Answer a few questions about you and your visa, and we show every plan you qualify for.
Personal medical cover for working professionals and individual residents.
Plans for investor and partner visa holders in the UAE.
Cover for you, your spouse and children under one policy.
Cover for sponsored parents and elderly dependents.
Plans for Golden Visa holders in Dubai and Abu Dhabi.
Health insurance in the UAE is a financial safeguard that helps you manage medical expenses when you fall ill or face accidents. By paying regular premiums, you gain protection against costs related to hospitalisation, surgery, maternity and pediatric care,emergency and day-care treatments, as well as pre- and post-hospitalisation services. With eSanad, you can compare health insurance plans,get instant online quotes, and enjoy a completely paperless experience—fast, secure, and tailored to your needs.
You need health insurance for several important reasons
Health insurance is a legal requirement for residents in Dubai and Abu Dhabi, and sponsors are responsible for making sure their dependents have valid cover. We provide Essential Benefit Plans (EBP) that meet DHA and DOH mandates, as well as comprehensive medical cover to protect you and your dependents.
Protect yourself from unexpected medical bills by choosing a plan that helps you avoid high out-of-pocket costs during illness or accidents.
With medical expenses increasing at a rapid pace, having health insurance ensures that you stay financially prepared to handle them.
Coverage can include benefits for chronic or critical illnesses, helping you stay financially secure during the most critical moments.
Health insurance is a safeguard that helps you manage the costs when you fall ill or face accidents. You pay regular premiums, and in return, eSanad helps cover expenses for hospitalisation, surgery,
Health insurance is a safeguard that helps you manage the costs when you fall ill or face accidents. You pay regular premiums, and in return, eSanad helps cover expenses for hospitalisation, surgery, day-care treatments, pre- and post-hospitalisation care, and other medical costs depending on the plan you choose.
You need health insurance for several important reasons:
Coverage for hospitalisation (illness/accident/critical illness) including surgeries and day-care procedures.
Pre- and post-hospitalisation expenses covered as per plan.
Optional benefits like organ donor cover, mental health hospitalisation, home hospitalisation/domiciliary care where relevant.
Wallet / restoration of sum insured benefit in certain plans (e.g. if your base cover is used up, additional backup cover kicks in).
No room rent capping in some plans or flexible room rent options.
Reduction of premium / discounts for healthy lifestyle, family floater option, or when availing services from network hospitals.
What’s Covered & What’s Not
You need health insurance for several important reasons
Simple, fully online process: from buying to renewing to making claims—all digital.
No age-based / zone-based co-payment (if applicable) depending on plan.
Flexibility in choosing hospital room options.
Wellness perks: preventive care, telemedicine, health check-ups, mental health support.
Wide cashless hospital network.
Transparent policy terms, and good claim settlement history.
Because we make health protection simple, transparent, and reliable. From easy online processes to guided claim support, eSanad is committed to making healthcare affordable and accessible for everyone. Customers choose us for our wide hospital network, honest policies, and customer-first approach.
Clear prices from multiple insurers, no hidden clauses, and clear terms and conditions.
Add-ons and riders tailored to your needs.
Wide list of hospitals and clinics across the UAE for cashless treatment.
Easy online purchase, renewals and claims, with your policy issued digitally.
From hospitalisation to wellness care.
High coverage at reasonable premiums.
Chat with Sanad AI or connect with our licensed advisers for personalised advice.
Visit eSanad website or app.,
Visit eSanad website or app.
Enter basic details (age, family size, health history) to compare plans.
Complete medical/health declarations. If required, undertake medical tests.
For renewals, follow similar process; ensure you renew on time to keep cover in force.
Make payment; policy document will be issued digitally.
Visit eSanad website or app.,
Enter basic details (age, family size, health history) to compare plans.,
Complete medical/health declarations. If required, undertake medical tests.,
For renewals, follow similar process; ensure you renew on time to keep cover in force.,
Make payment; policy document will be issued digitally.,
Age & health status
Sum insured chosen
Add-ons / riders selected
Type of plan (individual / floater / senior)
Your location (cost of medical care there)
Lifestyle factors (smoking, pre-existing conditions)
Type of plan (individual / floater / senior)
Waiting period and any co-payment or deductible
In case of hospitalisation, inform eSanad as per policy norms.
For cashless claims, use network hospitals and submit required documents (identity, policy, estimates, hospital bills).
For reimbursement claims (non-network), pay and later submit bills, prescriptions etc for reimbursement.
Track status via app/website/helpline.
