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Union Insurance

Health Insurance

Our Health Insurance comprises an array of flexible insurance plans to secure your health, as well as the health of your family. We have a dedicated technical team with the expertise required to find the best possible health insurance solutions for your needs. We also provide a customer service team, available to you 24/7, in the event of any emergency.

Enhanced Individual Plans

Dubai

Enhanced Individual plans will provide comprehensive coverage for you and your family through core benefits such as inpatient and outpatient treatments, emergency treatments, medical prescriptions, and maternity costs, to name a few. You can supplement these with additional benefits that include dental, optical, nursing-at-home or alternative treatments.

 

The Enhanced Individual plans are available in every Emirate and compatible with corresponding regulations.

  • Benefits

  • Annual Limit
  • Basic Area of Cover
  • Extended Area of Cover – Emergency
  • Network
  • Pre-existing and Chronic Conditions
  • Inpatient
  • Outpatient – Consultation Fees
  • Outpatient – Physiotherapy Treatments
  • Prescribed Medication Limit
  • Dental Benefit
  • Optical Benefit
  • Maternity Benefit – Outpatient
  • Maternity Benefit – Inpatient
  • Plan A

  • Get a Quote quotered quotewhite
  • Annual Limit
    1,000,000
  • Basic Area of Cover
    Worldwide
    (excluding USA & Canada)
  • Extended Area of Cover – Emergency
    Worldwide
  • Network
    General Network Plus
  • Pre-existing and Chronic Conditions
    Covered
  • Inpatient
    Private room
  • Outpatient – Consultation Fees
    20% Coinsurance,
    maximum AED 50/-
  • Outpatient – Physiotherapy Treatments
    Covered full up to 10 sessions
  • Prescribed Medication Limit
    Covered Full
  • Dental Benefit
    Covered up to AED 5,000 with 20% coinsurance
  • Optical Benefit
    Covered up to AED 1,000 with 20% coinsurance
  • Maternity Benefit – Outpatient
    10% coinsurance on consultation,
    maximum AED 50
  • Maternity Benefit – Inpatient
    Covered Full up to AED 20,000
    for normal delivery and up to AED 25,000 for medically necessary C-section
  • VIEW ALL VIEW LESS
  • Plan B

  • Get a Quote quotered quotewhite
  • Annual Limit
    500,000
  • Basic Area of Cover
    UAE, Arab countries, Southeast Asia
    (excluding Hong Kong & Singapore)
  • Extended Area of Cover – Emergency
    Worldwide
  • Network
    General Network
  • Pre-existing and Chronic Conditions
    Covered
  • Inpatient
    Private room
  • Outpatient – Consultation Fees
    20% Coinsurance,
    maximum AED 50/-
  • Outpatient – Physiotherapy Treatments
    Covered full up to 10 sessions
  • Prescribed Medication Limit
    Covered Full
  • Dental Benefit
    Covered up to AED 2,000 with 20% coinsurance
  • Optical Benefit
    Covered up to AED 500 with 20% coinsurance
  • Maternity Benefit – Outpatient
    10% coinsurance on consultation,
    maximum AED 50
  • Maternity Benefit – Inpatient
    Covered Full up to AED 7,000
    for normal delivery and up to AED 10,000 for medically necessary C-section
  • VIEW ALL VIEW LESS
  • Plan C

  • Get a Quote quotered quotewhite
  • Annual Limit
    200,000
  • Basic Area of Cover
    UAE, Arab countries, Southeast Asia
    (excluding Hong Kong & Singapore)
  • Extended Area of Cover – Emergency
    Worldwide
  • Network
    Restricted Network
  • Pre-existing and Chronic Conditions
    Covered
  • Inpatient
    Private room
  • Outpatient – Consultation Fees
    20% Coinsurance,
    maximum AED 50/-
  • Outpatient – Physiotherapy Treatments
    Covered full up to 6 sessions
  • Prescribed Medication Limit
    Up to AED 7,500 with 20% coinsurance
  • Dental Benefit
    Not covered
  • Optical Benefit
    Not covered
  • Maternity Benefit – Outpatient
    10% coinsurance on consultation,
    maximum AED 50
  • Maternity Benefit – Inpatient
    Covered Full up to AED 7,000
    for normal delivery and up to AED 10,000 for medically necessary C-section
  • VIEW ALL VIEW LESS
  • Plan D

