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UAE Travel Insurance

A Quick Guide on Travel Insurance for UAE

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    Your premium is Rs.

    Above Premium includes 18% GST

    I

    93%

    Claim Settlement Ratio (OND 2018)

    II

    8350 +

    Network Hospitals across 500 cities

    III

    400 Lacs+

    lives covered

    UAE Travel Insurance

    Your visit to the United Arab Emirates, an enchanting and enigmatic location, is sure to take your travel experience to a whole new level. You will find the world’s most iconic skyscrapers, the remarkable palm-shaped islands and luxurious shopping hubs in this magical land of the vast Arabian Desert.

    However, any trip overseas exposes you to unknown risks and uncertainties. It is never easy to rule out the possibility of a medical emergency. Although the country has advanced healthcare facilities that allow tourists to get immediate medical care during an emergency, the costs are higher. A travel insurance plan for UAE will keep you financially safe and worry-free about any travel-related inconveniences. 

    Moreover, while we always hope nothing goes wrong on a trip, incidents like loss of passport or luggage, or trip delays may happen unexpectedly. A travel insurance cover will also protect you in such situations. 

    As you witness the towering Burj Khalifa in Dubai, explore the heritage centres in Sharjah and experience delightful adventures in the sand dunes of Abu Dhabi, your travel policy will safeguard you against emergency expenses you might incur. Thus, before you indulge in countless travel escapades in the UAE, make the right choice to secure your trips with UAE travel insurance that will give you financial comfort.

    Is UAE Travel Insurance Mandatory?

    The United Arab Emirates (UAE) has made travel insurance a mandatory requirement for foreign visitors and tourists. As per the Government of UAE, foreign visitors must have UAE travel insurance policy in order to obtain a visit visa.

    Besides an obligation, getting a travel insurance policy is advantageous for travellers. The costs of medical treatment in the country can be expensive. The policy has a crucial role in providing a financial cushion when you may incur unexpected medical expenses. Even during a non-medical exigency like flight delays, your travel policy offers you defined coverage.

    Quick Facts About UAE

    Capital

    Abu Dhabi

    Official Languages

    Arabic

    Currency

    UAE Dirham (AED)

    Country calling code

    +971

    Modes of transportation

    Taxis, Buses, Metro and Tram

    Time difference

    1 Hour and 30 Minutes behind Indian Standard Time

    International Airports

    Dubai International Airport, Al Maktoum International Airport, Al Ain International Airport, Fujairah International Airport, Ras Al Khaimah International Airport, Sharjah Airport

    Benefits of UAE Travel Insurance 

    Unforeseen events can occur anywhere and at any moment when we least expect. The risks are higher when you are travelling. Getting a comprehensive overseas travel insurance plan will save you from a financial impact during any medical or non-medical emergency you might face in a foreign land. Some of the significant benefits of a UAE travel insurance policy include:

    • Comfort: With a travel insurance plan for UAE, any traveller, especially senior citizens and students, can avoid experiencing the stress of travelling.
    • Saves you during a Medical Emergency: The travel plan keeps you secured and helps you access immediate medical attention in a medical emergency, including accidental hospitalization. 
    • Compensation in case of Mishaps: The policy provides compensation to the nominee in case of the insured person’s uncertain death. It gives coverage for mishaps like accidental death, disability, and repatriation to the home country.
    • Covers you in other Contingencies: The UAE travel insurance policy covers the unexpected expenses in case of trip delays/ cancellations and loss of belongings and documentation. 
    • Multi-Trip Policy: Frequent flyers can avail of the multi-trip travel policy and stay free from any hassle.
    • Cashless Claim Settlement: The travel cover keeps you worry-free even during an emergency as you can get the cashless claim facility. 
    • Region-specific Travel Plans: Our region-specific customised international travel insurance plans provide adequate protection, allowing you to be worry-free about all travel risks.

