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Compare our international health insurance plans for businesses in Dubai

If you’re reading this, you’ve probably decided that you need international health insurance for your employees in the UAE. Now starts the tricky part: picking the right health plan for them. We’ve put together a comparison table so you can see the different levels of cover your employees have under each plan.

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Just to let you know—you won’t find complete information for the plans in this comparison table, nor the full T&Cs, limitations, and exclusions that would apply if you purchase one. You can find these in the plan agreements, which we suggest you read alongside this table. All the benefits in this table are per member per period of cover, unless we state otherwise. We’ve stated the benefit limits in US dollars, though plans are also available in dirhams. Some of the benefits below are optional, and you can add them to your plan when you submit your application. Final thing—this table is for our health plans for businesses. The personal health plans are slightly different, so if you’re looking for cover for you and your family, head over to the comparison table for the personal health plans.

Bronze SilverLite Silver Gold
Annual benefit limit US$1,500,000 US$1,500,000 US$2,500,000 US$5,000,000
Hospital costs
Hospital accommodation Semi-private room (option to upgrade to cover for a private room) Semi-private room (option to upgrade to cover for a private room) Private room Private room
Hospital treatment Full cover Full cover Full cover Full cover
Parent accommodation Full cover Full cover Full cover Full cover
Road ambulance Full cover US$1,600 Full cover Full cover
Hospital cash benefit US$150 per night US$200 per night US$200 per night US$350 per night
Cancer treatment
Cancer treatment Full cover Full cover Full cover Full cover
Cancer genome testing US$6,000 US$6,000 US$6,000 US$6,000
Cancer benefit upon diagnosis of cancer (6-month waiting period) No cover No cover No cover US$5,000 (lifetime limit of one claim)
Wigs Lifetime limit of US$150 Lifetime limit of US$150 Lifetime limit of US$150 Lifetime limit of US$250
Counselling Lifetime limit of US$500 Lifetime limit of US$500 Lifetime limit of US$500 Lifetime limit of US$750
Dietitian Lifetime limit of US$100 Lifetime limit of US$100 Lifetime limit of US$100 Lifetime limit of US$250
Organ, bone marrow or tissue transplants
Transplant and related treatment Full cover Full cover Full cover Full cover
Donor costs US$25,000 per transplant US$25,000 per transplant US$25,000 per transplant US$25,000 per transplant
Kidney dialysis
- Full cover Full cover Full cover Full cover
Reconstructive surgery
- In-patient, day-patient & post-hospital treatment only Full cover Full cover Full cover
Congenital conditions or hereditary conditions
- Lifetime limit of US$20,000 (in-patient, day-patient & post-hospital treatment only) Lifetime limit of US$20,000 Lifetime limit of US$40,000 Lifetime limit of US$80,000
Mental health treatment
Lifetime limit for mental health treatment US$50,000 n/a US$75,000 US$100,000
In-patient & day-patient treatment (12-month waiting period) 30 days No cover 30 days 30 days
Out-patient mental health treatment (12-month waiting period) 10 consultations (in-patient, day-patient & post-hospital treatment only) No cover 10 consultations 10 consultations
HIV/AIDS treatment
(24-month waiting period) US$5,000 (in-patient & day-patient treatment only) US$5,000 US$75,000 US$100,000
Medical appliances
Medical aids US$250 per medical condition No cover US$500 per medical condition US$1,000 per medical condition
Prosthetic implants Full cover Full cover Full cover Full cover
Prosthetic devices US$500 per device US$1,000 per device US$1,000 per device US$1,500 per device
Out-patient treatment
Annual limit for out-patient treatment No limit US$5,000 (option to extend up to US$10,000) No limit No limit
Primary medical care (e.g., doctor visits, specialist consultations, prescribed drugs) Post-hospital treatment only US$1,500 (option to extend up to US$3,500) Full cover Full cover
Emergency ward treatment Treatment for accidents only Up to the annual limit for out-patient treatment Full cover Full cover
Out-patient surgical procedures Full cover Up to the annual limit for out-patient treatment Full cover Full cover
Advanced diagnostic tests Full cover Up to the annual limit for out-patient treatment Full cover Full cover
