Individual Health Insurance in the UAE
Individual health insurance provides medical coverage for one eligible
person. It can help the insured member access covered healthcare services
through the medical network assigned to the selected plan.
The available benefits, annual limits, provider network, co-payments,
waiting periods and exclusions depend on the selected plan, eligibility,
residency details and medical information.
Who May Need Individual Health Insurance?
Individual medical coverage may be suitable for:
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Self-Employed Individuals:
People who do not receive medical insurance through an employer.
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Freelancers:
Eligible residents who need to arrange their own medical coverage.
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Dependants:
Family members who are not included under an employer-sponsored policy.
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New Residents:
Eligible applicants arranging coverage as part of their residency or
sponsorship requirements.
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Individuals Seeking Separate Coverage:
People who require a medical plan separate from an existing group policy.
What May Individual Health Insurance Cover?
Depending on the selected plan, benefits may include:
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Outpatient Consultations:
Eligible consultations with general practitioners and specialists
within the approved medical network.
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Diagnostic Services:
Medically necessary laboratory tests, imaging and other investigations.
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Prescribed Medicines:
Approved medicines may be covered according to the applicable formulary,
limits and co-payment.
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Inpatient Treatment:
Eligible hospital admissions, surgeries and related medical care,
subject to approval requirements.
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Emergency Treatment:
Emergency medical services may be covered according to the policy terms
and geographical limits.
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Maternity Benefits:
Eligible maternity services may be available, subject to limits,
waiting periods and policy conditions.
How to Choose an Individual Health Plan:
Review these important details before applying:
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Medical Network:
Check whether suitable hospitals, clinics, pharmacies and specialists
are included in the selected network.
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Annual Coverage Limit:
Review the maximum amount payable under the policy and any limits
applying to specific benefits.
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Co-payments:
Confirm how much you may need to pay for consultations, medicines,
diagnostic tests or other services.
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Pre-authorisation:
Check which treatments, tests, medicines or hospital admissions require
approval before receiving the service.
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Pre-existing Conditions:
Declare existing medical conditions accurately and review how they are
treated under the plan.
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Waiting Periods and Exclusions:
Understand which benefits are restricted, excluded or available only
after a waiting period.
How to Request Individual Health Insurance:
Follow these simple steps:
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Provide Your Personal Details:
Enter your name, contact information, date of birth and residency details.
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Provide Sponsor Information:
Submit the applicable employer, sponsor or self-sponsorship details.
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Complete the Medical Information:
Declare existing conditions, previous treatment and other requested
medical details accurately.
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Review the Available Coverage:
Check the benefits, medical network, limits, co-payments and exclusions.
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Submit the Documents:
Provide the requested identification, residency and medical records.
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Review the Quotation:
Confirm the premium and policy details before completing the application.
Documents Required:
You may need the following documents:
- Emirates ID
- Passport copy
- Residence visa copy or visa application details
- Employer or sponsor information
- Previous health insurance details, if available
- Medical declaration
- Medical reports or supporting documents, if requested
Why Choose Al Buhaira Insurance?
Customers can access:
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Individual Medical Insurance Enquiries:
Eligible applicants can request medical insurance based on their
personal and residency details.
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Online Quotation:
Applicants can submit their information through the online
medical-insurance quotation journey.
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Medical Network Search:
Healthcare providers can be searched by network, emirate, provider
type and speciality.
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Medical Insurance Support:
Assistance is available for new enquiries, policy issuance, renewals,
endorsements, approvals and reimbursement claims.
Frequently Asked Questions:
Ans: Individual health insurance provides medical coverage for one eligible person and access to covered healthcare services through the assigned medical network.
Ans: It may be suitable for self-employed individuals, freelancers, dependants and residents who are not covered under an employer-sponsored medical policy.
Ans: Coverage may include outpatient consultations, diagnostic services, medicines, inpatient treatment, emergency care and maternity benefits, subject to the selected plan.
Ans: Coverage depends on medical disclosure, underwriting, applicable requirements and the selected plan. Existing medical conditions should be declared accurately.
Ans: Treatment should generally be obtained through healthcare providers included in the assigned medical network. Emergency and out-of-network rules depend on the policy.
Ans: Yes. Eligible applicants can submit their details through Al Buhaira Insurance’s online medical-insurance quotation service.
