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Different Types of Health Insurance

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

There are basically 4 types of Health Insurance in Dubai:

01

Individual Health Insurance

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

02

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.

03

Group Health Insurance

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

04

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.

Maternity Health Insurance


Finding the right afforable maternity health insurance in the UAE is essential for growing families who want peace of mind before, during, and after pregnancy. Hospital bills for prenatal check-ups, scans, delivery, and newborn care can easily exceed AED 25,000 for a normal birth and AED 45,000 for a C-section in private facilities. A comprehensive maternity plan shields you from these unexpected costs while ensuring you and your baby receive world-class care.


Why Maternity Cover Matters


  • Rising costs: Private hospitals in Dubai, Abu Dhabi, and Sharjah revise tariffs every year.

  • Mandatory rules: Dubai Health Authority requires employers to provide a minimum level of maternity benefits, but many basic plans have low sub-limits (often AED 7,000 for normal delivery).

  • Network access: Premium maternity health insurance unlocks top hospitals such as Mediclinic City Hospital, Corniche Hospital, and Latifa Women and Children Hospital.

  • Newborn security: Many insurers automatically extend cover to the newborn for 30 days, buying you valuable time to arrange a separate policy.

    • Core Benefits to Look For


    Benefit What It Means Typical Upper Limit
    Prenatal consultations GP and specialist visits, scans, lab tests Full cover or capped at AED 10,000
    Delivery (normal/C-section) Obstetrician fees, anaesthesia, room charges AED 10,000–25,000
    Medically required C-section Higher cap than normal delivery Up to AED 25,000
    Postnatal care Follow-up visits, lactation consultation AED 1,500–3,000
    Newborn cover NICU, vaccinations in first 30 days Up to overall plan limit

    Waiting Periods and Eligibility


    Most enhanced plans impose a 6 to 12-month waiting period. Couples planning a family should therefore buy maternity health insurance well before conception. Some insurers waive the wait if both spouses have been continuously insured; others require proof of marriage certificates issued at least 10 months earlier.


    How InsuranceHub.ae Simplifies Your Search


    InsuranceHub.ae partners with 50+ insurers, including Sukoon, Cigna, and Orient. Our three-step process—enter details, compare quotes, purchase online—lets you secure maternity cover in minutes. Expert advisors can also explain factors such as:


  • Direct billing vs reimbursement for ultrasounds

  • Hospital network tiers (A, B, C)

  • Upgrades to worldwide maternity coverage

  • Options to top up employer policies

    • What our customer says

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    Anas Maqbool "Great service from team Insurancehub. They were very helpful and promptly updated my documents without any hassle. The teams very helpful and replying patiently to all my queries with atmost professionalism. Kind regards, Anas Maqbool."

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