Putting every loved one on a single medical policy is not only cheaper than buying individual plans, it is also far easier to manage renewals, claims, and network access. That is why searches for “health insurance plans for family”, “health insurance Dubai for family” and similar phrases have risen sharply across UAE SERPs in 2025. Below is a quick primer on how family cover works, what it costs, and why an online marketplace such as Insurancehub.ae makes the journey painless.
How family health insurance works
Single policy, multiple members –
One annual premium covers the principal insured + spouse + up to three or four children (most insurers allow optional top-ups for extra dependents or parents).
Shared Sum Insured –
All members draw from a common annual limit (e.g., AED 150,000 or AED 1 million). Some comprehensive plans also give a per-person sub-limit to avoid one large claim exhausting the pot.
Tiered hospital networks –
Basic Essential Benefits Plan (EBP) policies use a restricted network inside the emirate of residence, whereas mid-range and premium plans open nationwide or worldwide direct-billing facilities.
Mandatory yet flexible –
In Abu Dhabi the employer must cover dependents; in Dubai the sponsor is liable. Across the other five emirates, nationwide legislation taking effect 1 January 2025 extends minimum benefits to everyone, but lets households add outpatient, dental, vision or maternity riders at their own expense.
Typical inclusions
In-patient & day-patient treatment (room, surgery, ICU)
Emergency ambulance & ER stabilisation
GP / specialist consultations & diagnostics (with copay)
Prescription medicines (30 % copay capped)
Maternity (basic plans = AED 10k normal / AED 12k C-section)
New-born cover for first 30 days
Optional extras: dental, optical, chronic disease management, worldwide travel
Comparison table: popular family plan tiers (indicative)
| Plan Type
| Core Benefits
| Network
| Annual Limit
| Starting Premium*
|
|---|
| Essential Benefits Plan (EBP) Family
| In-patient, emergency, limited outpatient, maternity AED 10k/12k
| Restricted Dubai & Northern Emirates
| AED 150,000
| From AED 625 / adult, AED 475 / child
|
| Basic Family Plus
| EBP + full outpatient, broader medicine cap, dental check-up
| UAE-wide Tier C
| AED 250,000
| From AED 2,400 / family of 4
|
| Enhanced Silver
| Higher room class, specialist visits without referral, maternity AED 15k/17k, dental & optical riders
| UAE Tier B (2,000 + facilities)
| AED 500,000
| From AED 4,900 / family of 4
|
| Comprehensive Gold
| Worldwide elective cover, zero copay on network hospitals, wellness screenings
| UAE Tier A + GCC + emergency worldwide
| AED 1 million
| From AED 9,800 / family of 4
|
| Premium International
| Any hospital worldwide, direct-settlement, evacuation, mental health & fertility
| Global open network
| USD 2 million ≈ AED 7.3 m
| From AED 28,000 / family of 4
|
Each health insurers partners with several hospitals that allow for cashless claims. When choosing a health insurance service provider, it is discreet to know the strength of a cashless network hospital. As the network is more comprehensive, the safer a cashless claim is for you in a local hospital.
The ratio of claims for settlement
The premium of settlement ratio of health insurance in Ghantoot reflects the proportion of claims it has settled from the fiscal year's total claims. The higher the legal settlement ratio, the higher it is.
Support service to customers
Another essential consideration to consider when selecting a health insurance provider is customer support's availability and efficiency. It is always a good idea to select a company that offers 24-hour customer service so you can always answer your questions.
Volume of operations
The company's volume refers to the total premium policies sold by an insurance company and paid by them. Insurance providers selling more policies means that their market share is higher, and individuals can be trusted. Companies' volume can be seen as a parameter for assessing health insurance companies where higher amounts imply more confidence amongst consumers.
Conflict Resolution Phase
The choice of an insurance provider which ensures a seamless claim settlement process is critical. This is why nobody wants to participate in time-taking or complex procedures at the time of emergency. Therefore to save time and effort, it is suggested to come to an insurance provider with fewer claim formalities.
Job loss insurance uae is available through a number of different insurance providers, but it is important to Shop around and compare policies before choosing one.
Your Satisfaction Comes First for Us
Our team of professionals respects the need of every customer and stands firmly by their side until they obtain the satisfactory results. We also take care of every query related to health insurance with the same attention as we pay during the initial policy purchasing hours. we are a
cheapest health insurance in Abu dhabi
Don't waste your time anymore! Stay connected with us to serve you with the best health insurance policy at the best prices!
