Any known illness or treatment before taking insurance — like diabetes, BP, cholesterol, thyroid, etc. It must be declared in the application.

Dental and Optical (eye) benefits are not included in basic plans. They are available in higher plans or as add-ons with extra cost.

Yes — in maternity-included plans, it covers:
Antenatal (check-ups & scans)
Delivery (normal or C-section)
Postnatal care
Newborn baby up to 30 days (depending on the plan)

Yes. Emergency treatment is covered in all DHA/DOH-approved plans — both inside and outside your network, anywhere in the UAE.

Yes, but only after declaring them in your application.

Not always.
Some networks are emirate-specific.
You should confirm if your plan covers UAE-wide hospitals before buying.

Yes — depending on your network type.

Most companies allow cancellation with a pro-rated refund, but admin fees may apply.

Yes — it’s mandatory for new visa stamping or renewal in Dubai and Abu Dhabi.

You’ll receive:
Policy copy (PDF)
E-Card or Policy number (used for hospital visits and checkups)

Only premium or worldwide plans cover international treatment. Basic UAE plans cover within UAE only.

It’s the small percentage you pay during treatment —
for example, 20% of medicines or 10% of consultation fees.
The rest is paid by the insurance company.