Maternity Insurance UAE: A Complete Guide for Expecting Parents

The journey of pregnancy is beautiful. However, with happiness also comes a sense of responsibility, especially in terms of finances. In the UAE, healthcare and maternity-related medical costs can be quite high. Hence, maternity insurance is essential. From doctor consultations to delivery and postnatal care, the ideal policy ensures you can focus on your beautiful journey and not on hospital bills.

Let's now understand maternity insurance UAE in detail. This includes policy coverage, waiting periods, exclusions, and other crucial information.

Importance of Maternity Insurance

Medical Insurance with maternity cover, you get several perks like multiple medical visits, diagnostic scans and tests, hospitalisation, and even accommodation for a family member during your hospital stay after delivery.

This type of health insurance plan covers these expenses and protects you from unexpected financial stress. You get access to quality healthcare, experienced doctors, and well-equipped hospitals without worrying about the related costs.

In fact, the coverage is not just limited to the mother. It also covers the newborn for the first 30 days after birth. Hence, you remain stress-free about your baby's well-being.

Maternity Health Insurance Coverage

The coverage under pregnancy insurance may vary depending on the insurer and plan, but the common ones are —

• Antenatal check-ups and consultations
• Routine pregnancy scans and diagnostic tests
• Normal delivery expenses
• Caesarean section (C-section) delivery
• Hospital room charges
• Pre- and postnatal care
• Medical complications during pregnancy

It's important to review the policy wording carefully, as coverage limits and sub-limits may apply to specific services.

Factors to Consider Before Buying Maternity Health Insurance

You must choose the right pregnancy insurance UAE carefully. Here are the most important factors to think about —

Limit Of the Coverage

Read the fine print of the chosen policy carefully and check the maximum coverage for maternity-related expenses. Some plans have separate caps for normal delivery and C-sections.

Waiting Period

Maternity coverage in health insurance may come with a waiting period before benefits can be claimed. Hence, make sure you plan in advance.

Type of Delivery Covered

Check whether the policy covers both normal and caesarean deliveries. This is because C-sections are significantly more expensive.

Hospital Network

It is important to review your policy document to know if your preferred hospital is included in the insurer's network. This can be handy when you have to make cashless claims.

Policy Tenure and Waiting Period of Maternity Insurance UAE

One of the most critical aspects of pregnancy insurance UAE is the waiting period. Generally, maternity coverage in health insurance has a minimum waiting period of 6 months. In some cases, it may extend up to 12 months or even longer, depending on the policy you choose.

Another thing is that you cannot buy a policy after pregnancy is confirmed and expect immediate coverage. Policy tenure lasts for one year and must be renewed annually.

Thus, it's good to get medical insurance coverage before planning a pregnancy.

Coverages and Exclusions Of Maternity Insurance

Let's understand what is covered and what is excluded under maternity health insurance in the UAE —

Common Coverages

• Doctor consultations during pregnancy
• Blood tests, ultrasounds, and scans
• Hospitalisation and delivery charges
• Anaesthesia and operation theatre costs
• Pregnancy-related complications

Common Exclusions

• Pregnancy confirmed before policy purchase
• Infertility treatments
• Cosmetic procedures
• Non-medical expenses
• Deliveries outside the policy coverage limits

Network Hospitals

When you seek medical consultations and treatment at a network hospital, your insurer allows you to make cashless claims. This means you don't have to pay upfront and wait for reimbursement.

So, whenever you choose maternity insurance UAE, make sure that —

• Your preferred hospital is part of the network
• The hospital has a good maternity department
• The location is convenient for regular visits

Going cashless means smoother claims and better healthcare access throughout pregnancy.

How to Choose Pregnancy Insurance Dubai?

Selecting the right pregnancy insurance doesn't have to be confusing. All you need to follow a few steps to get the most suitable plan —

1. Plan Early – Always make sure you buy maternity insurance before pregnancy. This can help you avoid the waiting period.
2. Compare Plans – Review multiple insurers and compare their coverage, limits, and premiums.
3. Check Hospital Access – Go through the policy wording carefully to know if your preferred hospital is included in the chosen plan.  
4. Understand Sub-limits – Read policy fine print to know if there are any caps on room rent, delivery type, and tests.
5. Seek Expert Advice – Insurance experts or comparison platforms can help you find the most suitable plan based on your budget and health requirements.

In a Nutshell

Maternity insurance UAE financially supports expecting parents by covering essential medical expenses related to pregnancy and childbirth.

An in-depth understanding of coverage details, waiting periods, hospital networks, and other crucial pieces of information can help you out. Another thing to keep in mind is early insurance purchase planning. This is because maternity coverage has a waiting period of at least 6 months.  

While all such details can help, you can still get confused while choosing the best health insurance for maternity. This is where a platform like Policybazaar.ae comes in. Hosting the top plans from the leading insurers and an expert team to resolve all your queries, you can find truly tailored coverage — all in just a few clicks.