  • Get a Quote quotered quotewhite
  • Annual Limit
    200,000
  • Basic Area of Cover
    UAE, Arab countries, Southeast Asia
    (excluding Hong Kong & Singapore)
  • Extended Area of Cover – Emergency
    Worldwide
  • Network
    Restricted Network 2
  • Pre-existing and Chronic Conditions
    Covered
  • Inpatient
    Private room
  • Outpatient – Consultation Fees
    20% Coinsurance,
    maximum AED 50/-
  • Outpatient – Physiotherapy Treatments
    Covered full up to 6 sessions
  • Prescribed Medication Limit
    Up to AED 3,000 with 30% coinsurance
  • Dental Benefit
    Not covered
  • Optical Benefit
    Not covered
  • Maternity Benefit – Outpatient
    10% coinsurance on consultation,
    maximum AED 50
  • Maternity Benefit – Inpatient
    Covered Full up to AED 7,000
    for normal delivery and up to AED 10,000 for medically necessary C-section
  • VIEW ALL VIEW LESS

Key Benefits

+
Comprehensive coverage

for policyholders and their family members

+
Competitive rates

that makes it affordable for all

+
Available in several options

with different combinations of benefits and networks

+
Applicable for residents

across all Emirates

+
A simplified process

of policy administration and claims handling through a wide range of digital solutions

+
A variety of healthcare provider

networks with direct billing access at 3400+ facilities

+
24/7 customer support

in the event of any emergency.

medicalproviders

Our Medical Providers

Your health is integral to your quality of life. Our flexible insurance plans are supplemented by a vast medical network to bring you and your family affordable, high-quality healthcare.

Find your medical provider

Find Your TPA

Our Team

Our dedicated department is always available to help you whenever you need it. They ensure that you receive the best possible plan and provide you with a hassle-free experience during its operation.

Over 35 employees comprising the insurance industry’s most experienced and respected professionals.

A strong technical and analytical underwriting (UW) team, with rich experience in risk assessment and gap analysis to help both individuals and companies choose the best suitable insurance products.

Extensive experience drawn from successfully assisting thousands of individuals and groups with suitable plans for their insurance requirements each year.

A professional Healthcare Management Centre and Business Relationship Unit that provides unique services to our policyholders, ensuring high levels of customer satisfaction.

A dedicated claims unit staffed by highly qualified medical personnel, including doctors, pharmacists, dentists, and nurses, to efficiently handle every aspect of a medical claim, while keeping a vigilant eye on customer needs.

Dedicated channels of communication for claims and approvals, along with a 24/7 helpline number in case of any sort of emergency, to ensure that policyholders can reach us whenever they want, from wherever they are.

Extensive health support for our policyholders, through second opinions from the best medical professionals, either from the local market or internationally, if required. This ensures that our policyholders receive the correct treatment based on the best practices worldwide.

Service support from a highly automated process for optimal self-services in areas including enrolment, data updates, submitting claims, and more., to save you time and resources.

Claims Process

While our dedicated health insurance claims department is always available to help whenever you require assistance, we also offer an easy 4-step claims submission process for a smooth and time-saving experience.

FAQs

  • What is the UIC BALSAM programme?addremove

    The Union Insurance health insurance plan is accompanied by a special value-added service known as BALSAM. It comprises of several carefully designed programmes that provide relief to certain areas that aren’t covered under traditional health insurance policies. You can visit the Balsam section on our website to know more. You can also send an email to balsam@unioninsurance.ae for more details, or register for the programme through the UIC mobile app.

  • What is direct billing?addremove

    Direct billing is a term generally used for cashless treatment, wherein the network provider (clinic, hospital, pharmacy, or lab) you have visited, submits your bills directly to the insurance company for payment. Depending on the type of policy you choose, you may be requested to pay a small portion of the bill directly to the medical provider. 

     

    Direct billing enables you to avail your coverage to the full. However, it can only be used with medical providers in your network, which is why we strongly recommend you visit those providers only.

