What Are The Benefit Options for Maternity Insurance in Dubai? | ExpatWoman.com

What Are The Benefit Options for Maternity Insurance in Dubai?

While Dubai boasts one of the most comprehensive healthcare systems in the world, parents-to-be still need very thorough planning ahead to start a family here

Posted on

9 December 2018

Last updated on 12 December 2018
What Are The Benefit Options for Maternity Insurance in Dubai?

This is especially true if you are an expat in Dubai.

Soon you will realize that almost everything costs money, from new baby’s clothes, nursery room decorations, to prenatal checks and finding the best hospital in Dubai to give birth in.

To that end, getting the right maternity insurance plan to safeguard your family against potential financial troubles is imperative.

In light of this, our friends over at Pacific Prime Dubai have curated a comprehensive guide on maternity insurance in Dubai for parents-to-be, which leverages their extensive experience in the market and vast knowledge of the local insurance system. This feature serves as a brief lowdown on some of the key takeaways from the guide.

What can you find in our Dubai Maternity Insurance Guide?

Our Dubai Maternity Insurance Guide is an informative yet easy-to-digest resource for both new and present parents. It aims to help those planning for a new addition to the family make informed decisions in regards to addressing the costs of pregnancy, labor, delivery, and more in Dubai.

The guide also provides answers to some of the most commonly-asked questions on the subject, including:

  • How much does it approximately cost to deliver a baby in Dubai?
  • What are the most common maternity-related expenses?
  • What may contribute to price differences in the overall cost of maternity?
  • What does maternity insurance usually cover?
  • What are some additional benefits that parents-to-be can consider?

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Cost of maternity care in Dubai

Armed with state-of-the-art medical facilities, and some of the world’s best doctors and surgeons, it is not hard to understand why medical costs in the Emirate are so high. That’s where a maternity insurance solution comes in handy, as a well-structured plan can cover most, if not all, of your maternity-related expenses.

Prenatal expenses

Even though you may have given birth before, that doesn’t mean that you won’t need checkups prior to delivery. While all pregnant women need to use these services, the medical community hasn’t reached a consensus as to how much the cost should be.

Hence, the prices and features of various antenatal packages around Dubai differ greatly from AED 2,000 to 8,000 or more. And even for packages within the same medical facility, the duration and regularity of the care, as well as the particular tests included, may also contribute to price differences.

Post-natal services

The cost of post-natal services should be minimal provided that labor and delivery all goes smoothly. Nevertheless, should there be any complications that arise such as heavy bleeding, together with expenses for related medical consultations; your medical bill can easily skyrocket.

Although it is hard to provide a general estimation of the costs as it all comes down to the specific health conditions of the mother and the baby, a newborn coverage benefit can still go a long way in addressing such costs.

Delivery costs

Where to give birth is a serious question that every parent should consider carefully, especially since prices vary greatly among different public and private hospitals, ranging from AED 2,000 for normal delivery in public hospitals to around AED 27,000 for cesarean section delivery.

A more detailed list of costs at different hospitals is available in the full version of Pacific Prime's Dubai Maternity Insurance Guide.

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What are the benefit options for maternity insurance?

As you may be aware, maternity insurance isn’t limited to merely giving birth but a number of additional benefits that apply before, during, and after delivery. Below is a list of benefit options that you can consider having:

Medically-necessary C-sections

We have witnessed an increasing number of C-sections in Dubai, which now accounts for over 40% of new births. While some prefer undergoing surgery to give birth in advance, some C-sections are administered by doctors for medical reasons. Since the cost of C-sections is higher than that of normal delivery, it is crucial that you check beforehand to ascertain that the coverage limits are enough to address relevant expenses.

Newborn treatment

While the majority of parents-to-be certainly try their best to keep their babies healthy, should any complications arise, the costs of newborn intensive care unit are much higher than a normal birth.

Normal maternity insurance only covers the baby 15-90 days after birth. However, some plans do provide newborns with coverage on an ongoing basis from the moment they are born, which can address the treatment costs of complications.

Treatment for congenital birth defects

Basic plans usually do not cover congenital disorders and birth defects so it is a wise move to top up your plan with this additional benefit, especially if your family has suffered from the disease before.

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What are other factors you should take into account?

Aside from additional benefits, there are a vast array of factors you should consider in securing a maternity health insurance plan.


Also known as an excess, a deductible is the amount a patient must pay by themselves before lodging any claims. Generally speaking, plans with higher deductibles have a lower premium, and vice versa.


Vis-a-vis paying upfront and lodging claims to insurers subsequently, direct billing is a more convenient payment method in which the insurer will settle the medical bill on behalf of the policyholder. Hence, you won’t be bothered by claims forms and documents.

Freedom of choice

Some maternity plans provide policyholders with the freedom to choose the country they receive treatments, as well as opting for the preferred medical facility and doctor.

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Professional advice from a leading insurance brokerage

The above information only serves as general guidance to new mothers, and it will still depend on your exact requirements to determine the scope of coverage you will need. On that front, nothing beats professional advice from an established insurance broker like Pacific Prime Dubai.

Feel free to contact Pacific Prime Dubai's team for unbiased insurance advice, an obligation-free quote, and/or a plan comparison!

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Pacific Prime Dubai
Pacific Prime Dubai works with all the international and local health insurance companies to help you find the right compliant health insurance plan for yourself, your family, or your company.