Finding the right health insurance plan is one of the most important steps for anyone living in the UAE. Whether you are a long-term resident in Dubai, an employee in Abu Dhabi, or a newcomer preparing your visa requirements, choosing a reliable insurer ensures medical protection and peace of mind.
One of the most trusted names in the region is Oriental Health Insurance, officially known as Oriental Insurance Company, which has been serving UAE residents for decades and boasts strong financial stability and a vast network of medical providers.
This complete guide will explain everything you need to know about Oriental Health Insurance, including coverage, plan types, renewal steps, regional differences, and how to choose the right plan for your needs.
About Oriental Health Insurance
Oriental Insurance Company, also known as Oriental Insurance, is a leading global insurer that operates under the Oriental Insurance brand in the UAE. With its head office in India and a strong presence across the Middle East, the company has built a reputation for financial strength and consistent claims support.
Residents trust Oriental Health Insurance because it offers affordable, flexible, and region-specific plans that comply with Dubai Health Authority (DHA) and Abu Dhabi Department of Health requirements.
Why Oriental Health Insurance is popular in the UAE
- Strong claim support
- Affordable plans for individuals and families
- Corporate and group medical coverage
- Large UAE medical network
- Flexible plans for different income levels
- Availability in Dubai, Abu Dhabi, Sharjah, Ajman, and other Emirates
Key Features of Oriental Health Insurance in the UAE
Choosing Oriental Health Insurance gives you access to a wide range of benefits designed for residents of Dubai, Abu Dhabi, and the surrounding Emirates.
1. Large Network of Hospitals and Clinics
Oriental Health Insurance works with many medical facilities across the UAE, including government-approved hospitals, diagnostic centers, and pharmacies.
This network includes facilities in:
- Dubai
- Abu Dhabi
- Sharjah
- Fujairah
- Ras Al Khaimah
- Ajman
You can easily find hospitals and clinics that support cashless treatment with your Oriental Insurance card.
2. Affordable Plans for Individuals and Families
From basic plans that meet minimum requirements to comprehensive plans for families, Oriental Health Insurance offers options for every budget.
These insurance plans typically include:
- Outpatient diagnosis
- Inpatient hospitalization
- Specialist consultations
- Maternity care (for specific plans)
- Emergency services
- Medication and lab tests
Exact benefits, limits, and network access depend on the specific Oriental Health Insurance plan and the policy wording.
3. Compliance with UAE Health Laws
Dubai residents must have DHA approved insurance, while Abu Dhabi residents must have Department of Health (DoH, previously HAAD) approved plans. Oriental Insurance provides compliant plans for both Emirates.
Oriental Health Insurance in Dubai and Abu Dhabi are reliable choices for residency visa issuance or renewal.
Types of Oriental Health Insurance Plans
Oriental Insurance provides a variety of plans to suit different needs.
1. Essential Benefits Plan (for Dubai)
This plan meets the mandatory DHA regulations and is suitable for:
- Low-income employees
- Domestic workers
- Entry-level dependents
Coverage typically includes:
- Emergency treatment
- Basic consultations
- Lab tests
- Restricted maternity benefits, according to DHA Essential Benefits Plan standards
2. Standard and Mid-Tier Plans
These plans are suitable for:
- Families
- Individuals with higher medical needs
- Residents seeking broader coverage
Features often include:
- Wider hospital networks
- Specialist coverage
- Physiotherapy
- Diagnostics
- Dental and optical options (depending on plan)
3. Comprehensive and Premium Plans
Designed for those who want extensive protection.
Coverage may include:
- Worldwide emergency coverage
- Advanced diagnostics
- High annual limits
- Comprehensive maternity benefits
- Elective treatments
- Specialist consultations without referrals
Oriental Health Insurance in Dubai
Dubai is one of Oriental Health Insurance's strongest markets due to the mandatory health insurance requirement for all residents. Oriental plans in Dubai are DHA-compliant and ideal for:
- Families living in areas like Al Barsha, Deira, Karama, JLT, or Mirdif
- Employees working in private companies
- Domestic workers
- Investors and self-sponsored residents
Residents appreciate Oriental Insurance's affordability, especially for families with children.
