Travel Insurance for Dubai

How much you have to pay for the travel insurance plan for Dubai depends on a lot of factors. These factors include the following –

● The type of plan that you want – individual, family travel or student travel plan

● The plan variant that you select – the variant determines the coverage features. If the variant has increased coverage features, the premium would be higher

● The sum insured that you opt for – the sum insured determines the total liability undertaken by the insurer.

● Members details – the number of members travelling and their age. Each member adds to the premium

● Trip duration – how many days you are travelling.

HDFC ERGO offers online premium calculators for finding out how much you have to pay for the plan. Enter the aforementioned details in the calculator and you would be able to find the premium amount.

For instance, say you and your spouse, both aged 35 years, are travelling to Dubai for 5 days, the premium for the different plan variants would be as follows –

● Silver plan – Rs.728 + GST

● Gold Plan – Rs.880 + GST

● Platinum Plan – Rs.1030 + GST

● Titanium Plan – Rs.1336 + GST

No, a medical travel insurance plan is not mandatory for your trip to Dubai. However, before ignoring the coverage, you should know that medical costs in Dubai are expensive. Dubai offers cutting-edge medical treatments for illnesses and injuries and has hospitals that meet international standards. Treatments at such hospitals and other medical costs are not cheap. If you get sick or suffer an injury on the trip, you might incur considerable medical expenses that you might not be able to bear. You, therefore, need a provision for such expensive medical costs and this is where medical travel insurance comes into the picture.

A medical travel insurance plan covers medical emergencies suffered when travelling to Dubai. Such plans provide a comprehensive scope of medical coverage ensuring that the hospital bills do not take a toll on your finances.

If you choose HDFC ERGO’s medical travel insurance plans, you can get coverage for the following –

● Cashless treatments at network hospitals across Dubai

● Repatriation of mortal remains

● Dental treatments in an emergency

● A daily cash allowance for each day of hospitalisation

● A lump sum benefit in the case of accidental death or permanent disablement

The coverage ranges from USD 50,000 to USD 500,000. You can choose a suitable plan option and enjoy coverage against medical emergencies without hurting your travel budget. So, opt for a medical travel plan for Dubai even though it is not mandatory.

No, there is no mandatory requirement to buy a travel insurance plan when you are travelling to Dubai. However, a travel insurance plan can come in handy in the case of unforeseen circumstances that cause a financial loss. As such, the plan is recommended. Here’s a look at the coverage benefits that you can avail of in a travel insurance plan –

● Medical coverage

The most important coverage in a travel insurance policy is the coverage for medical emergencies. If you suffer any unforeseen illness or injury when travelling to Dubai, the plan covers the cost of hospitalisation and associated treatments. Moreover, with HDFC ERGO’s travel insurance plans you get coverage for medical evacuation and repatriation, dental treatments and even a daily allowance for hospitalisation.

● Trip coverage

HDFC ERGO’s travel plan also allows coverage for flight delays in some plans.

● Baggage cover

If your baggage is lost in transit or if there is a delay in your checked-in baggage, the financial losses suffered therein would be covered

● Liability cover

If you cause any physical or property related damage to another individual, you are held financially responsible for their losses. Such liability is shouldered by the travel insurance plan freeing you from the burden

● Personal accident cover

You also get coverage for accidental death or permanent disablement suffered while on the trip.

With these coverage benefits, a travel insurance plan can come in handy when you travel to Dubai even when it is not mandatory.

Yes, there are free healthcare facilities in Dubai wherein individuals can avail of free medical treatments at public facilities. However, this free facility is available for Dubai residents and citizens. If you are travelling to Dubai for leisure or business or as a student, you would not be eligible for free healthcare.

In such situations, you need a health insurance cover to protect against the expensive medical costs that you might face if you need medical assistance in Dubai. This is where a travel insurance plan comes into the picture.

An international travel insurance policy, like that offered by HDFC ERGO, covers the cost of medical emergencies when you are travelling abroad, in this case, Dubai. You get coverage against inpatient hospitalisations necessitated due to an unforeseen sickness or injury. Besides the cost of treatments, coverage is also allowed for –

● Medical evacuation – transportation to the hospital through road or air in case of an emergency.

● Repatriation of remains – transportation of the body back to India if the insured dies on the trip

● Dental treatments – those that are necessitated due to an emergency

● Hospital cash allowance – a daily allowance paid for each day of hospitalisation

● Accidental Death or Permanent Disablement– a lump sum benefit payable in the case of accidental death of the insured

You can avail yourself coverage of up to USD 500,000 and ensure that you get covered for the medical costs incurred when you are travelling to Dubai as a tourist, visitor or student.

Source: Expat Arrivals

Dubai has a host of health insurance companies that offer health insurance plans to foreigners. So, you can buy a health insurance plan in Dubai as a foreigner. However, such plans are suitable if you stay in Dubai for extended periods. If you are visiting Dubai for a vacation or work, buying health insurance there would not be prudent. Even students should avoid buying health insurance in Dubai when they stay there for higher education.

Instead, you can opt for a travel insurance plan in India that covers medical emergencies in Dubai. Buy a plan covering your travel duration and you would be secured against medical costs that you might incur in Dubai. Choose a high sum insured and the plan would cover the expensive medical treatments that you might incur in an emergency.

HDFC ERGO offers comprehensive travel insurance plans for Dubai. With HDFC ERGO you can enjoy –

● Cashless treatments across networked Dubai hospitals

● Inpatient hospitalisation

● Medical evacuation and repatriation

● Dental treatments

● Hospital cash allowance

These coverage features help you avail of medical attention in Dubai without straining your budget. The travel insurance plan acts as a health insurance plan with added coverage benefits that guard against other emergencies too that you might face on the trip. Moreover, the plan is cost-effective too. So, rather than insuring yourself in Dubai, it is better to invest in travel insurance plan in India itself and secure your trip at pocket-friendly rates.