Budget Health Insurance

Different Types of Health Insurance

Health insurance is a must-have if you are residing in uae as it protects you from uncertain financial burdens and all other benefits attached to it.

There are basically 4 types of Health Insurance:

Individual Health Insurance

It’s a kind of health insurance that covers an individual from all the medical expenses which a policyholder incurs during an uncertain medical emergency.

Family Health Insurance

This is a kind of Health Insurance plan that covers your entire family from any uncertain Medical emergency expenses against the cover amount promised by the Insurance provider.

Group Health Insurance

This is a kind of Health Insurance that is generally provided by an organization for its employees.

Critical Health Insurance

This is a kind of Health Insurance that covers specific diseases that are life-threatening and is not covered under general health insurance

It requires the Policyholder to visit the Hospital quite often for regular and timely health checkups.

Plan Type	Core Benefits	Ideal For	Approx. Annual Premium*
Essential Benefits Plan (EBP)	In-patient up to AED 150k, emergency care, select GP visits, 30% pharmacy copay	Low-income workers < AED 4,000 salary, dependents	AED 650 – 725
Budget Plus	EBP + wider doctor network, maternity up to AED 10k, diagnostics	Young families seeking extra maternity support	AED 1,200 – 1,800
Catastrophic Health Insurance	High in-patient limit (AED 1m), emergency only; high deductible	Healthy adults 30–55, expats who need visa compliance	AED 900 – 1,400
Critical Illness Add-on	Lump-sum payout AED 100k–500k on listed illnesses	Breadwinners wanting income protection	+AED 350 – 800 (rider)
Daman Care Basic	EBP equivalent with large Daman network, digital claims	Abu Dhabi employees & dependents	AED 750 – 950

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