Oriental Health Insurance in Abu Dhabi
Abu Dhabi has slightly different health regulations that require more exhaustive coverage for dependents and higher minimum benefits. Oriental Insurance offers approved plans for Abu Dhabi residents that comply with the Department of Health.
Key advantages include:
- Access to many major private hospitals and clinics in Abu Dhabi through approved network partners
- Options for enhanced maternity benefits on selected plans
- Emergency treatment across the UAE, subject to policy terms
- Competitive pricing options for families and dependents
How to Renew Oriental Health Insurance in the UAE
Renewing Oriental Health Insurance is essential to avoid gaps in medical coverage, claim rejections, or delays in residency visa processing.
Steps to Renew Oriental Health Insurance in the
UAE
Follow these steps:
- Visit www.insurenow.ae/health-insurance
Go to the health insurance section to begin your renewal request. - Enter your
personal details
Provide your basic information to proceed with your Oriental Health Insurance renewal. - Fill out the
form to get personalized quotes
Receive Oriental Health Insurance options tailored to your profile. - Choose your
Oriental Health Insurance renewal option
Select the plan that best matches your needs and budget. - Pay securely
online and download your renewed policy
Complete the payment and receive your updated policy by email.
Tip: Always renew your plan before it expires to maintain uninterrupted access to hospitals and clinics.
How to Make a Claim with Oriental Health Insurance
Claims with Oriental Insurance are usually processed smoothly when all documents are provided.
Cashless Treatment
For cashless service:
- Visit a network hospital
- Present your Emirates ID or insurance card
- The hospital will request approval
- Once approved, treatment begins without payment
Reimbursement Claims
If you visit a non-network
provider:
- Keep all receipts and medical reports
- Submit claims through the Oriental Insurance portal
- Receive reimbursement after approval
What is Not Covered under Oriental Health Insurance
Exclusions vary by plan. Common exclusions include:
- Cosmetic or elective procedures
- Fertility treatments
- Non-prescribed supplements
- Pre-existing conditions without waiting periods
- Unapproved international hospitals
Always read your policy document to understand your exact coverage.
Why Choose Insure Now for Oriental Health Insurance in the UAE
Insure Now is a digital insurance platform in Dubai that helps UAE residents compare and choose the right health insurance plans, including Oriental Health Insurance.
Benefits of Using Insure Now
- Free plan comparison
- Personalized quotes
- No paperwork
- Fast policy issuance
- Support team assistance for claims
Insure Now helps you find the best Oriental Health Insurance in Dubai or Abu Dhabi based on your budget and medical needs.
Frequently Asked Questions
1. What is Oriental Health Insurance?
Oriental
Health Insurance refers to medical insurance plans offered by
Oriental Insurance for UAE residents.
2. Can I renew Oriental Health Insurance
online?
Yes. You can renew through InsureNow by
filling out a form and receiving personalized quotes.
3. Is Oriental Health Insurance approved in
Dubai?
Yes. Oriental Insurance offers DHA-approved
plans for all Dubai residents.
4. Does Oriental Insurance cover maternity
benefits?
Many mid-tier and premium plans include
maternity coverage, depending on your plan selection.
5. What is the cost of Oriental Health Insurance in the
UAE?
Prices vary based on age, coverage, and network
type. Personalized quotes are available through Insure Now.
Conclusion: Oriental Health Insurance Is a Trusted Choice for UAE Residents
Oriental Health Insurance is a reliable and cost-effective option for individuals, families, and employees across the UAE. With strong coverage in Dubai and Abu Dhabi, access to an extensive medical network, and flexible plan choices, Oriental Insurance offers residents peace of mind and financial protection against unexpected medical expenses. Whether you are looking for essential coverage or a comprehensive plan with wider benefits, Oriental Health Insurance provides dependable solutions that suit both lifestyle and budget.
Choosing the right medical insurance is an essential step toward long-term wellness and security. Once you explore your Oriental Health Insurance options, you can take the next step toward complete protection for your health, your family, and your future.
Visit InsureNow.ae to compare and choose:
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