Union Insurance

This page summarises 2 indicative Union Insurance plan tiers compiled by Zavis (Union Basic Health, Union Enhanced Health), with indicative annual premiums from AED 2,300 – 4,200/yr to AED 5,000 – 10,500/yr. They are not Union Insurance's published plan list or prices, so ask Union Insurance or an authorised broker for its current plans and a quote.

1,691 healthcare providers in 8 UAE cities list Union Insurance as an accepted insurer in the UAE Open Healthcare Directory. Network counts come from the insurance lists on each listing, so confirm with the provider that your plan tier is accepted before you book.

Dental and maternity coverage depends on the plan tier. Yes, Union Insurance's enhanced and premium plans include dental coverage. Maternity is covered with waiting periods ranging from 10 to 12 months.

Union Insurance is regulated by DOH and DHA. Its plans sold in Dubai must meet the Essential Benefits Package required for Dubai residents and workers. Oversight in Abu Dhabi means its plans there must meet the emirate's mandatory Thiqa and basic scheme requirements.

To file a claim with Union Insurance, call their claims line at 02-677-5050. For direct billing, simply present your Union 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 unioninsurance.ae or by post to their Dubai office.

The most affordable Union Insurance plan is the Union 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 200,000.

Union Insurance offers digital claims submission through their member portal at unioninsurance.ae. Most major UAE insurers, including Union 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 Union Insurance app from the App Store or Google Play, or log in via their website to access self-service claim tools.