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Health insurance is a medical policy that covers the cost of medical expenses such as doctor visits, hospitalization, surgeries, medicines, and diagnostic tests. It helps protect you from high medical costs in case of illness or accidents.
Health insurance ensures:
Affordable access to healthcare
Coverage for unexpected medical emergencies
Protection against high hospital bills
Peace of mind for you and your family
In the UAE, health insurance is mandatory for residents in most emirates.
At InsurancePolicy.ae, we offer a variety of plans including:
Individual Health Insurance – Coverage for a single person
Family Health Insurance – Coverage for you and your dependents
Corporate / Group Health Insurance – Coverage for employees
Takaful (Shariah-Compliant) Health Insurance Plans - Suitable for customers seeking Shariah-compliant coverage
Travel Health Insurance – Short-term coverage for travelers for Medical emergencies or medical evacuations.
Coverage may include:
Inpatient hospitalization
Outpatient consultation
Surgery and operation costs
Medicines and pharmacy bills
Diagnostic tests (lab and imaging)
Maternity and newborn care (optional/add-on)
Emergency medical evacuation
Always check your policy wording for exclusions.
UAE residents, including expatriates
Children and dependents of insured individuals
Employees under company/group plans
Minimum and maximum age limits may apply, depending on the insurer
Cashless – You pay nothing at the network hospital; the insurer settles the bill directly
Reimbursement – You pay the hospital first, then submit the bills to the insurer for reimbursement
Pre-Existing Condition is a coverage limitation included in a medical insurance policy which states that certain physical or mental conditions, either previously diagnosed or which would normally be expected to require treatment prior to issue, will not be covered under the new policy for a specified period of time. Individual Medical Policies and Group Medical Policies of limited size are normally subject to this Condition.
Pre-existing & Chronic Conditions are subject to declaration of the same on Medical Application Form (MAF).
All pre-existing medical conditions should be declared in the medical application form and is covered without waiting period subject to medical underwriting, policy terms, conditions, benefits, and exclusions.
Undeclared pre-existing conditions will not be covered during the policy period and are normally underwritten at renewal subject to policy terms, conditions, benefits, and exclusions.
Some of the documents which you will need to submit when filing for your medical claim reimbursement include:
Duly filled out claim form of the concerned insurance company / TPA, signed and stamped by the treating doctor with beneficiary signature.
All official itemized invoices with the service details.
Payment proof such as official receipts, paid stamps, card payment slips, etc.
Prescription from the treating doctor for all the medications availed and for optical items.
All the diagnostic reports including but not limited to Laboratory and Radiology reports.
A health insurance policy must be ideally renewed before the policy expiry date. Most insurers also provide a grace period after the policy expiry date for renewal of health insurance. If a policy holder fails to renew the health insurance, there might be consequences as follows:
Loss of coverage
Waiting periods will be applied
Costs may get higher
Group health insurance is a policy purchased by an employer or organization to cover the medical expenses of their employees and, in some cases, their dependents. It helps employees access healthcare without paying large out-of-pocket expenses.
Attract and retain talent – Health benefits are a key part of employee satisfaction
Financial protection – Employees are covered for medical emergencies
Regulatory compliance – Some UAE emirates mandate health coverage for employees
Cost-effective – Group policies are often cheaper per person than individual plans
Employees of the company purchasing the policy
Dependents (spouse, children, sometimes parents) if included in the plan
Coverage eligibility depends on the employer’s policy terms
Coverage may include:
Inpatient hospitalization
Outpatient consultation and treatment
Surgery and emergency care
Medicines and pharmacy bills
Diagnostic tests (lab and imaging)
Maternity and newborn care (if included)
Optional add-ons like dental and optical care
Many group plans cover pre-existing conditions after a waiting period, typically 6–12 months. Coverage may vary based on plan type and insurer.
We assist with:
Comparing group health insurance plans from multiple providers
Selecting a plan based on employee demographics and budget
Setting up coverage for employees and dependents
Managing claims efficiently
Ensuring compliance with UAE health insurance regulations
Coverage depends on the employer’s policy. Some plans allow coverage for part-time or contract employees, but it is not mandatory under all UAE regulations.
Car insurance (motor insurance) is a protection plan that covers damages or losses to your vehicle and third-party property, and protects you against legal liabilities in case of accidents.
Car insurance is mandatory in the UAE. It ensures:
Protection against accident-related financial losses
Coverage for damage to your car or other vehicles
Third-party liability coverage
Peace of mind while driving
Driving without valid insurance can result in fines, penalties, and vehicle impoundment.
Comprehensive Insurance – Covers your car and third-party damages, including accidents, theft, fire, and natural disasters.
Third-Party Liability Insurance – Covers damages to other people’s property or injury to third parties, but not your own car.
Third-Party Fire & Theft – Covers third-party damages plus fire or theft of your car.
Accidental damage to your car
Theft or total loss
Fire or natural disasters
Third-party property damage
Personal accident cover for driver and passengers
Optional add-ons like roadside assistance, agency repairs, and replacement car
Premiums depend on:
Car make, model, and age
Driver’s age and driving experience
Driving history and no-claims bonus
Coverage type and sum insured
Optional add-ons chosen
A no-claims discount rewards drivers who do not make claims during a policy year. NCD reduces your premium in subsequent renewals, sometimes up to 50%.
