UAE insurer profile
Fidelity United Insurance
Est. 1976 · Dubai · DHA regulated
Dubai-based insurer since 1976 with strong local market knowledge. Fidelity United Insurance offers 2 health insurance plans in the UAE, accepted by 5,501 healthcare providers across 8 cities. Data cross-referenced with the UAE Open Healthcare Directory.
At a glance
Key facts.
- Dubai-based insurer since 1976 with strong local market knowledge
- Specialises in group health insurance for Dubai employers
- Known for fast claims processing and personal service
- Focus on Dubai market with competitive small-group plans
Coverage matrix
Coverage at a glance.
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| Fidelity Basic Health | Basic | AED 2,300 – 4,200/yr | AED 150,000 | 20% | — | — |
| Fidelity Corporate Health | Enhanced | AED 5,000 – 10,500/yr | AED 500,000 | 20% | ✓ | ✓ |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Plan catalogue
Insurance plans.
Fidelity United Insurance
Fidelity Basic Health
Small businesses in Dubai meeting DHA mandatory requirements
AED 2,300 – 4,200/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
5,501 providers
View details →Fidelity United Insurance
Fidelity Corporate Health
Corporate employees in Dubai
AED 5,000 – 10,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
5,501 providers
View details →Who accepts this
Provider network.
Providers by City
Top Specialties in Network
The claims flow
How claims work with Fidelity United Insurance.
Direct billing. Present your Fidelity United Insurance insurance card at any in-network provider. The clinic or hospital bills Fidelity United Insurance directly — you pay only your applicable co-pay (20%–20% outpatient) at the point of care. No paperwork required.
Reimbursement claims. For out-of-network or emergency treatment, collect itemised invoices and medical reports, then submit via fidelityunited.ae or call 04-263-2444. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact Fidelity United Insurance at least 48 hours in advance.
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View plansCompare Fidelity United Insurance with other insurers
Side-by-side plan comparison across all 38 UAE insurers
Questions
About Fidelity United Insurance.
Fidelity United Insurance Insurance — FAQ
What health insurance plans does Fidelity United Insurance offer in the UAE?
Fidelity United Insurance offers 2 health insurance plans in the UAE: Fidelity Basic Health, Fidelity Corporate Health. Plans range from AED 2,300 – 4,200/yr to AED 5,000 – 10,500/yr annually.
How many healthcare providers accept Fidelity United Insurance insurance?
According to the UAE Open Healthcare Directory, 5,501 healthcare providers across 8 UAE cities accept Fidelity United Insurance insurance. This includes hospitals, clinics, dental practices, and specialist centers.
Does Fidelity United Insurance cover dental and maternity?
Dental and maternity coverage depends on the plan tier. Yes, Fidelity United Insurance's enhanced and premium plans include dental coverage. Maternity is covered with waiting periods ranging from 10 to 12 months.
Is Fidelity United Insurance the UAE healthcare regulator or HAAD compliant?
Fidelity United Insurance is regulated by DHA. The UAE healthcare regulator (Dubai) compliance means all plans meet the Essential Benefits Package required for Dubai residents and workers.
How do I file a claim with Fidelity United Insurance?
To file a claim with Fidelity United Insurance, call their claims line at 04-263-2444. For direct billing, simply present your Fidelity United Insurance insurance card at any in-network provider — the clinic or hospital settles directly with the insurer. For reimbursement claims (out-of-network or emergency), submit itemised invoices, a completed claim form, and your doctor's report within 90 days of treatment via fidelityunited.ae or by post to their Dubai office.
What is the cheapest Fidelity United Insurance plan?
The most affordable Fidelity United Insurance plan is the Fidelity Basic Health (Basic tier), starting from AED 2,300 – 4,200/yr annually. It covers inpatient, outpatient, maternity with a 20% outpatient co-pay and an annual limit of AED 150,000.
Does Fidelity United Insurance have a mobile app for claims?
Fidelity United Insurance offers digital claims submission through their member portal at fidelityunited.ae. Most major UAE insurers, including Fidelity United Insurance, provide a mobile app or online portal where members can submit reimbursement claims, view policy documents, check coverage limits, find in-network providers, and download tax invoices. Download the Fidelity United Insurance app from the App Store or Google Play, or log in via their website to access self-service claim tools.
Disclaimer. Plan details and premiums are indicative. Obtain a personalised quote from Fidelity United Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.