  • What is coinsurance/co-participation?addremove

    It is the portion of eligible medical expenses (usually a fixed percentage of all inpatient or outpatient services) which the policyholder is obliged to pay. Consult your table of benefits for more information.

  • What is a deductible?addremove

    A deductible (excess) is the amount deducted from a claim medical expense which is specified in monetary units (i.e. 25, 50, or 75 dirhams) and which is applied to the medical services (e.g. doctor’s consultation fees) specified in the policy document. The amount is paid by the policyholder. You will find more details in your policy document and table of benefits.

  • If I am insured with Union Insurance, do I still receive a physical health card?addremove

    Union Insurance no longer prints physical health cards. Instead, to make things more convenient for our insured members, we activate coverage on their Emirates ID. In addition to that, we provide a PDF copy of the card which is known as an E-card. 

     

    E-cards are available to corporates on our health portal. However, individuals (whether enrolled through a group or individual policy) can access their personal E-card using the UIC mobile app. You can learn more about the app on our website. Click here.

  • I did not receive an E-card from my employer. How can I find out my card number?addremove

    Since we link your insurance policy to your Emirates ID card, presenting the card to any medical provider will enable them to identify your policy.


    You may also access your policy details, and download your E-card, through the UIC mobile app. You can learn more about it here.

  • Can my E-card alone provide me with access to medical providers?addremove

    While medical providers can usually identify your insurance coverage through your E-card, it is not an identification document. It is strongly recommended you carry your Emirates ID or any other valid proof of identity on you as well.

  • Are the expiry dates of my insurance policy and Emirates ID linked?addremove

    No. They must each be renewed separately according to their own expiry dates. If your Emirates ID is due for renewal, but your insurance policy is still valid, you can still access medical providers by presenting your E-card along with any other valid proof of identity.

  • Where can I find the UIC mobile app?addremove

    The app is available to all our policyholders via a free download from the Google Play Store for Android users and the Apple Store for iOS users. Just search for “Union Insurance” in the applicable store.

  • I downloaded the UIC mobile app. How do I register and what are the options available to me? addremove
    • Register yourself on the app using your valid mobile number and email ID. You will receive a temporary password.
    • Log in with your email ID and the temporary password. You may change the password through: Menu - My Portfolio - Change Password/Enable Touch ID 
    • To link your policy, go to Menu - My Portfolio - Link a Policy. From the drop-down list, please select Health and insert your Emirates ID number. 
    • To view your policy and member details, please select My Portfolio - View Linked Policies 
    • Select the tab View Member Details to download your health insurance E-card and certificates of insurance, or to for search medical providers in the applicable network 
    • To submit and track claims, go to My Portfolio - Health - Register Claim/Track Claim
    • You can also explore the Menu on the left-hand side to avail other services, such as quotation requests, customer support, and more.
  • Who should I contact if I require further help with anything related to my policy, such as clarification on benefits or assistance with the claims submission?addremove

    The TPA Call Centre is available 24/7. The number is listed on your E-card. 

    You may also contact Union Insurance through one of the following channels:

  • What does health insurance cover? addremove

    Health insurance covers a variety of services, that range from outpatient visits to major medical expenses. Different plans carry different benefits, so it’s important to determine your particular requirements before buying a specific plan.

  • Which benefits should I choose?addremove

    We offer a wide range of benefits, including  inpatient treatment, emergency treatment, preventive care, and more. However, in this context, one size doesn’t fit all. We will be happy to help you choose a plan with the most effective benefits for your needs. Visit the healthcare section on our website, or e-mail us at info@unioninsurance.ae for further information.

  • Who is eligible for health insurance?addremove

    All citizens and residents of the UAE. Please note that in the Emirates of Abu Dhabi and Dubai, health insurance coverage is mandated by law, and it should be provided to you by the sponsor of your visa, regardless of whether the sponsor is a company or an individual.

  • How can I find out exactly what my policy covers?addremove

    Union Insurance provides a detailed Table of Benefits (TOB) for each issued policy. If you hold an individual cover, you may find the TOB in your policy contract. However, if you’re insured through your employer’s group scheme, you will need to contact their Human Resources department (or whichever department arranged the insurance) for the policy benefits.