Yes. Common exclusions include:
Damage while driving under the influence of alcohol or drugs
Using the car for illegal activities
Normal wear and tear
Racing or off-road use
Always check your policy wording for detailed exclusions
Business Insurance is a risk management tool for businesses that helps cover losses or expenses caused by unexpected events such as accidents, illness, theft, or damage.
Business insurance helps protect you financially from losses due to accidents, theft, property damage, illness, travel issues, and other unforeseen events. Without insurance, you would have to cover all expenses out of pocket.
At InsurancePolicy.ae, we provide a variety of business insurance plans, including but not limited to:
Motor / Fleet Insurance
Liability Insurance
Property Insurance
Travel Insurance
& Many more
Erection All Risk (EAR) Insurance is a specialized insurance policy that covers construction, installation, and assembly of machinery, equipment, and steel structures. It protects against:
Physical loss or damage during erection, installation, or testing.
Material and equipment damage on-site.
Third-party property damage (optional, via liability coverage).
Accidents during handling, transportation, or commissioning.
Public Liability Insurance protects your business if a third party suffers injury or property damage due to your business activities. Key points:
Covers legal costs and compensation claims.
Protects against accidents at your premises or caused by your operations.
Optional coverage can include product liability.
Essential for businesses interacting with the public in the UAE.
It gives financial security and peace of mind when unexpected incidents occur involving clients, visitors, or the general public.
Business insurance policies typically run for a 12-month period (with some UAE policies valid for 13 months to align with RTA vehicle registration). You pay a premium up-front, and in return, the insurer covers eligible losses up to the policy’s limits if an insured event occurs during the policy period.
Premiums vary based on factors such as:
The type of insurance and level of coverage
Value of the insured asset (e.g., vehicle or property)
Age and experience of the insured
Past claims history
Add-ons or optional benefits chosen
(For motor insurance specifically, factors like car model, age, and driving record affect premiums.)
To make a claim:
Inform the claim desk at InsurancePolicy.ae.
Provide necessary documents (e.g., police reports, medical bills, photos).
Follow your insurer’s claim process for assessment and settlement.
Detailed steps vary by insurance type — contact us for more details.
If you cancel a policy before expiry and haven’t made a claim, you may be eligible for a refund on the unused premium, depending on the type of policy and how long it has been active. Any refunds are processed per the terms of the policy and insurer’s rules. (Your Car Insurance FAQ shows how cancellation works for a specific line.)
Life insurance is a financial protection plan that provides a lump-sum payout (called the sum assured) to your nominated beneficiaries in the event of your death during the policy term. Some life insurance plans also offer savings or investment benefits.
Critical illness cover is a living benefit that provides a lump-sum payout upon diagnosis of a specified serious medical condition, such as cancer, heart attack, or stroke. You are covered for 36-38 illnesses under various plans available. It is essential for protecting your financial well-being, helping cover medical costs, ongoing expenses, and financial commitments when you are unable to work due to a major illness.
Permanent & total disability cover provides a lump sum if you are rendered completely and permanently unable to work due to an accident or serious illness. This cover is crucial for safeguarding your financial future, as it helps manage ongoing living expenses, repay debts, maintain your family’s lifestyle, and fund long-term financial obligations, ensuring stability even when you can no longer earn an income.
Life insurance helps secure your family’s financial future by covering expenses such as:
Daily living costs
Outstanding loans or mortgages
Children’s education
Medical or funeral expenses
It ensures your loved ones remain financially protected even in your absence.
At InsurancePolicy.ae, we help you compare and choose from:
Term Life Insurance – Pure protection for a fixed period
Whole Life Insurance – Lifetime coverage with savings benefits
Endowment Plans – Protection plus guaranteed maturity benefits
ULIPs / Investment-Linked Plans – Insurance combined with investment
Critical Illness Riders – Additional protection against major illnesses
Term life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years). If the insured passes away during the term, the nominee receives the payout. It is the most affordable form of life insurance.
The ideal coverage depends on:
Your income
Family size and dependents
Outstanding loans or liabilities
Future goals (education, marriage, retirement)
A common guideline is 10–15 times your annual income, but our advisors can help calculate the right amount for you.
Life insurance is available to:
UAE residents (including expatriates)
Salaried and self-employed individuals
Individuals within the insurer’s eligible age range
Valid residency and income proof may be required.
In many cases, yes. Medical tests help insurers assess health risks. However, some policies may offer no-medical or simplified underwriting for lower coverage amounts or younger applicants.
If you miss premium payments, your policy may lapse and coverage will end. Some insurers offer a grace period or policy reinstatement option if action is taken within a certain time.
Most life insurance policies include accidental death coverage by default. Some insurers also offer enhanced benefits through an accidental death rider, which provides an additional payout.
Yes, most life insurance policies in the UAE provide worldwide coverage, but it's essential to confirm the scope and exclusions in your policy documents.
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