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Compare our health plans

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

The information on this page is accurate for health insurance policies for people in the UAE starting between 01 June 2025 and 30 May 2026 (inclusive). If you live in Hong Kong, please check our plan comparison for our health plans in Hong Kong. If you live in any other country, please check our plan comparison for our health plans in all other countries.

All the benefits in this table are per member per policy year, unless we state otherwise. We’ve stated the benefit limits in UAE dirhams. Some of the benefits below are optional, and you can add them to your plan on the online quote tool. There are some optional benefits that are only available on plans for businesses—we’ve indicated where this is the case.

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.

Silver Gold
Annual benefit limit AED9,175,000 AED18,350,000
Hospital costs
Hospital accommodation Private room Private room
Hospital treatment
Parent accommodation
Accommodation of accompanying person
Local ambulance
Hospital cash benefit AED294 per night (up to 60 nights) AED918 per night (up to 60 nights)
Cancer treatment
Cancer treatment
Cancer genome tests
AED22,020
 AED22,020
Cash benefit upon diagnosis of cancer1
AED18,3502
Wigs Lifetime limit of AED551 Lifetime limit of AED918
Counselling Lifetime limit of AED1,835 Lifetime limit of AED2,753
Dietitian Lifetime limit of AED367 Lifetime limit of AED918
Organ, bone marrow or tissue transplants
Transplants and related treatment
Donor costs (per transplant) Up to AED91,750 Up to AED91,750
Kidney dialysis
Kidney dialysis
Reconstructive surgery
Reconstructive surgery
Congenital or hereditary conditions
Treatment for congenital and hereditary conditions Lifetime limit of AED146,800 Lifetime limit of AED293,600
Mental health treatment
Virtual mental health support via TruDoc
Annual limit for mental health treatment AED10,000 AED10,000
Inpatient & daypatient mental health treatment Up to the annual limit for mental health treatment Up to the annual limit for mental health treatment
Outpatient mental health treatment Up to the annual limit for mental health treatment Up to the annual limit for mental health treatment
Outpatient mental health medication AED5,505 AED7,340
HIV/AIDS treatment
HIV/AIDS treatment AED275,250 AED367,000
Medical appliances
Medical aids AED1,835 per medical condition AED3,670 per medical condition
Prosthetic implants
Prosthetic devices AED3,670 per device AED5,505 per device
Outpatient treatment
Virtual doctor consultations and pharmacy services via TruDoc
Primary medical care
Emergency ward treatment
Outpatient surgical procedures
Advanced diagnostic tests
Complementary treatments 10 sessions 15 sessions
Hormone replacement therapy Up to 12 months from date of diagnosis Up to 18 months from date of diagnosis
Traditional Chinese medicine AED184 per session (up to 15 sessions) AED184 per session (up to 20 sessions)
Ayurvedic treatment AED2,500 AED2,500
Physiotherapy
Chronic conditions
Virtual pharmacy services
Pre-existing & chronic conditions
Well-being benefits
Virtual well-being services via TruDoc
DHA-mandated preventive health & well-being
Additional preventive health & well-being AED1,835 AED2,569
Well-child benefit
Child vaccinations
Rehabilitation treatment
Rehabilitation treatment following inpatient treatment 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 12 weeks per medical condition
Lifetime care
Lifetime limit for all lifetime care AED183,500 AED367,000
Hospice & palliative care Up to the lifetime limit for lifetime care
Artificial life maintenance Up to the lifetime limit for lifetime care
Persistent vegetative state & neurological damage Up to the lifetime limit for lifetime care
Optical care (plans for businesses only)
Cover for an annual optical test and lenses and frames Option for cover up to AED1,835 Option for cover up to AED1,835
Dental costs
Emergency restorative treatment received as an outpatient AED150,000 AED150,000
DHA-mandated dental benefit AED500 per policy year subject to a 30% co-insurance per visit Included as standard – see benefit for Dental Basic
Routine dental care (Dental Basic)1 Option for cover up to AED3,670 per policy year, subject to nil or 20% co-insurance per visit Up to AED5,505
Complex dental care (Dental Plus)3 Option for cover up to AED7,340 per policy year, subject to nil or 20% co-insurance per visit Option for cover up to AED7,340 per policy year, subject to nil or 20% co-insurance per visit
Dental Plus – including Orthodontics for children (Business plans only) Up to AED7,340 OR up to AED11,010 per policy year (subject to nil or 20% co-insurance per visit) Up to AED7,340 OR up to AED11,010 per policy year (subject to nil or 20% co-insurance per visit)
Maternity costs
Routine outpatient maternity care
Routine inpatient maternity care AED10,000 per pregnancy (option to extend to AED36,700 on plans for businesses) AED10,000 per pregnancy in the plan’s first year, increasing to AED55,050 for subsequent years
Complications of pregnancy and childbirth AED150,000
Treatment for newborn babies AED150,000
AED367,000
Expat benefits
24-hour medical assistance helpline
Emergency medical evacuation (Medevac Basic)
Return airfare
Travel expenses of a companion
Accommodation expenses of a companion AED352 per night (up to 15 nights) AED918 per night (up to 15 nights)
Compassionate home visit3 Lifetime limit of one claim Lifetime limit of one claim
Repatriation of mortal remains
Burial or cremation Up to AED5,872
Medevac Plus Optional
Accidental death benefit
Accidental death benefit paid to your beneficiary
AED55,050
Medical emergencies
If you need emergency optical or auditory treatment
If you need emergency dental treatment
Road traffic accidents or work-related injuries

 

1 – 6-month waiting period. 2 – Lifetime limit of one claim. 3 – 12-month waiting period.

Notes on the health plans

You won’t find complete information for our plans on this webpage, nor the full T&Cs, limitations, and exclusions that would apply if you purchase one. You can find complete information in the plan agreement, which we suggest you read together with this webpage. All the benefits on this webpage are per member per policy year, unless we state otherwise. We show the benefit limits in US dollars, but we can also denominate your dirhams.

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