UAE Maternity Insurance Plans
Maternity insurance for expats in Dubai starts at USD $115/month. Coverage differs by plan, with benefits like postnatal care, elective C-sections, and pregnancy complications support. Waiting periods may reach 24 months, so securing a policy is key for expectant mothers.
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Through brokers, expats in Dubai can tailor maternity insurance to compare premiums, benefits, and coverage areas. Providers like Bupa, William Russell, NOW Health, April International, and Allianz offer plans balancing affordability with comprehensive pregnancy and childbirth care.
Top Maternity Insurance Providers in the UAE
Maternity insurance in Dubai is offered by Bupa, William Russell, NOW Health, April International, and Allianz. Plans vary in coverage and waiting periods, with premiums for a 25-year-old starting around USD $120/month. Early enrollment ensures access to full maternity benefits.
Note: All information provided about maternity insurance plans is for educational purposes only. For accurate, personalized coverage details, it’s best to compare health insurance quotes tailored to your family’s needs.
Bupa Global World Health Options
Bupa Global’s World Health Options maternity plan in Dubai starts at USD $321/month for a 25-year-old, with a 24-month waiting period.
It covers pregnancy complications up to the annual limit of USD $2,890,000, plus postnatal care, elective C-sections, and multiple births. Dental and evacuation are optional add-ons.
| Bupa World Health Options Plan Details | |
| Coverage Area | Worldwide excluding USA |
| Monthly Premium (USD) | $321 |
| Deductible/Copay (USD) | $3,400 inpatient, $170 outpatient |
| Waiting Period | 24 months |
| Pregnancy and Delivery Complication Limit (USD) | Up to the annual limit of $2,890,000 |
| Annual Plan Coverage Limit (USD) | $2,890,000 |
| Postnatal Coverage | Covered |
| Home Deliveries | Up to $1,150 |
| Elective C-Sections | Covered |
| Multiple Births | Covered |
| Dental Coverage | Not covered |
| Emergency Evacuation and Repatriation | Not covered |
William Russell Maternity Insurance Plans
William Russell’s Silver maternity plan in Dubai starts at USD $412/month for a 25-year-old, with no waiting period.
It covers routine maternity, pregnancy complications, postnatal care, elective C-sections, and multiple births, with an annual limit of USD $2,500,000. Dental and repatriation are optional upgrades.
| William Russell Silver Plan Benefits | |
| Coverage Area | Worldwide excluding USA |
| Monthly Premium (USD) | $412 |
| Deductible/Copay (USD) | $0/ 20% copay |
| Waiting Period | No waiting period |
| Pregnancy and Delivery Complication Limit (USD) | $40,782 per pregnancy, $2,725 routine maternity |
| Annual Plan Coverage Limit (USD) | $2,500,000 |
| Postnatal Coverage | Covered |
| Home Deliveries | Covered |
| Elective C-Sections | Covered |
| Multiple Births | Covered |
| Dental Coverage | Not covered |
| Emergency Evacuation and Repatriation | Emergency evacuation coverage only |
Arabia NOW Health Maternity Coverage in Dubai
Arabia NOW Health’s Apex maternity plan in Dubai starts at USD $739/month, with a 12-month waiting period (waived in some cases).
It offers USD $4,500,000 annual coverage, routine maternity up to USD $17,500, plus dental postnatal care, elective C-sections, multiple births, and full evacuation/repatriation benefits.
| Arabia Now Health Apex Plan Features | |
| Coverage Area | Worldwide excluding USA |
| Monthly Premium (USD) | $739 |
| Deductible/Copay (USD) | $0/ 20% |
| Waiting Period | Waived in Dubai and Abu Dhabi, 12 months for certain conditions |
| Pregnancy and Delivery Complication Limit (USD) | Up to the annual limit for complications, $17,500 for routine maternity |
| Annual Plan Coverage Limit (USD) | $4,500,000 |
| Postnatal Coverage | Covered up to six weeks |
| Home Deliveries | Covered |
| Elective C-Sections | Covered |
| Multiple Births | Covered |
| Dental Coverage | Covered |
| Emergency Evacuation and Repatriation | Covered |
IHI BUPA IHHP Maternity Plans
IHI Bupa’s IHHP maternity plan in Dubai starts at USD $208/month with a 12-month waiting period. It covers routine maternity, emergency C-sections, postnatal care, home deliveries, elective C-sections, and multiple births, with an annual limit of USD $4,400,000.
