Finding the Right Maternity Insurance in the UAE
Maternity care costs in the UAE are significant, making comprehensive maternity insurance essential. This list of top maternity insurance providers in the UAE for 2025 simplifies your search for the right plan. Discover options from international providers like Cigna Global, Bupa Global, Aetna International, and Allianz Care, as well as local insurers such as Orient Insurance, Oman Insurance (Sukoon), and AXA Gulf. We'll help you find the best maternity insurance in the UAE to fit your needs and budget, covering everything from routine checkups to delivery and potential complications. Using comparison platforms like InsuranceHub.ae can streamline your search and potentially save you up to 40% on premiums.
1. Cigna Global Health Insurance
As you're aware, maternity cover is essential in the UAE, as pregnancy-related costs can be very high. Cigna Global Health Insurance earns its place on this list by offering comprehensive international health insurance plans that include maternity coverage as an optional module, specifically catering to the needs of expats and globally mobile individuals. This is particularly relevant for those residing in the UAE who may require coverage both locally and internationally. If you're an expat in the UAE, comparing health insurance plans, or simply planning for your family's future, Cigna Global is worth considering
- Normal Delivery: Some plans may have lower coverage limits for normal deliveries, so it's crucial to review policy details carefully.
- Complicated Delivery & C-section: Cigna offers comprehensive coverage, providing financial relief for high-cost procedures.
- Pre and Post-natal Care: Coverage includes essential support throughout pregnancy, from check-ups to post-birth consultations.
- Newborn Care: Your baby is covered for the first 90 days, ensuring vital early-stage medical protection.
- Access to a Global Network: Cigna provides access to an international hospital network—ideal for expats and frequent travelers.
- 24/7 Multilingual Customer Service: Round-the-clock support in multiple languages for complete peace of mind.
Pros:
- Global Coverage: Ideal for expats needing international protection.
- Flexible Plans: Customize your insurance based on budget and needs.
- Direct Billing: Available at many UAE hospitals—no need for upfront payments.
- Complicated Delivery Coverage: Financial security in case of delivery complications.
Cons:
- Higher Premiums: Cigna may be more expensive than local options.
- Waiting Period: 12-month wait before maternity benefits can be used.
- Lower Limits for Normal Delivery: Check coverage caps in the fine print.
Also Read:
Learn more about Cigna Global Health Insurance
While pricing information isn't readily available and requires a personalized quote, understanding the pros and cons of Cigna Global can help you decide if its comprehensive nature and global reach outweigh the higher premiums and waiting period. For those prioritizing international coverage and comprehensive care, Cigna Global stands as a solid option for maternity insurance in the UAE. Remember to compare quotes and coverage options from multiple insurers before making a decision. You can also explore other options listed in this article if the waiting period or cost is a major concern.
Also Read:
Visit the Cigna Global website for more information:
2. Bupa Global
As you're aware, maternity cover is essential in the UAE, as pregnancy-related costs can be very high. Bupa Global offers a premium solution for expectant parents seeking comprehensive international health insurance that includes maternity benefits within the UAE. This makes it a strong contender for those prioritizing high-quality care and extensive coverage, especially expats. Its inclusion in this list is warranted by its comprehensive coverage, extensive network, and direct billing arrangements with leading hospitals, although the premium price point is a significant factor to consider.
Bupa Global's maternity benefits are generally incorporated into their more comprehensive international health insurance plans. These plans are designed to cover both routine pregnancies and those with complications, providing financial peace of mind during this important time.
Features:
- Comprehensive antenatal and postnatal care: Regular checkups, tests, and consultations are typically covered.
- Coverage for normal, complicated delivery, and C-sections: Ensures financial protection for any delivery type.
- Home nursing after delivery: Professional postpartum care to support new parents.
- Newborn care and complications coverage: Protects your baby from day one with essential neonatal coverage.
- No co-insurance for in-network services: Reduced out-of-pocket costs when using Bupa Global’s network.
Pros:
- High annual maternity coverage limits: Strong financial protection for maternity-related expenses.
- Access to premium healthcare facilities: Network includes top hospitals and clinics across the UAE.
