Maternity Insurance in Dubai

Maternity insurance in Dubai

Delivering a baby without Maternity Insurance in Dubai can be very expensive. Delivery fees from January 2011, at UAE government hospitals are AED 5,000 for natural births, and AED 8,000 for caesarean section (previously AED 2,500 for natural birth and AED 5,000 for c-section).

If the patient does not have medical insurance in Dubai, it doubles to AED 10,000 for normal births and AED 16,000 for caesarean sections. Private hospital fees ranged from AED 6,000 to AED 25,000. Although many companies provide medical insurance in Dubai to their employees, the government has not yet made it mandatory (this is about to change in the near future).

This means that many couples who are planning to have babies should get maternity insurance in Dubai for themselves.

Key points to consider when buying Maternity Insurance in Dubai

What are the limits of the maternity insurance being offered?
Which hospitals are covered in the providers network list?
Are these hospitals close to where you live, in case of emergencies?
Are the hospitals in the list the type that you would be comfortable with?
Is there a waiting period involved before you can avail this benefit? Some insurers offer maternity insurance in Dubai without waiting period. Others have waiting periods of 10 months or more.
Does the plan over prenatal and postnatal costs?
Does the plan cover premature deliveries and incubation costs?
What are the limits of maternity cover being offered?
Is the maternity cover being offered as a cashless facility or on reimbursement basis?
Finally, is the insurer a reputed company that honors claims without hassles?
Do you have the time and patience to research amongst the numerous medical insurance providers?

Consequences of not having the right maternity insurance in Dubai

Not having maternity insurance in Dubai can turn out to be very expensive based on the costs mentioned above. There have been a number of horror stories of people having to pay a lot of money because their medical insurance plans did not cover maternity costs.

Not all medical insurance plans suit all individuals. Each person has different needs. This where our medical insurance department is able to help you by providing you quotes only from the providers best suited to your needs and free impartial advice.

More importantly, using us as a broker for your medical insurance does not increase your costs. We get compensated by the providers for the business and provide an extra level of service for administration and claims.