Welcoming a new member to the family is a wonderful experience for anyone; one of those moments in life that people wait seemingly forever for. Therefore, it is important to be well prepared for this joyous experience
2 July 2019| Last updated on 15 July 2019
Costs related to maternity can be high, especially in Dubai, and unexpected situations can throw a curveball at you at anytime.
It is essential that those planning for a baby are able to get the best maternity package for themselves.
We at Pacific Prime Dubai want to make sure that you are fully prepared to go through your pregnancy with ease and get the best maternity insurance in Dubai for expats. Therefore, we have compiled the below 5 helpful tips for choosing the best maternity package in Dubai.
1. Check your current maternity insurance limits
According to the Dubai Health Insurance Law, health insurance is mandatory for all residents. While maternity coverage is also mandatory, the minimum legal requirement is not exactly comprehensive. Those with basic health insurance plans may find that their policy only covers a small number of hospitals, as well as feature many exclusions in its fine print.
Our advice is to check how much popular maternity treatments cost, and compare it with your current maternity insurance coverage. You might notice that your statutory maternity insurance barely covers the basic procedure costs at public hospitals only, and might not cover any other essential procedures such as certain types of prenatal care, postnatal care, and vaccinations.
2. Check what treatments are included in the package
Once you’ve sorted out the insurance side of things, it is time to shop around for the best maternity package.While having comprehensive health insurance that covers pregnancy will mean higher premiums, if you don’t have comprehensive coverage, most of your maternity costs will be coming out of your own pocket.
Most of the hospitals in Dubai offer maternity packages, however, the prices and treatments included might differ among facilities. For example, according to Pacific Prime’s ‘Dubai Maternity Insurance Guide 2018-2019’, prenatal treatments can cost from as low as AED 2,000 to as high as AED 8,000, depending on the hospital you visit, and the range of tests and ultrasounds you opt for.
Normal delivery can cost from around AED 2,000 to around AED 14,000, while the cost of C-section delivery starts at around AED 4,000, and can go up to AED 27,000. It is also vital to look at whether vaccinations are included in the maternity package, as this can come at a high price and is essential for your newborn.
3. Research hospitals and doctors
Doing research on the best doctors and hospitals is imperative, especially if you’re new to Dubai and can’t access any first-hand recommendations from other moms. We recommend that you visit the hospitals in person, talk to the specialists, and check out the facilities. By doing this, you will be able to get a much clearer idea of what to expect before deciding if that particular facility is a good match for you.
Visiting the hospital in person will also allow you to have face to face conversations with the OB/GYN, and learn more about the procedures.Additionally, you can see the suites and rooms,and also learn about each hospital’s different rules and restrictions. For example, some hospitals in Dubai do not allow the husband to stay the night with their wife, or will allow it only if they pay an extra fee. By personally going to visit a few hospitals, you can have a better idea of what to expect so that you can make a better-informed decision on which facility and doctor is best for your pregnancy
4. Choosing your hospital: public or private
Another thing to consider when choosing a maternity hospital is whether you want, or can afford it to be private, or public. In terms of the quality of treatment, both private and public hospitals in Dubai have highly qualified doctors and high medical standards.
Private hospitals will cost you more as they come with a wider range of comfortable amenities like state-of-the-art private suites, the ability to choose your leading doctor, and English speaking staff.
Public hospitals, on the other hand, are cheaper, but often have long wait times. While English is widely spoken in the Emirates, those from outside of the UAE who do not speak English fluently may encounter trouble communicating with public hospital staff.
What’s the cost difference?
The table below will give you an idea of how much it will cost to deliver a baby in a private vs public hospital. The examples used below root from American Hospital Dubai, a private hospital popular among expats, and Latifa hospital, a public hospital.
Ref: American Hospital Dubai
- Normal Delivery (AED): 11,950
- C-Section (AED): 22,950
Ref: Latifa Hospital
- Normal Delivery (AED): 7,000
- C-Section (AED): 10,000
Note: Prices may change without notice
5. Prepare for the unexpected
It is uncomfortable for any parent to think that something may go wrong with the delivery process, but the reality is that it might. As such,we highly recommend securing health insurance for newborns in Dubai. These policies are not always part of standard maternity insurance, so it’s also important to realize that unconditional acceptance only comes when you are holding a comprehensive policy. Adding a newborn to your existing policy will raise your premiums, but it will ensure that your baby has health insurance right after birth.
Contact Pacific Prime Dubai for advice
You can also contact us at Pacific Prime Dubai, where one of our advisors will help find the best maternity package in Dubai for you. You can also download our “Dubai Maternity Insurance Guide”; within you will find details on prices and expert advice on what to look for in a maternity insurance plan. If you have any further questions, visit Pacific Prime Dubai’s website where you can find answers to your insurance-related questions, obtain a free quote, and explore the best family health plan options for expats.