- Coverage for congenital conditions: Important for newborns requiring specialized treatment.
- Direct settlement at top hospitals: No need for upfront payments or lengthy claim processes.
Cons:
- Premium pricing: Among the more expensive options—best to compare with other providers.
- 10-month waiting period: Plan ahead if you’re considering pregnancy in the near future.
- May require health declarations: Could affect premium and eligibility based on medical history.
Implementation/Setup Tips:
- Start research early: Consider the waiting period and prepare well in advance.
- Contact Bupa Global directly: Discuss your needs and request a personalized quote.
- Review policy documents thoroughly: Understand limits, exclusions, and special terms for maternity care.
3. Aetna International
As you are aware, maternity cover is essential in the UAE as pregnancy-related costs are very high. Aetna International earns its place on this list by offering specialized health insurance plans with maternity coverage tailored for UAE residents. These plans provide comprehensive maternity benefits, albeit with varying options depending on your chosen coverage level. This is particularly crucial for expats in the UAE, UAE residents comparing health insurance plans, and individuals planning to start or expand their families. Aetna's Pioneer plans, for example, include different tiers of maternity coverage with options for both outpatient and inpatient care related to pregnancy and childbirth, catering to diverse needs and budgets.
Aetna International understands the financial implications of childbirth in the UAE and aims to alleviate some of the burden with their comprehensive coverage. Their plans typically include:
Features:
- Pre and postnatal care: Includes essential checkups, ultrasounds, and screenings throughout pregnancy.
- Coverage for both natural delivery and C-sections: Offers flexibility and peace of mind regardless of the delivery method.
- Newborn coverage from birth: Ensures immediate access to necessary care from the moment your baby is born.
- Complications of pregnancy coverage: Covers unexpected issues that may arise during pregnancy.
- Access to Aetna’s UAE hospital network: Wide access to reputable healthcare facilities across the country.
- Medical evacuation coverage: Critical for emergencies, especially for those considering international coverage.
Pros:
- Flexible plans: Aetna offers options to suit different coverage needs and budgets.
- Strong direct billing network in UAE: Reduces out-of-pocket expenses and simplifies the billing process.
- Digital tools: Easy online access to manage claims and healthcare services.
Cons:
- 10-month waiting period: Requires early planning before starting a family.
- Premium increases at renewal: Renewal costs may rise significantly—factor this into your long-term budget.
- Coverage caps on normal delivery: Some plans limit coverage amounts—review and compare carefully.
While Aetna offers competitive maternity coverage, it's advisable to compare their plans with other insurers in the UAE to find the best fit for your specific requirements and budget. Consider factors like coverage limits, waiting periods, and the network of hospitals included. For example, small business owners arranging group and corporate medical insurance will need to consider different factors compared to individuals. Getting maternity insurance in the UAE requires careful consideration and planning, especially given the high cost of healthcare. By understanding your needs and researching different options, you can choose the best maternity insurance plan for your growing family.
Allianz Care: Comprehensive International Maternity Insurance in the UAE
As you're aware, maternity cover is essential in the UAE due to the high cost of pregnancy-related care. Allianz Care offers a robust solution, particularly for expats seeking comprehensive international health insurance with maternity benefits. Their plans cater to individuals and families residing in the UAE, providing a safety net against those significant expenses. This makes it a worthy contender on our list, especially for those prioritizing high coverage levels and access to top-tier medical facilities.
Allianz Care's maternity coverage isn't a standard feature across all plans. It's typically included in their higher-tier options or available as an optional add-on module. This modular approach allows for some flexibility, but it’s crucial to carefully review the specifics of each plan before making a decision. Be sure to confirm whether maternity benefits are included and understand any associated costs.
This international health insurance provides comprehensive coverage throughout the journey of pregnancy, childbirth, and newborn care. Here’s a closer look at what you can expect:
Routine Maternity Coverage
- Routine Maternity Care: Covers essential prenatal check-ups, ensuring regular monitoring of your pregnancy.
- Delivery Coverage: Covers both normal delivery and C-section procedures.
- Complications Coverage: Offers financial protection against unforeseen complications during pregnancy and childbirth.
