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Allianz Insurance in Dubai for Expats

Allianz Care Insurance provides international insurance for expats in Dubai with their regional partner Orient Insurance PJSC. Orient and Allianz offer comprehensive private health coverage in Dubai and the rest of the UAE that satisfies the health requirements of the Dubai Health Authority.

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Are you a Dubai expat who needs to find health insurance for your move? Is your current policy coming to an end, and you’d like to find a better insurer and plan? If so, this article is for you!

Pacific Prime is a global insurance broker, and it is our mission to help expats like you secure health coverage that meets your medical needs and fits your budget. Today we will present the plans provided in Dubai that are offered by Allianz through Orient.

If you have questions about these plans or would like to get no-obligation, free quotes for Allianz plans, contact Pacific Prime.

Dubai expats will not want to miss our blog post about the best health insurance in Dubai, and you will want to learn the many health insurance options Dubai expats have

Throughout this article, we will talk about Allianz Insurance and Orient Insurance interchangeably since they are one and the same when it comes to coverage offered in Dubai and the UAE.

Insurance Plans for Dubai Expats from Allianz Care

Allianz Insurance, also known as Allianz Care, offers three customizable plans in Dubai for expats: Dubai Elite Individual, Dubai Prime Individual, and Dubai Select Individual. These plans are offered through Orient Insurance, and for each plan, you are able to choose your choice of medical network.

Business Bay Skyline in Dubai, United Arab Emirates

You can choose between the following medical networks:

  1. Comprehensive Network: This includes all medical providers in Orient’s UAE network.
  2. Comprehensive Network, excluding CCAD: This includes all medical providers in Orient’s UAE network, excluding Cleveland Clinic Abu Dhabi.
  3. Standard Network: This includes all medical providers in Orient’s UAE network, with the exclusion of Cleveland Clinic Abu Dhabi, outpatient services offered at American Hospital, and hospitals in the Mediclinic Group.
  4. RN Enhanced Network: This includes Orient’s list of chosen medical providers that cover the full spectrum of medical services in the UAE.

Expats can add on optional dental, enhanced maternity, and repatriation plans to their coverage package. There are also several global health services that are included with each of the following three plans. Those global services are:

  • Expat Assistance Program (EAP)
  • Travel Security Services
  • Olive Health & Wellness Support Program
  • MyHealth Digital Services
  • Second Medical Opinion Service

You can read more about how your coverage works, how to pay premiums, and the terms and conditions of the Allianz Care plans in the Orient Insurance PJSC Benefit Guide PDF.

In the following sections, we will break down the benefit packages for the three expat insurance plans offered by Orient in Dubai. Every plan has the option to provide you coverage worldwide, or worldwide excluding the USA.

Dubai Elite Individual: Insurance by Allianz Care

Allianz Care’s insurance plan for expats, called Dubai Elite Individual, offers a maximum plan limit of USD $10,500,000. It includes coverage for pre-existing conditions, in-patient and day-care, maternity services, outpatient care, psychiatry services, and more.

The following chart details the benefits allotted in the Dubai Elite Individual plan.

 

Dubai Elite Individual Benefits by Orient Insurance
Type of Benefit Covered Amount Covered in USD
Maximum Plan Limit $10,500,000
Type of Room in Hospital Private Room is Covered
Inpatient / Day Patient Care Covered
Oncology Covered
Pre-Existing Conditions $43,000
Nursing Services in Home or a Convalescent Home $6,000
Rehabilitation $6,250
Routine Maternity Care 90% Refunded up to $2,750
Preventative Surgeries $40,000
Accidental Death $14,000
Laser Eye Treatment $1,350
Dubai Gold Individual Outpatient Plan Maximum Limit No Limit
General Practitioner and Specialist Fees Covered
Prescription Drugs Covered
Diagnostic Tests Covered
Psychiatry and Psychotherapy 30 visits
Physiotherapy Covered
Chiropractic and Related Treatments Covered
Ayurvedic Treatment $1,000
Infertility Treatment $17,000 per lifetime
Health and Wellbeing $1,700

 

To learn more about the benefits covered in the Dubai Elite Individual plan by Allianz Care/Orient, contact Pacific Prime today. Expats can also compare insurance quotes online by yourself with our free, no-obligation insurance quote generator.

Dubai Prime Individual: Insurance by Allianz Care

Allianz Care’s insurance plan for expats, called Dubai Prime Individual, offers a maximum plan limit of USD $4,000,000. It includes coverage for pre-existing conditions, in-patient and day-care, maternity services, outpatient care, psychiatry services, and more.

Jumeirah Beach Hotel on Jumeirah Street, Dubai, UAE

The following chart details the benefits allotted in the Dubai Prime Individual plan.