    Things to Keep in Mind While Selecting Travel Insurance for UAE

    Make an informed decision on choosing the right travel cover for your trip to the UAE. Here are the essential points you must remember:
    • Trip Duration: As you prepare your travel budget considering how long your trip will be, similarly, you can customise the UAE travel insurance plan based on your trip duration. A travel plan for a short one-month stay in the country will not cost as much as that for a 6-month long trip. 
    • Nature of Your Trip: If you plan a holiday or an adventure trip, check if there are optional benefits like adventure sports cover. If there are higher travel risks, ensure the travel plan gives you adequate coverage. 
    • Check the coverage: Review the policy inclusions and understand the features. Our overseas travel insurance for UAE includes maximum benefits at an affordable premium. Go for a multi-trip policy if you plan to visit the country frequently. 
    • Review the Exclusions: Avoid situations when you suddenly realise that your travel plan does not cover certain expenses you assumed it would. Thus, it is necessary to read the policy exclusions. 
    • Know the Claims Procedure: Be aware of the claims procedure, including the steps to notify the insurer. Keep vital contact information ready with you that will save crucial time. Also, check whether you can get cashless treatment in the destination where you are heading. 

    How to Choose the Best Travel Insurance for UAE Online?

    You can now get a travel cover through a highly simplified online process. Yet, it can be challenging to select a travel cover with so many options available online. To make the right decision, assess your trip and choose a policy that fulfils your travel needs in the best way possible. Consider different factors, including your trip duration. Use a digital travel insurance premium calculator online to compare and review the policies. You can modify the factors, and the premium will vary accordingly.
     
    Here are the steps to get a travel policy online:
    • Visit our official website and select overseas travel insurance for UAE
    • Get a quote by entering relevant details
    • Provide the required information and customise your policy 
    • Pay the premium using a secure digital payment mode
    We will send the policy documents on your registered e-mail ID. 

    Eligibility for UAE Travel Insurance 

    The eligibility* criteria for an international travel insurance plan will depend on the type of plan you have chosen for your trip. Check the eligibility below:
     
    Travel Insurance Plans Eligibility Criteria
    Explore - International Travel Insurance The minimum entry age is one day.
    The age of a proposer is minimum 18 years or above.
    The maximum entry age for an adult is as specified in the plan.
    Student Explore – Student Travel Insurance The minimum entry age is 12 years.
    The maximum entry age is 40 years.

    >>Check: International Travel Insurance

    What is Covered in UAE Travel Insurance?

    We list all the major medical and non-medical benefits covered in the UAE travel insurance policy.

    • Emergency Hospitalization Cover: The travel insurance for UAE provides emergency hospitalization cover, including in-patient & out-patient care, and accidental hospitalization.
    • Pre-existing Diseases: The travel plan will provide coverage for treating pre-existing diseases if it is a life-threatening condition.
    • Common Carrier Accidental Death: The travel policy will provide a lump sum payout in case of the insured person’s unfortunate accidental death on a common carrier/transport.
    • Trip delays, interruptions, and cancellations: The policy reimburses the expenses incurred by the policyholder in unforeseen circumstances like trip delays, interruption, or cancellation.
    • Loss of travel documents: The policyholder is entitled to get a specified coverage for loss of travel documents, like passport and international driving license. 
    • Delay/ Loss of Checked-In Baggage: The travel cover will also reimburse expenses due to loss of checked-in baggage or delays in receiving the luggage, up to a specified amount. 
    • Up-Gradation to Business Class: The insured will receive coverage for expenses towards up-gradation to business class, and the claim is admissible under in-patient care.
    • Automatic Trip Extension: The policy includes automatic trip extension up to 7 consecutive days for your extended trip in the country.

    What is Not Covered in UAE Travel Insurance Plan?

    The policy mentions some scenarios where you will not be eligible to file a claim on your travel policy. They include expenses as a result of:

    • Treatment for HIV/AIDS or any other transmitted disease
    • Self-inflicted injury attempted suicide or suicide
    • Undertaking hazardous activity, the influence of drugs or alcohol, consequences arising due to war or nuclear perils, ionising radiation or contamination due to the same
    • Professional services offered by the insured
    • Involvement in business activities, ownership of any aircraft, watercraft, motor vehicle or other vehicles
    • Liability arising from any infringement of intellectual property rights like patent, copyright, and trademark
    • Any wrongful detention, false arrest, wrongful eviction, defamation or mental trauma and shock resulting from such situations
    • Liability arising from the possession of animals, insects, bird, and reptiles and their byproducts
    • Involvement in Breach of Law
    • Personal liability towards another individual, whether personal, official or commercial

    Premium for UAE Health Travel Insurance 

    Opt for our UAE travel insurance plan that has an affordable premium. The actual premium amount depends on factors viz. the number of travellers, their age, pre-existing health conditions, destination, trip duration, the sum insured, and the type of coverage selected. Use our online travel insurance premium calculator to compare different premium amounts and customise your policy to get an affordable cover.