- Newborn Care: Includes routine newborn examinations to monitor your baby’s health from birth.
- Home Delivery Options: Certain plans may offer coverage for home deliveries with qualified midwives. Confirm availability with Allianz Care.
Pros
- Comprehensive Coverage and High Annual Limits: Provides financial peace of mind with broad coverage.
- Access to Premium Healthcare Facilities: Access to private hospitals across the UAE.
- Digital Tools: User-friendly apps for claims, provider search, and policy management.
- No Co-pay Options: Some plans include no co-pay for maternity services. Confirm with Allianz directly.
Cons
- Waiting Period: 10-month waiting period before maternity benefits are usable. Plan early if you're considering pregnancy.
- Premium Costs: Plans tend to be costlier than local providers. Weigh cost against benefits carefully.
- Potential Co-insurance: Out-of-network care might incur additional costs. Stick to the provider network when possible.
Implementation/Setup Tips
- Contact Allianz Care Directly: Get customized advice and accurate quotes from their team.
- Compare Plans Thoroughly: Evaluate various tiers and add-ons to ensure you’re choosing the best fit.
- Understand the Waiting Period: Plan coverage timing carefully based on pregnancy plans.
Choosing the right maternity insurance in the UAE requires careful consideration. Allianz Care's international plans offer comprehensive benefits and access to quality healthcare. However, the waiting period and premium costs should be factored into your decision. Weighing the pros and cons alongside your personal circumstances and budget will help you determine if Allianz Care is the right choice for your maternity insurance needs in the UAE.
5. Orient Insurance
As you're likely aware, maternity cover is essential in the UAE due to the high cost of pregnancy-related care. If you're looking for a more budget-friendly option for maternity insurance in the UAE, Orient Insurance deserves a spot on your research list. It's one of the leading local insurance providers offering comprehensive health insurance plans that include maternity coverage, making it a practical choice for many UAE residents. Their plans adhere to both Dubai Health Authority (DHA) and Health Authority Abu Dhabi (HAAD) regulations, providing an extra layer of reassurance.
Orient Insurance offers various maternity plans catering to different needs and budgets. These plans cover various stages, including prenatal care, delivery (both normal and complicated), and essential postnatal treatments. Specifically, you can expect coverage for:
Maternity Insurance Highlights
- Antenatal consultations and tests: Regular check-ups and essential diagnostic tests throughout your pregnancy journey.
- Normal and complicated delivery: Coverage for both standard vaginal deliveries and more complex cases requiring specialized medical care.
- Emergency C-section: Financial protection for medically necessary caesarean sections.
- Newborn coverage: Most plans include coverage for your newborn during the first 30 days after birth.
- Extensive network: Access to a wide network of hospitals and clinics across the UAE, ensuring flexibility and trusted care providers.
One of the main advantages of choosing Orient Insurance for your maternity insurance in the UAE is the affordability factor. Their premiums are often more competitive compared to international insurance providers. This is a significant benefit for expats and UAE residents looking to manage their healthcare costs effectively. They also possess a strong understanding of the local regulations and healthcare systems, simplifying the process and reducing potential complications. You can learn more about Orient Insurance on InsuranceHub.ae.
However, it's important to be aware of the potential drawbacks. Orient Insurance typically imposes a waiting period of 6-8 months before you can utilize the maternity benefits. This means you'll need to plan and secure your coverage well in advance of trying to conceive. Additionally, coverage limits may be lower compared to international plans, and coverage outside the UAE is generally limited or non-existent. This is something to consider if you plan to give birth outside the country or require highly specialized treatments that might exceed the coverage limits.
Pros:- More affordable premiums compared to international insurers.
- Strong understanding of local regulations and healthcare systems.
- Wide network of providers across the UAE.
- Plans designed specifically for UAE residents.
Cons:- Typically has a 6-8 month waiting period.
- Coverage limits may be lower than international plans.
- Limited or no international coverage outside the UAE.