Complementary treatments 10 sessions (post-hospital only) No cover 10 sessions 15 sessions
Hormone replacement therapy No cover No cover Up to 12 months from date of diagnosis Up to 18 months from date of diagnosis
Traditional Chinese medicine No cover No cover US$50 per session (max. 15 sessions) US$50 per session (max. 20 sessions)
Physiotherapy US$1,000 (post-hospital treatment only)) US$250 (up to the annual limit for out-patient treatment) Full cover Full cover
Chronic conditions
Acute flare-ups In-patient, day-patient & post-hospital treatment only In-patient & day-patient treatment, with out-patient treatment covered up to the benefit limit for primary medical care Full cover Full cover
Monitoring & maintenance No cover Up to the benefit limit for primary care Full cover Full cover
Well-being benefits
Preventive health & well-being (6-month waiting period) No cover No cover US$300 (option to extend to US$500) US$750 (option to extend to US$1,300)
Vaccinations for adults No cover No cover US$150 US$250
Well-child benefit (6-month waiting period) No cover No cover US$200 US$400
Rehabilitation treatment
Rehabilitation treatment you receive as an in-patient 7 days per medical condition 7 days per medical condition 15 days per medical condition 30 days per medical condition
Home nursing costs
Medical services of a qualified nurse in your own home 12 weeks per medical condition 2 weeks per medical condition 12 weeks per medical condition 12 weeks per medical condition
Lifetime care
Lifetime limit for all lifetime care US$25,000 US$50,000 US$50,000 US$100,000
Hospice & palliative care Up to the lifetime limit for lifetime care Up to the lifetime limit for lifetime care Up to the lifetime limit for lifetime care Up to the lifetime limit for lifetime care
Artificial life maintenance Up to the lifetime limit for lifetime care Up to the lifetime limit for lifetime care Up to the lifetime limit for lifetime care Up to the lifetime limit for lifetime care
Persistent vegetative state & neurological damage Up to the lifetime limit for lifetime care Up to the lifetime limit for lifetime care Up to the lifetime limit for lifetime care Up to the lifetime limit for lifetime care
Optical care
Annual optical test, lenses, frames & contact lenses (upon change of prescription) No cover No cover Option for cover up to US$200 Option for cover up to US$200
Dental costs
Emergency restorative treatment received as an in-patient Full cover US$5,000 Full cover Full cover
Emergency restorative treatment received as an out-patient No cover No cover US$500 US$1,000
Routine dental care (6-month waiting period) No cover Option for US$500 cover with a 10% co-insurance Option for up to US$1,500 cover with a 10% co-insurance US$1,500
Complex dental care (12-month waiting period) No cover No cover Option for US$1,500 cover with a 10% co-insurance Option for US$2,000 cover with a 10% co-insurance
Maternity costs
Routine maternity care & routine care of newborns (12-month waiting period) No cover Option for US$5,000 per pregnancy with a 20% co-insurance Option for up to US$10,000 per pregnancy with a 20% co-insurance US$15,000 per pregnancy
Complications of pregnancy (12-month waiting period) US$4,800 US$10,000 US$15,000 (option to extend to full cover) Full cover
Childbirth necessitating an emergency surgical procedure (12-month waiting period) No cover No cover Option for US$20,000 per pregnancy Full cover
Treatment for congenital conditions or hereditary conditions for newborn babies No cover No cover US$10,000 for in-patient or day-patient treatment received within the first 90 days after birth (option to extend to US$50,000 per pregnancy) US$100,000 for in-patient or day-patient treatment received within the first 90 days after birth
Expat benefits
24-hour medical assistance helpline Full cover Full cover Full cover Full cover
Emergency medical evacuation Full cover Full cover Full cover Full cover
Return airfare Full cover Full cover Full cover Full cover
Travel expenses of a companion Full cover Full cover Full cover Full cover
Accommodation expenses of a companion US$72 per night US$50 per night US$96 per night US$250 per night
Compassionate home visit (12-month waiting period) Lifetime limit of one claim No cover Lifetime limit of one claim Lifetime limit of one claim
Repatriation of mortal remains Full cover US$5,000 Full cover Full cover
Burial or cremation US$1,600 US$1,600 US$1,600 US$1,600
Medevac Plus Optional cover Optional cover Optional cover Optional cover