Filing a health insurance claim with eSanad is simple. For cashless claims, visit any network hospital and show your insurance card — the hospital handles the rest directly with the insurer. For reimbursement claims, pay upfront, then submit your medical bills and documents through eSanad. Our team reviews and processes your claim quickly, keeping you updated at every step. Whether it's a routine checkup or an emergency, we make sure you get the coverage you're entitled to without the hassle.
Claim is initiated by you or the hospital.
Verification of documents by eSanad.
Process Complete & Settlement
After approval, payout is made (for reimbursement) or benefits settled (for cashless network hospital).
Keep premium payments up to date.
Follow waiting periods.
Disclose your full medical history and submit all required documents correctly.
Follow doctor’s recommendations and policies' terms.
Use network hospitals where cashless is applicable.
Tax Savings through Health Insurance
Premiums paid for health insurance may qualify for deductions under applicable tax laws. Coverage for parents may also bring additional benefits. Check local regulations for exact tax relief available.
An ideal health coverage should take care of hospitalisation, medicines, diagnostics, daycare treatments, and emergency needs without leaving you financially strained.
Consider your age and health condition.
Think about family members you want to cover.
Look at city of residence medical costs are higher in metros.
Factor in future healthcare inflation.
Choose a cover amount that gives peace of mind, not just the bare minimum.
Choose a coverage limit based on your healthcare needs, hospital network and the policy terms. Review the annual limit, sublimits and exclusions before selecting a plan.
Our health insurance experts recommend choosing coverage that matches your age, lifestyle, medical history, and future risks. With eSanad, you get flexible plans designed for every stage of life.
Buy early for lower premiums and to get waiting periods behind you. Opt for affordable individual or family floater plans if you are newly married.
As responsibilities grow, consider a higher sum insured and critical illness cover to protect your family from major financial shocks.
Choose plans designed with age-related benefits, higher hospitalisation cover and protection for pre-existing medical conditions.
Keep dependents covered.
Add riders if needed.
Always review your coverage before renewal.
Buy early for lower premiums.
Assess healthcare needs – consider dependents, illnesses, lifestyle.
Decide on sum insured – factor in inflation and future risks.
Check waiting periods for pre-existing and specific illnesses.
Look at cashless hospital network near you.
Review add-ons – like maternity, wellness, or critical illness.
Compare premiums vs benefits – choose long-term value, not just lowest price.
Ensure lifelong renewability for continuous coverage.
Our policyholders value the ease of buying, renewing, and claiming with eSanad. Many have shared how our cashless network and quick claim approvals provided them peace of mind during emergencies.
Understand Your Needs
Check your family size, age group, and lifestyle.
Decide on the Coverage Amount
Factor in healthcare inflation and future risks.
Compare Plans
Look at inclusions, exclusions, waiting periods, the claim process and the insurer's claim settlement record.
Check Hospital Network
Ensure your preferred hospitals are part of eSanad’s network.
Review Premium Affordability
Balance between comprehensive cover and sustainable premiums.
Look for Add-Ons
Riders like critical illness, maternity, or personal accident can enhance your plan.
Ensure Renewability
Lifelong renewability is key to staying covered in older age.
Always read policy exclusions carefully before buying.
Ensure add‑ons for unique risks (maternity, top‑up, critical illness).
Review cashless hospital network.
Check if the plan has room rent limits or sub‑limits on procedures.
Look for waiting periods on pre‑existing and specific diseases.
Compare sum insured vs premium to see best value.
“Don’t just look at the premium—look at the value. A slightly higher premium that covers critical illness or organ donor expenses is better than a cheaper plan that leaves gaps in protection. Always ensure the sum insured is adequate for your family’s future healthcare needs.”
Visit eSanad website
Enter your details (age, family size, health history).
Compare plans by price, network and benefits.
Make the payment online.
Get instant policy issuance
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Medical Reports (if required)
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Age Proof
Medical Reports (if required)
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Success Insurance Services L.L.C. (eSanad): Licensed insurance broker in the UAE, regulated by the Central Bank of the UAE (CBUAE), License No. 273.
Holder of Health Insurance Intermediary Permit (HIIP) from the Dubai Health Authority, Intermediary ID: BRK-0017.
Authorized by the Department of Health – Abu Dhabi (DOH), Certificate No. 80.
Registered member of the Emirates Insurance Federation, Membership No. B1508.
Licensed member of the Abu Dhabi Chamber of Commerce and Industry (ADCCI), No. 258509.
'eSanad' is a registered trademark of Success Insurance Services L.L.C., certified by the UAE Ministry of Economy & Tourism.
Insurance services provided exclusively through licensed UAE insurers. Subject to policy terms and conditions.
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