6. Oman Insurance Company (Sukoon)
Finding the right maternity insurance in the UAE is crucial, especially given the high costs associated with pregnancy and childbirth in the region. Oman Insurance Company, now rebranded as Sukoon, offers a range of health insurance plans that cater specifically to this need, making it a worthwhile option to consider. Their maternity benefits provide coverage for prenatal care, delivery (both normal and C-section), and essential postnatal treatments. Importantly, Sukoon offers different tiers of coverage, allowing expectant parents to select a plan that aligns with their budget and required level of care. This flexibility is particularly valuable in a market where costs can vary significantly. Furthermore, compliance with both DHA (Dubai Health Authority) and HAAD (Health Authority of Abu Dhabi) regulations ensures that Sukoon's plans are suitable for residents across the UAE, making it a practical choice for expats and locals alike.
As mentioned, maternity cover is essential in the UAE due to the substantial costs of pregnancy-related services. Sukoon recognizes this and aims to provide accessible options. Their plans include features such as prenatal consultations, diagnostic tests, delivery coverage, postnatal care, coverage for pregnancy complications, and even newborn coverage from birth. This comprehensive approach ensures that expectant parents are financially protected throughout their journey.
However, it's crucial to be aware of the 8-month waiting period for maternity benefits. This means you need to plan and secure your insurance well in advance of expecting a child. Some plans also carry significant co-insurance requirements, meaning you'll share a percentage of the costs. Additionally, basic plans may offer limited coverage for specialized prenatal services, so carefully review the details of each tier to ensure it meets your specific needs. If you require specialized care, explore the higher-tier plans to understand the extent of coverage offered.
Pros:- Competitive pricing tailored to the UAE market
- Extensive network of healthcare providers
- Flexible plan options to suit various budget levels
- Easy claims process for in-network services
Cons:- 8-month waiting period for maternity benefits
- Potential co-insurance costs depending on the plan
- Limited coverage for specialized prenatal services on basic plans
7. AXA Insurance Gulf
As you're likely aware, maternity cover is essential in the UAE. Pregnancy-related costs can be very high, making comprehensive insurance a vital part of family planning. AXA Insurance Gulf earns its place on this list by offering a range of maternity insurance plans designed to address those costs, albeit with some important caveats to consider. They provide several tiers of coverage, allowing expectant parents to choose a plan that aligns with their needs and budget, which is especially valuable in a market like the UAE where healthcare costs can vary significantly.
AXA's maternity insurance in the UAE covers a wide spectrum of services related to pregnancy and childbirth. This includes:
Antenatal Care: Regular checkups, consultations with obstetricians/gynecologists, and essential ultrasounds are covered under their plans. This is crucial for monitoring the health of both mother and baby throughout the pregnancy.
Delivery Costs: AXA covers both normal deliveries and C-sections, providing financial support for one of the most significant expenses associated with childbirth.
Postnatal Care: After delivery, the mother requires ongoing care and follow-up appointments, which are also included in AXA's maternity benefits. This helps ensure a smooth recovery and addresses any postnatal complications.
Pregnancy Complications: Should any complications arise during pregnancy, AXA's coverage extends to the necessary medical treatments, offering much-needed peace of mind.
Newborn Coverage: Some AXA plans even extend coverage to the newborn, including essential vaccinations. This is a significant advantage, helping to manage the initial healthcare costs associated with a new baby.
While AXA offers a variety of benefits, it's important to be aware of the potential drawbacks:
Waiting Period: AXA imposes a six-month waiting period for maternity benefits. This means you need to have the policy in place for at least six months before you can claim for maternity-related expenses. For those planning a pregnancy, this necessitates securing insurance well in advance.
Coverage Limits: Some AXA plans have relatively low coverage limits, meaning you might have to pay out-of-pocket expenses if your medical bills exceed the predetermined limit. Carefully review the specifics of each plan to understand these limitations.
Co-payments: Certain services may require co-payments, where you are responsible for a percentage of the cost. This can add up, so factor this into your budget considerations.
For expats in the UAE, UAE residents comparing health insurance plans, and individuals planning life insurance to protect their families, exploring AXA's options is worth considering, but a thorough comparison with other providers is essential. Be sure to carefully examine the policy details, coverage limits, and the waiting period before making a decision.