Bronze Silver Gold
US$1,500,000 US$2,500,000 US$5,000,000
Semi-private room (option to upgrade to cover for a private room) Private room Private room
Full cover Full cover Full cover
Full cover Full cover Full cover
US$1,600 Full cover Full cover
US$200 per night US$200 per night US$350 per night
Full cover Full cover Full cover
US$6,000 US$6,000 US$6,000
No cover No cover US$5,000 (lifetime limit of one claim)
Lifetime limit of US$150 Lifetime limit of US$150 Lifetime limit of US$250
Lifetime limit of US$500 Lifetime limit of US$500 Lifetime limit of US$750
Lifetime limit of US$100 Lifetime limit of US$100 Lifetime limit of US$250
Full cover Full cover Full cover
US$25,000 per transplant US$25,000 per transplant US$25,000 per transplant
Full cover Full cover Full cover
Full cover Full cover Full cover
Lifetime limit of US$20,000 Lifetime limit of US$40,000 Lifetime limit of US$80,000
n/a US$75,000 US$100,000
No cover 30 days 30 days
No cover 10 consultations 10 consultations
US$5,000 US$75,000 US$100,000
No cover US$500 per medical condition US$1,000 per medical condition
Full cover Full cover Full cover
US$1,000 per device US$1,000 per device US$1,500 per device
US$5,000 (option to extend up to US$10,000) No limit No limit
US$1,500 (option to extend up to US$3,500) Full cover Full cover
Up to the annual limit for out-patient treatment Full cover Full cover
Up to the annual limit for out-patient treatment Full cover Full cover
Up to the annual limit for out-patient treatment Full cover Full cover
No cover 10 sessions 15 sessions
No cover Up to 12 months from date of diagnosis Up to 18 months from date of diagnosis
No cover US$50 per session (max. 15 sessions) US$50 per session (max. 20 sessions)
US$250 (up to the annual limit for out-patient treatment) Full cover Full cover
In-patient & day-patient treatment, with out-patient treatment covered up to the benefit limit for primary medical care Full cover Full cover
Up to the benefit limit for primary care Full cover Full cover
No cover US$300 (option to extend to US$500) US$750 (option to extend to US$1,300)
No cover US$150 US$250
No cover US$200 US$400
7 days per medical condition 15 days per medical condition 30 days per medical condition
2 weeks per medical condition 12 weeks per medical condition 12 weeks per medical condition
US$50,000 US$50,000 US$100,000
Up to the lifetime limit for lifetime care Up to the lifetime limit for lifetime care Up to the lifetime limit for lifetime care
Up to the lifetime limit for lifetime care Up to the lifetime limit for lifetime care Up to the lifetime limit for lifetime care
Up to the lifetime limit for lifetime care Up to the lifetime limit for lifetime care Up to the lifetime limit for lifetime care
No cover Option for cover up to US$200 Option for cover up to US$200
US$5,000 Full cover Full cover
No cover US$500 US$1,000
Option for US$500 cover with a 10% co-insurance Option for up to US$1,500 cover with a 10% co-insurance US$1,500
No cover Option for US$1,500 cover with a 10% co-insurance Option for US$2,000 cover with a 10% co-insurance
Option for US$5,000 per pregnancy with a 20% co-insurance Option for up to US$10,000 per pregnancy with a 20% co-insurance US$15,000 per pregnancy
US$10,000 US$15,000 (option to extend to full cover) Full cover
No cover Option for US$20,000 per pregnancy Full cover
No cover US$10,000 for in-patient or day-patient treatment received within the first 90 days after birth (option to extend to US$50,000 per pregnancy) US$100,000 for in-patient or day-patient treatment received within the first 90 days after birth
Full cover Full cover Full cover
Full cover Full cover Full cover
Full cover Full cover Full cover
Full cover Full cover Full cover
US$50 per night US$96 per night US$250 per night
No cover Lifetime limit of one claim Lifetime limit of one claim
US$5,000 Full cover Full cover
US$1,600 US$1,600 US$1,600
Optional cover Optional cover Optional cover

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