Any known illness or treatment before taking insurance — like diabetes, BP, cholesterol, thyroid, etc. It must be declared in the application.
- Are dental and optical benefits included?
Dental and Optical (eye) benefits are not included in basic plans. They are available in higher plans or as add-ons with extra cost.
- Does Insurance cover maternity and newborn baby?
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)
- Does my plan cover emergency treatment?
Yes. Emergency treatment is covered in all DHA/DOH-approved plans — both inside and outside your network, anywhere in the UAE.
- Are chronic conditions like diabetes or hypertension covered?
Yes, but only after declaring them in your application.
- Can I use a Dubai plan in Abu Dhabi or other Emirates?
Not always. Some networks are emirate-specific. You should confirm if your plan covers UAE-wide hospitals before buying.
- Can I choose my preferred hospital or doctor?
Yes — depending on your network type.
- What if I want to cancel after payment?
Most companies allow cancellation with a pro-rated refund, but admin fees may apply.
- Do I need Insurance before visa stamping?
Yes — it’s mandatory for new visa stamping or renewal in Dubai and Abu Dhabi.
- How will I know my Insurance is activated?
You’ll receive:
Policy copy (PDF)
E-Card or Policy number (used for hospital visits and checkups)
- Does the plan cover international treatment?
Only premium or worldwide plans cover international treatment. Basic UAE plans cover within UAE only.
- What does “co-payment” mean?
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.