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Maternity insurance plans in the UAE for expats start at around USD 116 per month for a 25-year-old woman in Dubai. Many options include varying levels of coverage, waiting periods, and benefits such as postnatal care, elective C-sections, and coverage for pregnancy complications. Choosing a plan early is important, as some providers require waiting periods of up to 24 months before maternity benefits become available.
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Policies can be tailored to individual needs through international insurance brokers, allowing expectant mothers to compare premiums, benefits, and coverage areas. With options from providers like BUPA, William Russell, Now Health, April International, Allianz, and others, it is possible to find a maternity insurance policy that balances affordability with comprehensive care for pregnancy and childbirth in Dubai.
Top Maternity Insurance Providers in the UAE
UAE Maternity Insurance plans in Dubai are available from BUPA, William Russell, Now Health, April International, Alliaz, and their subsidiaries in the UAE. Plans come with and without a waiting period. Plans start at USD $116 monthly for a 25-year-old woman in Dubai.
Each maternity insurance provider offers multiple plans with variations in coverage and pricing. We will discuss the lowest-priced plan from each insurance provider. We used the free quotation tool from Pacific Prime to find cover options for a 25-year-old woman in Dubai.
BUPA International WHO Maternity Coverage
BUPA Intl WHO maternity plans start at $321 per month for a 25-year-old female in Dubai. Plans have a waiting period of 24 months. These maternity plans cover pregnancy complications up to the annual coverage limit when many plans have a lower cap on these benefits.
BUPA Intl World Health Options plan is the lowest-priced maternity insurance for a 25-year-old woman from BUPA Intl in Dubai. Additional plans are available with dental coverage and emergency evacuation and repatriation.
BUPA Intl also offers WHO plans with lower deductibles and higher annual coverage limits.
| BUPA World Health Options Plan Details | |
| Coverage Area | Worldwide excluding USA |
| Monthly Premium (USD) | $321 |
| Deductible/Copay (USD) | $3400 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 |
For a more accurate estimate of your costs including any additional family members, get a personalized free quote here.
William Russell Maternity Insurance Plans
DIC William Russell maternity insurance plans start at USD $412 monthly for a 25-year-old woman in Dubai with no waiting period. The annual limit for coverage is USD $2,500,000, but the pregnancy and delivery complication limit is USD $40,782.
DIC William Russell’s lowest-priced maternity insurance plan is the Silver Plan for a woman aged 25. Additional plans are available with dental coverage, emergency evacuation and repatriation coverage, higher limits, and lower deductibles.
| 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 |
This is only an estimation of coverage based on rates at the time of running the quotes. This estimate also does not cover any additional family members. You can get a more accurate free quote through Pacific Prime.
Arabia Now Health Maternity Coverage in Dubai
Arabia Now Health’s high-coverage, $0 deductible maternity insurance plans start at $739 per month for a 25-year-old woman in Dubai. The maternity plan covers dental and pregnancy or delivery complications up to the annual coverage limit of USD $4,500,000. The waiting period is 12 months.
Arabia Now Health’s most affordable plan with maternity insurance is the Apex Plan for a 25-year-old woman in Dubai. This plan offers the highest level of coverage of any of the base maternity plans from insurance providers.
| 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 6 weeks |
| Home Deliveries | Covered |
| Elective C-Sections | Covered |
| Multiple Births | Covered |
| Dental Coverage | Covered |
| Emergency Evacuation and Repatriation | Covered |
This quote is for information purposes only. It is not intended to represent final prices and plan details. For more information and help finding maternity insurance, contact an insurance expert at Pacific Prime.
IHI BUPA IHHP Maternity Plans
IHI BUPA IHHP maternity plans have a waiting period of 12 months. Plans offer coverage for at-home deliveries and elective c-sections. IHI BUPA IHHP maternity plans start at $208/month for a 25-year-old female in Dubai with an annual coverage limit of USD $2,500,000 and a $0 deductible.
IHI BUPA IHHP’s lowest-priced maternity insurance plan is the IHHP plan. Additional plans are available from this provider with higher coverage limits, lower deductibles, dental coverage, and emergency evacuation and repatriation coverage.
| 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 |
This is only a snapshot of plans available for insurance in Dubai, and prices and deals may fluctuate. For a clearer estimate of the premiums for your family’s needs, use this free insurance plan quotation tool.
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 |
This information about Salama April Dubai is for educational purposes only. You’ll need to obtain your own quote based on your family’s needs for a more accurate reflection of benefits and premiums.
Using an international insurance broker allows you to compare and customize plans at no additional cost to you. Contact an international insurance broker for details.
Orient Insurance–Allianz Maternity Coverage
Orient Insurance–Allianz maternity insurance plans start at $267 monthly for a 25-year-old woman in Dubai with no waiting period, but there is no coverage for at-home deliveries and limited coverage for elective c-sections.
The annual coverage limit for emergency pregnancy complications is USD $43,000.
Orient Insurance–Allianz’s least expensive maternity insurance plan for a 25-year-old woman in Dubai is the Select Pearl plan. Other plans are available with higher limits and medical repatriation coverage.
| 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 |
This information about Orient Insurance maternity plans is for educational purposes only. For additional information about international health insurance with maternity coverage, you can contact an insurance expert.
Sukoon BUPA Global Health Maternity Insurance
Sukoon BUPA Global Health maternity insurance plans have no waiting period within the UAE. Plans start at USD $430 monthly for a 25-year-old woman in Dubai with an annual coverage limit of $1,700,000. Pregnancy and delivery complications are covered up to the annual limit.
Sukoon BUPA Global Health’s lowest-priced plan for a 25-year-old woman in Dubai is the Select Plan. Plans with dental coverage are also available with this insurance provider.
| 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 |
This information about Sukoon BUPA Global Health maternity plans is for educational purposes only. You can find and compare health insurance quotes that more accurately reflect coverage for your family’s needs.
Cigna Healthguard Maternity Coverage
Cigna’s Healthguard plan offers inpatient and outpatient maternity benefits. Beyond providing hospital and childbirth services, this plan also offers pre and post-natal coverage as well as neonatal care services.
Below are some examples of maternity insurance benefits covered under Cigna’s prenatal care.
- Ante-natal ultrasound scans
- Specialist obstetrician consultations
- Blood tests, ultrasounds, or other imaging tests.
Cigna also covers postnatal services after a routine or complicated childbirth, if the mother needs it. Should the newborn suffer from any illnesses or congenital conditions and defects during pregnancy, Cigna also covers these under neonatal care.
Conclusion
Expats looking for maternity coverage in the UAE will have plenty of options to customize their coverage to reflect their insurance needs and budget. Plans are available through multiple quality health insurance companies with international plans.
As an international health insurance broker with over 20 years of experience, Pacific Prime has helped both expats and local citizens find an appropriate health insurance plan that suits not only their budget range, but also their unique health insurance needs.
Whether you’re an expat in Dubai in need of a maternity insurance plan or a local citizen yourself, our team of specialists will be more than happy to help you with impartial advice at no additional cost. Get in touch with us today if you have any insurance questions or get a free quote here.
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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