    Let take an example of a solo traveller, a male aged 30 years, without any pre-existing medical condition. If he opts for a single-trip UAE travel insurance plan for a trip duration of one month, then the average premium* would be approx. Rs 913, including GST @ 18.

    What are the Types of UAE Visas?

    Based on the purpose of your visit, you can avail the following visas for your UAE trip:

    • Tourist visa: International tourists are required to obtain this visa if they are not eligible to get visa-free entry or visa on arrival. This visa can be issued for 30 days or 90 days and for single entry or multiple entries. A refundable security deposit must be paid.
    • Student Visa: Foreign international students planning to study in the UAE must avail the student visa. It is valid for a duration of one year and can be renewed basis the official proof from the relevant higher educational institute.
    • eVisa for GCC residents: Residents of GCC (Gulf Cooperation Council) countries and those accompanying them may obtain a visa online before arriving in the country.
    • Employment Visa: In order to obtain a work permit, you must be sponsored by your employer who will be responsible for sending the work permit to you. The Embassy will not provide any assistance.
    • Transit Visa: Tourists travelling to another country via the UAE can get a transit visa. There are two types of transit visas - one gives free access for 48 hours and another visa with validity of 90 hours and cost of AED 50.

    Visa Procedure for UAE

    The UAE Embassy does not issue any tourist visas on ordinary passports. Indian Nationals, except those holding Diplomatic and Official Passports, must approach the Emirates Airlines/Air Arabia Office, a hotel in the UAE at the time of booking or a travel agency in India.

    The documents required for visa application include:

    • Colour photograph of the applicant
    • Colour copy of passport with a validity of at least three months
    • Original application form
    • A copy of the Emirates ticket

    There is also a visa fee that must be paid. It takes around 3 to 4 working days for processing the visa. Click to check Visa Free Countries for Indians

    A Guide For Your UAE Travel

    The country is home to the most expensive cities globally, viz. Dubai and Abu Dhabi. Plan accordingly for high expenses on food, accommodation and leisure activities.

    The country has a subtropical-arid climate with hot temperatures in summers and warm winters. The ideal time you can visit the country is between November and March.

    Travelling around the city will be smooth as there is efficient connectivity through Buses, Taxis, Metro, Monorail, and Tram. The fares of public transport services are reasonable, with a minimum of 6 to 8 AED per trip.

    The local people are hospitable. Yet, there are social etiquette and customs you may have to know. So, familiarise yourself with the traditions and religious beliefs.

    >> Also Read: 5 Things to Know Before and After Arrival in Dubai

    Top Places to Visit in UAE

    • Burj Khalifa: Feel on top of the world; visit the Burj Khalifa in Dubai - an engineering marvel. An enormous structure with shimmering facades, it has been aesthetically designed to offer mesmerising city views and stunning ambience for visitors.
    • Dubai Mall: Recognised as one of the largest malls in the world, visit the Dubai Mall for an ultimate shopping experience. It encloses over 1200 high-end stores and dozens of restaurants, cafes and cinema theatres.
    • Al-Bidyah Mosque: Situated in Fujairah, this is the oldest existing mosque. A major attraction for tourists, visit this place to discover the charm and enigma of the city.
    • Palm Islands: The noteworthy artificial islands of the UAE, visit the palm-tree shaped island - Palm Jumeirah - known for its luxury resorts, plush restaurants, waterparks, and beach clubs.
    • Ras al-Khaimah: If you seek to know more about the country’s deep history, visit Ras al-Khaimah to watch the spectacular landscapes, beaches, and centuries-old structures.

    The UAE is a federal state and comprises seven emirates, namely Abu Dhabi, Sharjah, Dubai, Umm Al Quwain, Ras Al Khaimah, Ajman, and Fujairah. It shares its boundaries with three other Middle East countries, namely Oman, Qatar, and Saudi Arabia. 

    The sun-scorched deserts, mountains, valleys, oases, and impressive beaches reflect the unique biodiversity of the land. The UAE is home to world-class cities that are regarded for their generous hospitality and fascinating culture. Experience extravagance in its truest sense and enjoy your international trip to the UAE to redefine luxury holidays.

    *Disclaimer: Please read the policy T&C, brochure, and prospectus to know more about our travel insurance plans. The premium amount may vary based on age and other factors. T&C applied.

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