 

Dubai Prime Individual Benefits by Orient Insurance
Type of Benefit Covered Amount Covered in USD
Maximum Plan Limit $4,000,000
Type of Room in Hospital Private Room is Covered
Inpatient / Day Patient Care Covered
Oncology Covered
Pre-Existing Conditions $43,000
Nursing Services in Home or a Convalescent Home $3,550
Rehabilitation $3,550
Routine Maternity Care 90% Refunded up to $2,750
Preventative Surgeries Not Covered
Accidental Death Not Covered
Laser Eye Treatment Not Covered
Dubai Silver Individual Outpatient Plan Maximum Limit $61,700
General Practitioner and Specialist Fees Covered
Prescription Drugs Covered
Diagnostic Tests Covered
Psychiatry and Psychotherapy 20 visits
Physiotherapy Covered
Chiropractic and Related Treatments Covered
Ayurvedic Treatment $850
Infertility Treatment $17,000 per lifetime
Health and Wellbeing $850

 

To learn more about the benefits covered in the Dubai Prime Individual plan by Allianz Care/Orient, contact Pacific Prime today. Expats can also compare insurance quotes online by yourself with our free, no-obligation insurance quote generator.

Dubai Select Individual: Insurance by Allianz Care

Allianz Care’s insurance plan for expats, called Dubai Select Individual, offers a maximum plan limit of USD $1,750,000. It includes coverage for pre-existing conditions, in-patient and day-care, maternity services, outpatient care, psychiatry services, and more.

Dubai's Coastal Line Buildings, United Arab Emirates

The following chart details the benefits allotted in the Dubai Select Individual plan.

 

Dubai Select Individual Benefits by Orient Insurance
Type of Benefit Covered Amount Covered in USD
Maximum Plan Limit $1,750,000
Type of Room in Hospital Private Room is Covered
Inpatient / Day Patient Care Covered
Oncology Covered
Pre-Existing Conditions $43,000
Nursing Services in Home or a Convalescent Home $3,550
Rehabilitation $2,800
Routine Maternity Care 90% Refunded up to $2,750
Preventative Surgeries Not Covered
Accidental Death Not Covered
Laser Eye Treatment Not Covered
Dubai Pearl Individual Outpatient Plan Maximum Limit $51,000
General Practitioner and Specialist Fees Covered
Prescription Drugs $1,400
Diagnostic Tests Covered
Psychiatry and Psychotherapy 15 visits up to $2,725
Physiotherapy $4,000
Chiropractic and Related Treatments $1,400
Ayurvedic Treatment $700
Infertility Treatment Not Covered
Health and Wellbeing Not Covered

 

To learn more about the benefits covered in the Dubai Select Individual plan by Allianz Care/Orient, contact Pacific Prime today. Expats can also compare insurance quotes online by yourself with our free, no-obligation insurance quote generator.

How an Insurance Broker Can Help Expats

Insurance brokers help expats find the health insurance they need when living abroad. Brokers are not employed by an insurance company like an insurance agent is. Instead, they are a third party that is loyal first and foremost to their expat clients.

Because a broker’s main priority is helping their clients find the best plans for their individual needs and budget, brokers help expats shop around between insurance companies and insurance policies. A broker’s advice is centered around helping their clients rather than directing them to any specific insurer.

Dubai Marina Nighttime View

Pacific Prime is an award-winning global insurance broker, and we have helped over one million expats secure health insurance around the world. Reach out to us today to learn more about how we can serve you in your insurance endeavors! 

Read here to learn more about what an insurance broker does and how you can pick one.

The best part is that you won’t pay us a penny! We receive commissions from insurance providers, so you benefit from our services without any cost while learning about the many insurance options available to you.

Frequently Asked Questions

Does Allianz Insurance offer health insurance in Dubai?

Allianz Insurance offers health insurance in Dubai through their partner Orient Insurance PJSC.  They have three plans available that Dubai expats can choose from. These include the Dubai Elite Individual plan, the Dubai Prime Individual plan, and the Dubai Select Individual plan.

Why do expats in Dubai choose Orient Insurance?

Many expats in Dubai and the UAE choose to buy health insurance through Orient Insurance because the plans are flexible to your needs and budget, they offer worldwide coverage with over 1 million quality providers, and they have access to local support and operations in Dubai.

Does the Dubai Elite plan from Orient offer worldwide coverage?

Orient Insurance’s Dubai Elite Individual plan does provide worldwide coverage. You can either choose to have complete worldwide coverage, or you can choose to exclude the USA, which often lowers premium costs. The same choice is available for all three Individual plans offered by Orient in Dubai.

Do I need health insurance if I’m moving to Dubai?

All residents of Dubai are required by law to have a minimum amount of health insurance coverage. This Dubai Health Insurance Law is enforced by the Dubai Health Authority (DHA). Allianz Care/Orient Insurance offers plans that meet these minimums, as do Bupa, Cigna, and more.

Conclusion and More Resources

Allianz Care Insurance, in partnership with Orient Insurance, provides phenomenal medical coverage to expats in Dubai. You can choose between the three plans we’ve discussed and customize your add-ons and network. Compare Orient plan quotes now!

You will also want to learn about the Bupa Dubai health insurance plans and Dubai Zurich insurance.

Here are some additional resources expats going to Dubai will want to read:

Happy insurance hunting!

Senior Content Creator at Pacific Prime
Serena Fung is a Senior Content Creator at Pacific Prime, a global insurance brokerage and employee specialist serving over 1.5 million clients in 15 offices across the world. With 2+ years of experience writing about the subject, she aims to demystify the world of insurance for readers with the latest updates, guides and articles on the blog.

Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).

Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
Serena Fung