Basic health insurance coverage in the UAE typically includes a range of medical services such as emergency care, surgeries, diagnostics, medications, both outpatient and inpatient treatments and maternity care. However, there are certain limitations and conditions attached to basic health insurance, including an annual medical coverage limit of AED 150,000, emergency treatment restricted to within the UAE, and basic healthcare services only covered within a specific emirate. Pre-existing and chronic conditions are not included during the first 6 months but are covered thereafter.

For basic inpatient services, the insured person is responsible for a 20% co-insurance payment, with a maximum limit of *AED 500 per visit and an annual aggregate limit of *AED 1,000, with the insurer covering any costs exceeding these caps. Additionally, the cost of medicines is covered up to an annual limit of *AED 1,500, with the insured individual paying upto *30% co-insurance for each prescription.

(*The above-mentioned prices are estimates and may vary depending on the chosen policy’s terms and conditions)

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