Orient health Insurance
Finding a medical policy that balances wide hospital access, generous benefits and a sensible premium can feel daunting. Orient health Insurance has earned a solid reputation among UAE residents for doing just that, and in this article we break down everything you need to know before you hit the “buy” button. From basic plans aimed at visa compliance to premium packages that cover worldwide treatment, we unpack coverage tiers, pricing, and how to apply online in minutes through insurancehub.ae.
Why choose Orient in Dubai’s crowded health market?
- Part of Al-Futtaim Group, a top-rated regional conglomerate
- Rated "A" (Excellent) by AM Best for financial strength
- 3,000+ medical providers on the Emirates network, including Mediclinic, NMC and Aster Hospitals
- Flexible annual limits—from AED 150,000 basic cover to AED 5 million global benefits
According to the UAE Insurance Authority’s 2024 Market Report, Orient posted the lowest claim rejection ratio (1.8 %) among the ten biggest health insurers.
Orient health insurance basic plan: perfect for visa stamping
The orient health insurance basic plan - officially called Essential Benefits Plan (EBP)—meets Dubai Health Authority (DHA) minimum requirements for employees who earn less than AED 4,000 or first-time visa applicants.
Key features:
| Feature | EBP Limits |
|---|---|
| Annual limit | AED 150,000 |
| In-patient | 20 % coinsurance (capped at AED 500 per claim) |
| Out-patient | 20 % coinsurance (capped at AED 50 per visit) |
| Maternity | AED 7,000 normal / AED 10,000 C-section |
| Pharma | AED 1,500 per year |
Premiums start around AED 550 per adult—a pocket-friendly way to tick the legal box without sacrificing core protection.
Moving up: Orient health insurance packages for families & executives
If you need broader territorial coverage or higher sub-limits, Orient offers three flagship tiers:
- Silver
- Gold
- Diamond
| Benefit | Silver | Gold | Diamond |
|---|---|---|---|
| Annual limit | AED 500k | AED 1 mn | AED 5 mn global |
| Dental | Optional | Basic included | Comprehensive |
| Optical | – | Up to AED 1,000 | Up to AED 2,500 |
| Worldwide emergency | GCC only | Worldwide | Worldwide |
All tiers integrate the extensive orient health insurance Dubai hospital list, covering more than 40 inpatient facilities inside the emirate alone.
How to buy Orient health insurance online in 3 steps
- Visit insurancehub.ae and choose Health → Orient.
- Enter your Emirates ID, age and desired coverage level to get instant quotes.
- Pay securely with a UAE credit card. Your e-policy arrives by email within minutes and is auto-linked to your Emirates ID at DHA.
Because Insurancehub.ae is partnered with 50+ insurers, you can compare Orient against alternatives side-by-side before committing.
Cost factors that affect your Orient premium
- Age band (0–17, 18–40, 41–60, 60+)
- Pre-existing conditions (diabetes, hypertension, etc.)
- Add-ons such as dental, optical, worldwide elective treatment
- Network tier (Comprehensive vs Restricted)
Tip: Upload any previous claim history when you apply; transparent disclosure speeds approval and avoids loading.
Claiming made simple
Orient employs direct billing at network hospitals. Present your Emirates ID and the claim is settled behind the scenes. For out-of-network care, pay upfront and submit digital receipts via the My Orient mobile app - reimbursements average five business days.
Link to useful resources
- Compare wider corporate policies at Orient Group Medical Insurance
- Explore motor add-ons with Orient Insurance Dubai
Pros & cons at a glance
| Pros | Cons |
| Competitive prices for Essential tier | Coinsurance applies on outpatient visits |
| Strong UAE hospital network | Limited dental on lower packages |
| 24/7 multilingual call centre | Chronic condition waiting periods (6 months) |
| Fast e-card issuance through Insurancehub.ae | Premiums rise sharply after age 60 |
Orient Health Insurance offers comprehensive plans with lifetime renewability, a wide hospital network, and strong claim support—making it a reliable choice for your healthcare needs.