  • How can I find out what my policy does not cover?addremove

    Services or benefits that are not covered by a policy are known as ‘exclusions’. Union Insurance provides you with a detailed exclusion list for each policy. The lists clearly describe the services and benefits that are exempt from that policy. The exclusion list is part of the official health plan offer, along with the benefits and premium. If you are an existing policyholder, you will find the exclusion list in the policy contract.

  • Health insurance talks about coverage for emergencies. What is an emergency?addremove

    In this context, emergencies refer to life-threatening situations, caused by a sudden onset of illness, injury, or medical condition, manifesting in the form of acute symptoms of sufficient severity (such as serious pain), that require immediate and unscheduled medical care.

  • What are pre-existing conditions? Are they covered by health insurance?addremove

    Pre-existing conditions refer to medical conditions or bodily injuries which were diagnosed or treated prior to applying for health insurance. Most pre-existing conditions are covered by UIC, if disclosed by customers at the time they apply for coverage.

  • Can I use my health policy outside the UAE?addremove

    This is subject to your policy terms and conditions. Please refer to your policy contract and the table of benefits to learn about geographical limits and other relevant information. If coverage outside the UAE is available under the terms of your policy, it is likely that you will have to pay the full cost of treatment before applying for reimbursement. The reimbursement claim will be settled according to the terms and conditions of your policy.

  • How can I request a reimbursement of my claim? addremove

    You can submit your reimbursement claim through the Union Insurance mobile app, or through the Health Claims section on our website. 

  • Is there a timeframe for submitting reimbursement claims?addremove

    Yes, you must submit your request, along with all the supporting documents, within 30 days of the claim occurrence.

  • How long does it usually take to process reimbursement claims?addremove

    Reimbursement claims will be processed and settled according to your policy terms and conditions within 14 days of the claim being successfully submitted.

  • What documents do I need to submit my claim?addremove

    The required documents will be mentioned during the submission process. Please note that Union Insurance reserves the right to request any additional document related to the claim.

  • Where can I find the reimbursement form?addremove

    You can download it on the mobile app or find it in the Health Claims section of our website.

  • How can I know the status of my submitted claim?addremove

    You can track the status of your claim through the app or on the Health Claims section of our website.

  • How will I receive the claim amount, once it has been processed?addremove

    You may select the preferred mode of payment at the time of submitting your claim. You will be given a choice between bank transfers and cheques.

  • My reimbursement claim has been settled, but I haven’t received the full amount. Why?addremove

    The reimbursement terms are clearly explained in your policy contract and table of benefits. Besides a reduction in the amount due to coinsurance or deductibles (defined in your table of benefits), the claim settlement may be reduced for Usual, Customary, and Reasonable (UCR) charges - the amount paid for a medical service in a geographic area based on what providers in that area usually charge for the same or similar medical services.

  • Is TPA an insurance company?addremove

    No, TPA (Third Party Administrator) is a company that works closely with insurance companies to provide different services, such as networking with medical providers (clinics, hospitals, pharmacies, and laboratories), and arranging claim management support.

  • Which medical providers can I visit?addremove

    We recommend that you visit medical providers within your network, as this will make you eligible for direct billing mode access - all you need to do is present your Emirates ID and/or E-card to the medical provider’s staff. Your applicable network will be displayed to you once you log into the UIC mobile app. Click here for information on navigating the app.

    You may also find your network on the Union Insurance website, by searching the TPA & network name mentioned in your table of benefits and e-card.

  • Do I need to wait for approval from a medical provider in my network, before getting treatment?addremove

    Not for emergency treatments. Elective outpatient treatment approvals, however, are issued within an hour. Inpatient treatment approvals are issued within 24 hours. Please note that the medical provider’s staff will arrange all approvals, as long as that provider belongs to your network.

  • Can I visit a non-network provider?addremove

    Non-network access is subject to policy terms and conditions. If it is available in your policy, you will have to pay the full cost of treatment before applying for reimbursement. The reimbursement claim will be settled according to the terms and conditions of your policy.

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