Medical Insurance for Children in the UAE – Cost, Plans & Best Coverage

Medical insurance for children in the UAE is not just important — in many cases, it is mandatory. From routine check-ups to vaccinations and emergency care, having the right health insurance ensures your child receives quality medical treatment without financial stress.

At InsurancePolicy.ae, we help parents understand the cost, coverage options, and best medical insurance plans for children in the UAE.

Is Medical Insurance Mandatory for Children in the UAE?

Yes. Health insurance regulations in the UAE require children to have valid medical insurance, especially in emirates such as:

• Dubai – Mandatory under DHA regulations

• Abu Dhabi – Mandatory under Daman / DoH regulations

In most cases:

• A child’s insurance is linked to the sponsor or parent’s visa

• Newborns must be insured within a specific timeframe after birth

Failure to insure a child may result in visa delays or fines, depending on the emirate.

Why Medical Insurance for Children Is Important

Children require frequent medical attention, especially in early years. Health insurance helps cover:

• Paediatric consultations

• Vaccinations and immunisations

• Emergency hospitalisation

• Diagnostic tests

• Specialist treatments

Without insurance, medical costs in the UAE can rise quickly — even for routine care.

What Does Children’s Medical Insurance Cover?

Coverage depends on the plan type, but most comprehensive policies include:

1. Paediatric Consultations

• GP and paediatrician visits

• Specialist referrals when medically required

2. Vaccinations

Many plans cover DHA-recommended vaccinations, either fully or partially.

3. Hospitalisation & Emergency Care

• Inpatient treatment

• Emergency room visits

• Surgeries and medical procedures

4. Diagnostic Tests

• Blood tests

• X-rays, ultrasounds, and scans

• Lab investigations

5. Prescription Medicines

Coverage for doctor-prescribed medications, subject to limits and co-payments.

What Is Usually Not Covered?

Most child medical insurance plans exclude:

• Cosmetic or elective treatments

• Non-medical supplements

• Experimental treatments

• Services without medical necessity

Always check exclusions before choosing a policy.

Cost of Medical Insurance for Children in the UAE

The cost of medical insurance for children varies based on:

• Age of the child

• Coverage limits

• Network hospitals and clinics

• Insurance provider

• Emirate of residence

Average Cost Range

• Basic plans: AED 800 – AED 1,500 per year

• Mid-range plans: AED 1,500 – AED 3,500 per year

• Comprehensive plans: AED 3,500+ per year

Newborn insurance costs may differ, especially if maternity benefits are involved.

Best Medical Insurance Plans for Children

When choosing a plan, look for:
Wide hospital and clinic network
Paediatricians and children’s hospitals included
Vaccination coverage
Low co-payments
Emergency coverage across the UAE

Some insurers offer family or bundled plans, which can be more cost-effective than individual child policies.

Medical Insurance for Newborns in the UAE

Newborns must usually be insured within 30 days of birth (timeframe may vary by insurer).

Key Points for Newborn Coverage

• Coverage can start from the date of birth

• Birth certificate and passport copy are required

• Some insurers allow automatic inclusion under the mother’s policy

Delays can result in limited coverage or higher premiums.

How to Choose the Right Medical Insurance for Your Child

Before buying a policy:

• Review coverage limits and exclusions

• Check hospital network suitability

• Confirm vaccination benefits

• Understand co-payments and deductibles

• Ensure compliance with DHA or DoH regulations

How InsurancePolicy.ae Can Help

At InsurancePolicy.ae, we:

• Compare child medical insurance plans across UAE insurers

• Explain benefits in simple terms

• Help parents choose compliant plans

• Assist with newborn insurance and approvals