MetLife Medical Care
Individual Medical Insurance in the UAE
MetLife Medical Care is health insurance for individuals and families living in the UAE, open to residents of any age. There are four plans, Premier Care, Privilege Care, Elite Care and Signature Care, with annual limits from AED 500,000 to AED 10 million. Plans cover inpatient and outpatient treatment, maternity, diagnostics and prescription medication, and include cover for pre-existing and chronic conditions. All plans meet Dubai Health Authority and Department of Health Abu Dhabi requirements.
Compare MetLife Medical Care plans
| Plan | Annual Limit | Pre-existing and chronic conditions | Preventive care, adult | Preventive care, child |
|---|---|---|---|---|
| Premier Care | AED 500,000 | Covered up to AED 150,000 | 1 flu and 1 pneumococcal vaccine a year | Covered |
| Privilege Care | AED 2,500,000 | Covered up to AED 150,000 (Dubai) or AED 250,000 (Abu Dhabi) | Covered up to AED 2,000 a year | Covered |
| Elite Care | AED 7,500,000 | Covered up to AED 500,000 | Covered up to AED 7,500 a year | Covered |
| Signature Care | AED 10,000,000 | Covered up to AED 1,000,000 | Covered | Covered |
Limits are per person, per policy year. See the table of benefits for full details, including co-payments, network and area of cover.
Not sure which plan fits? Talk to a MetLife advisor.
Why MetLife Medical Care
Cover starts straight away
You are covered as soon as your application is approved and your insurance certificate is issued.
Cover that travels with you
Choose worldwide as your area of cover and your plan continues if beyond the UAE.
Built-in protection benefits
A lump-sum cash payment if you are diagnosed with a covered critical illness or become disabled.
Maternity Coverage
Includes outpatient maternity visits, home birth and cover for your newborn.
Extended care benefits
Optical and dental care, hearing aids, dietitian consultations, rehabilitation, internal prosthetics, dialysis, and hospice or palliative care.
Preventive care and vaccinations
Health screenings and vaccinations, plus alternative medicine, with limits that depend on your plan.
How Does MetLife Medical Care Insurance work?
Any UAE resident can apply, from newborns up to age 99. You can cover yourself, or add your spouse and children to the same policy.
Your price depends on four things: the plan you choose, your age and health, your provider network and area of cover, and any optional benefits you add. Get a quote online to see your exact price.
Annual limits are AED 500,000 with Premier Care, AED 2.5 million with Privilege Care, AED 7.5 million with Elite Care and AED 10 million with Signature Care. Limits for pre-existing conditions, preventive care and other benefits also rise with each plan. See the comparison table above.
For most customers in Dubai and the Northern Emirates, no: your cover pays from your first claim. Some plans in Abu Dhabi have an annual deductible, which is an amount you pay yourself each year before the plan starts paying. The amount depends on the plan you choose.
A copayment is the share of a medical bill that you pay yourself. MetLife Medical Care pays between 70% and 100% of an eligible bill, so your copayment is between 0% and 30%, depending on the benefit and your plan.
Use myMetLife Plus, MetLife's customer portal and app. You can view your policy, submit and track claims, read health and wellness content and contact support, from your computer or phone.
Yes. Mental health treatment is covered under MetLife Medical Care. See the table of benefits for the limit on each plan.
Yes, if you choose it. You select your area of cover when you buy.
Yes. All four MetLife Medical Care plans are open to Golden Visa holders and retirees, with the same benefits and limits as for other UAE residents.
You can add your spouse and children as dependents on your policy. Domestic workers cannot be added.
Yes. All four plans cover pre-existing and chronic conditions, from up to AED 150,000 with Premier Care to up to AED 1 million with Signature Care.
Yes. Maternity cover includes outpatient visits, home birth and cover for your newborn. [Limit and waiting period per plan.]
Yes.
Coverage depends on the plan you choose.
Submit and track claims in myMetLife Plus.
MetLife Medical Care is the comprehensive range: four plans with annual limits from AED 500,000 to AED 10 million. The Essential Basic Plan is a separate entry-level plan for Dubai residents covering core medical needs.
Essential Basic Plan: entry-level cover for Dubai residents
The Essential Basic Plan is MetLife's entry-level medical plan for Dubai residents. It is separate from the four Medical Care plans compared above. It covers doctor visits within your network, inpatient and emergency treatment in the UAE, diagnostic tests, maternity, prescription drugs, physiotherapy and DHA mandatory vaccines.
From regular doctor visits to emergency services, from diagnostic tests to preventive care, our Essential Basic Plan will give you access to high-quality medical care at an affordable price.
Live in Dubai? You can buy the Essential Basic Plan online.
Buy the Essential Basic Plan online >
Live in Abu Dhabi? The Essential Basic Plan is for Dubai residents only. Abu Dhabi residents can apply for (Link to the other page)
What does the Essential Basic Plan cover?
Doctor visits within your selected network
Inpatient treatment in the UAE
Emergency treatment and hospitalization
Diagnostic tests
Maternity benefits
Prescription drugs
Physiotherapy
Preventive services: DHA mandatory vaccines and immunizations