| IHI BUPA IHHP Plan Coverage | |
| Coverage Area | Worldwide |
| Monthly Premium (USD) | $208 |
| Deductible/Copay (USD) | $20,000 per year |
| Waiting Period | 12 months |
| Pregnancy and Delivery Complication Limit (USD) | Routine maternity limit of $12,100 with additional $3,300 for emergency c-sections |
| Annual Plan Coverage Limit (USD) | $4,400,000 |
| Postnatal Coverage | Covered, additional $3,300 for c-section |
| Home Deliveries | Covered |
| Elective C-Sections | Covered |
| Multiple Births | Covered |
| Dental Coverage | Not Covered |
| Emergency Evacuation and Repatriation | Not Covered |
Salama April Dubai Maternity Insurance Options
Salama April Dubai offers affordable maternity insurance plans without a waiting period. The coverage limit of many of these plans is lower than other plans. Coverage for a 25-year-old female in Dubai starts at USD $116 per month for an annual limit of $200,000 and a $0 deductible.
Salama April Dubai’s least expensive plan with maternity coverage is the Core–Green plan. Additional plans are available from this insurance company with dental coverage and higher annual benefit limits in the UAE.
| Core–Green Plan Details from Salama April Dubai | |
| Coverage Area | UAE only (90-day coverage outside UAE) |
| Monthly Premium (USD) | $116 |
| Deductible/Copay (USD) | $0 |
| Waiting Period | No waiting period |
| Pregnancy and Delivery Complication Limit (USD) | $41,000 for life-threatening emergencies, $2,752 for routine and non-life-threatening emergencies |
| Annual Plan Coverage Limit (USD) | $200,000 |
| Postnatal Coverage | Up to 45 days of coverage |
| Home Deliveries | Not covered |
| Elective C-Sections | Covered |
| Multiple Births | Covered |
| Dental Coverage | Not covered |
| Emergency Evacuation and Repatriation | Covered |
Orient Insurance–Allianz Maternity Coverage
Orient Insurance-Allianz’s Select Pearl maternity plan in Dubai starts at USD $267/month, with no waiting period. It covers routine maternity (10% copay), emergencies up to USD $43,000, postnatal care, elective C-sections (limited), and multiple births, with an annual limit of USD 1,750,000.
| Select Pearl Plan from Orient Insurance–Allianz | |
| Coverage Area | Worldwide excluding USA |
| Monthly Premium (USD) | $267 |
| Deductible/Copay (USD) | 20% for general outpatient, 10% for routine maternity |
| Waiting Period | No waiting period |
| Pregnancy and Delivery Complication Limit (USD) | $43,000 for emergencies per year |
| Annual Plan Coverage Limit (USD) | $1,750,000 |
| Postnatal Coverage | Yes |
| Home Deliveries | Not covered |
| Elective C-Sections | Up to routine maternity |
| Multiple Births | Covered |
| Dental Coverage | Not covered |
| Emergency Evacuation and Repatriation | Emergency evacuation coverage only |
Sukoon Bupa Global Health Maternity Insurance
Sukoon Bupa’s Select maternity plan in Dubai starts at USD $430/month, with no waiting period in the UAE. It covers pregnancy complications up to USD $1,700,000 plus postnatal care, elective C-sections, multiple births, home deliveries, and evacuation.
