Medical Insurance
Medical Insurance
Comprehensive Health Coverage for You and Your Family
At Focus Finance Brokers, we understand that your health is your most valuable asset. Our Medical Insurance plans offer financial protection against medical expenses, ensuring you and your loved ones get the best care without worrying about the cost.
Whether you’re an individual, a family, or a business seeking group health coverage for employees — we provide tailored medical insurance solutions that meet DHA and MOH regulations in the UAE.
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Want to know more? Fill in the form and our Medical Insurance Advisor from Focus will be in touch.
What Does Medical Insurance Cover?
In-Patient & Out-Patient Treatments
Coverage for hospital stays, surgeries, diagnostics, and doctor consultations.
Emergency Medical Services
Ambulance charges and emergency care.
Prescription Medication
Reimbursement or direct billing for prescribed drugs.
Maternity & Newborn Care
Coverage for prenatal checkups, delivery, and postnatal care.
Specialist Consultations
Access to top healthcare providers and specialists
Chronic & Pre-existing Conditions
Coverage based on policy terms and regulatory guidelines.
Why Choose Focus Finance Brokers ?
Access to Top Insurance Providers
We work with leading UAE and international health insurers to offer the best plans.
Flexible Plans for Every Budget
Choose from basic to premium coverage based on your healthcare needs.
Multilingual Customer Support
Our advisors assist you at every step — from choosing a plan to claim settlement.
Easy Claim Process
Direct billing with a wide hospital network, or fast reimbursements with full support.
Our Medical Insurence Providers
FAQ'S
Is medical insurance mandatory in the UAE?
Yes, in most Emirates like Dubai and Abu Dhabi, medical insurance is mandatory for all residents, including employees, dependents, and domestic workers.
What does a typical medical insurance plan cover?
Standard coverage includes:
- Inpatient & outpatient treatments
- Emergency care
- Doctor consultations
- Diagnostic tests and scans
- Prescription medications
- Maternity and newborn care (in some plans)
- Optional dental & optical cover
Can I choose my own hospital or clinic?
- Yes. Each insurance provider has a network of approved hospitals and clinics. Depending on your plan, you can access specific hospitals (network A, B, C, etc.) or go out-of-network with partial coverage.
What is a co-payment or deductible?
It’s the portion of the bill you pay out of pocket. For example, if your plan has a 20% co-pay, you’ll pay 20% of the bill and the insurer pays the rest. Deductibles may also apply to some services.
Are pre-existing conditions covered?
Yes, but some plans may impose a waiting period (usually 6–12 months). Full disclosure during application is important to avoid claim rejection.
What is the process for making a claim?
You can go cashless within the approved network or reimburse after paying upfront outside the network. Submit bills, prescriptions, and medical reports for quick processing. Our team can assist throughout the process.
Get a free quote online to learn more about our Medical Insurance options.