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 looking for health insurance for your move? Are you looking for a better insurer and plan than your current one? If so, this article is for you! And you won’t want to miss our blog posts about the best health insurance in Dubai or health insurance options Dubai expats have.
Insurance Plans for Dubai Expats from Allianz Care
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.
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.
You can choose between the following medical networks:
- Comprehensive Network: This includes all medical providers in Orient’s UAE network.
- Comprehensive Network, excluding CCAD: This includes all medical providers in Orient’s UAE network, excluding Cleveland Clinic Abu Dhabi.
- 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.
- 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.
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.
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
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 insurers and insurance plans. A broker’s advice is centered around helping their clients rather than directing them to any specific insurer.
Pacific Prime is an award-winning global insurance broker, and we have helped over one million expats secure health insurance around the world. Contact us today to learn more about how we can serve you in your insurance endeavors!
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:
- For a comprehensive dive into what you should consider when moving to Dubai, read Moving to Dubai – A Comprehensive Guide and How to Become a Citizen in Dubai.
- To learn more about what everyday life is like in Dubai, read our articles Living in Dubai – What to Expect and The Cost to Live in Dubai.
- To figure out which cities and areas are the best for expats, read about The Best Places to Live in Dubai and The Best Places to Live in the UAE.
- To discover how to protect yourself from diseases abroad, read about The 14 Most Common Diseases to Watch Out for When Traveling Abroad.
Happy insurance hunting!
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.
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Are there any specific health insurance plans that provide additional support for mental health and well-being for expats living in Dubai?
Yes, there are health insurance plans in Dubai that offer additional support for mental health and well-being, such as those provided by Allianz Care through Orient Insurance. For example, their Dubai Elite Individual plan includes coverage for psychiatry and psychotherapy services, with up to 30 visits, as well as access to wellness programs like the Expat Assistance Program (EAP), which provides counseling and support for mental health challenges. Expats can also benefit from services like the Olive Health & Wellness Support Program, which focuses on overall well-being.
To explore insurance plans tailored to your mental health and other needs, reach out to us via our Contact Us page for expert advice and plan comparisons.
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