| Sukoon BUPA Select Maternity Plan Details | |
| Coverage Area | Regional |
| Monthly Premium (USD) | $430 |
| Deductible/Copay (USD) | $0/20% |
| Waiting Period | 0 months in UAE/10 months outside UAE |
| Pregnancy and Delivery Complication Limit (USD) | $1,700,000 |
| Annual Plan Coverage Limit (USD) | $1,700,000 |
| Postnatal Coverage | Yes |
| Home Deliveries | Covered |
| Elective C-Sections | Covered |
| Multiple Births | Covered |
| Dental Coverage | Not covered |
| Emergency Evacuation and Repatriation | Covered |
Cigna Healthguard Maternity Coverage
Cigna’s Healthguard plan provides both inpatient and outpatient maternity benefits. In addition to hospital and childbirth services, the plan includes comprehensive prenatal and postnatal coverage, along with neonatal care for newborns.
Below are examples of maternity insurance benefits covered under Cigna’s prenatal care:
- Antenatal ultrasound scans
- Specialist obstetrician consultations
- Blood tests, ultrasounds, and other imaging procedures
Cigna also covers postnatal services following routine or complicated childbirth. If the newborn experiences illnesses, congenital conditions, or defects during pregnancy, these are included under neonatal care benefits.
Maternity Insurance Plans in Dubai: Comparison Overview
The table below compares maternity plans in Dubai from leading insurers featured above, helping you quickly evaluate which plan best fits your needs and budget.
| Provider & Plan | Coverage Area | Monthly Premium (USD) | Waiting Period |
| Bupa Global – World Health Options | Worldwide (excluding USA) | $321 | 24 months |
| William Russell – Silver Plan | Worldwide (excluding USA) | $412 | No waiting period |
| Arabia NOW Health – Apex Plan | Worldwide (excluding USA) | $739 | Waived in Dubai & Abu Dhabi; 12 months under certain conditions |
| IHI Bupa – IHHP Plan | Worldwide | $208 | 12 months |
| Salama April Dubai – Core–Green Plan | UAE only (90-day outside UAE) | $116 | No waiting period |
| Orient Insurance-Allianz – Select Pearl Plan | Worldwide (excluding USA) | $267 | No waiting period |
| Sukoon BUPA – Select Maternity Plan | Regional | $430 | 0 months in UAE / 10 months outside UAE |
Conclusion
Expats seeking maternity coverage in the UAE have a wide range of options to tailor their plans according to individual needs and budgets. Multiple reputable international health insurance companies offer flexible solutions to suit diverse requirements.
With over 25 years of experience, Pacific Prime has supported both expats and residents in finding health insurance plans that align with their budget and unique healthcare needs.
Whether you’re an expat in Dubai looking for maternity coverage or a local citizen exploring your options, our team of specialists is ready to provide impartial advice at no additional cost. Contact us today with any insurance questions or requests for a free quote.
At Pacific Prime, Grace focuses on simplifying complex concepts on international health insurance to make these topics easily accessible and understandable for our target audience. Being a Filipino born in Hong Kong, she understands the struggles of most immigrants and expats in finding the right insurance solutions while in another country. Her goal is to redefine most people’s perception of insurance, that it is an investment for one’s protection and future.
In her spare time, Grace is either at home or at Hong Kong Disneyland. She loves reading, watching movies and K-dramas, and attending dance classes.
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Comments
2 Comments
Are there any specific considerations for expats regarding maternity coverage when traveling outside the UAE during pregnancy? and What options are available for covering the costs of newborn care and vaccinations under UAE maternity insurance plans?
When traveling outside the UAE during pregnancy, expats with UAE maternity insurance should confirm whether their policy provides international coverage for prenatal care, delivery, or complications, as some plans may restrict coverage to within the UAE or specific regions. For newborn care and vaccinations, most comprehensive UAE maternity insurance plans, such as those offered by Cigna or Sukoon BUPA, include neonatal and postnatal benefits, but coverage limits and details (e.g., congenital conditions or routine vaccinations) vary significantly by insurer. Planning ahead by selecting a plan that aligns with both your prenatal and newborn care needs is essential, particularly given the waiting periods and coverage conditions.
For further assistance or to explore tailored maternity coverage options, feel free to contact us via our Contact Us page for impartial advice or a personalized quote.
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