Fidelity Health Insurance In UAE

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Regulated by the Government of Dubai

Fidelity Health Insurance (also known as Fidelity United Health Insurance) is one of the older names in the UAE insurance market. The company has been registered since 1976, and today it operates under the brand name Fidelity United. Their medical insurance range covers individuals and groups, and the plans are designed to be compliant with UAE requirements and backed by reinsurance.

If you want to compare, buy online, and pick from top plans that match your budget, this guide breaks down what Fidelity Health Insurance UAE offers in a way that’s simple and practical.

Why Choose Fidelity Health Insurance Plans in UAE

When choosing a health insurance plan in the UAE, most people look for coverage that actually works when they need it, without unnecessary complexity. Fidelity health insurance plans are designed to offer dependable medical cover, practical benefits, and access to a wide healthcare network.

Large network of clinics & hospitals in the UAE & GCC: Fidelity plans give you access to a wide range of hospitals, clinics, labs, pharmacies, and diagnostic centers, which makes finding treatment close to home much easier.
24/7 Emergency Medical Cover: Medical emergencies don’t wait for office hours. Fidelity provides round-the-clock emergency coverage so you can get treated immediately when it matters most.
Hassle-Free Enrolment and Claims Settlement: From buying the policy to submitting claims, the process is kept simple. Claims can be handled through direct billing inside the network or reimbursement when needed.
Coverage for Pre and Post Hospitalization: Medical care doesn’t stop once you leave the hospital. Fidelity covers medical expenses before and after hospitalization, helping reduce out-of-pocket costs.
Out-Patient and In-Patient Treatment: Whether it’s a routine doctor visit or a hospital admission, Fidelity plans cover both outpatient and inpatient treatments based on your chosen policy.
Maternity Coverage: Selected Fidelity health insurance plans include maternity benefits, covering outpatient visits, scans, and delivery costs, with limits and co-pay rules clearly defined.

Types of Fidelity Health Insurance Plans in UAE

Fidelity offers health insurance for individuals and corporations (group health). So whether you’re buying for yourself, your family, or your employees, you can find a plan that fits.

Fidelity Health Insurance Plans for Individuals

Fidelity individual medical plans come with different yearly limits, networks, deductibles/co-pay options, and benefits like dental and maternity. Many plans are linked to Nextcare networks (and in some cases other TPAs may apply depending on your card).

Below is a table that helps you compare sample Fidelity Health Insurance Plans that are commonly shown for Abu Dhabi (AUH) and Dubai (DXB). This is not “all plans,” but it gives you a clear idea of how the options differ.

Plan Name	Emirate Availability	Yearly Cover	Coverage Area	Deductible / Co-pay (Out-patient)	Dental	Maternity (high level)
Plan 1 AUH – Nextcare GN+	Abu Dhabi, Al Ain	AED 1,000,000	Worldwide	AED 50 per OP consultation	Yes	100% OP maternity with AED 50 per consult; in-patient covered with limits
Plan 2 AUH – Nextcare GN	Abu Dhabi, Al Ain	AED 750,000	Worldwide	AED 50 per OP consultation	Yes	Similar structure; delivery limits apply outside Abu Dhabi
Plan 3 AUH – Nextcare RN	Abu Dhabi, Al Ain	AED 500,000	Worldwide	AED 50 per OP consultation	Yes	Similar structure; delivery limits apply outside Abu Dhabi
Plan 4 AUH – Nextcare RN2	Abu Dhabi, Al Ain	AED 300,000	Worldwide	AED 50 per OP consultation	Yes	Similar structure; delivery limits apply outside Abu Dhabi
Plan 5 AUH – Nextcare RN3	Abu Dhabi, Al Ain	AED 250,000	Worldwide	AED 50 per OP consultation	No (as listed)	Maternity included but plan is simpler (check details)
Plan 1 DXB – Nextcare GN+ (0% co-pay)	Dubai + Northern Emirates	AED 1,000,000	Worldwide	Nil co-pay	Yes	OP maternity visits + scans; in-patient up to AED 20,000 with 10% co-pay
Plan 1 DXB – Nextcare GN+ (20% co-pay)	Dubai + Northern Emirates	AED 1,000,000	Worldwide	20% co-pay (max AED 50 per OP consult) + co-pay on diagnostics/prescriptions	Yes	Same maternity structure; co-pay rules apply
Plan 3 DXB – Nextcare RN (0% co-pay)	Dubai + Northern Emirates	AED 1,000,000	Worldwide	Nil co-pay	Yes	OP maternity visits + scans; in-patient up to AED 12,500 with 10% co-pay
Plan 5 DXB – Nextcare RN3	Dubai + Northern Emirates	AED 1,000,000	Worldwide	0% or 20% co-pay versions available	Yes	OP maternity visits + scans; delivery limits (e.g., AED 7,000 normal, AED 10,000 C-section/complications)

A quick note on co-pay (because people often get confused):

A co-pay is a fixed amount (or percentage) you pay before receiving a covered service. So if your plan has “20% co-pay,” it means you pay part of the bill and the insurer pays the rest, based on policy terms.

Fidelity Health Insurance Plans for Corporations

Fidelity group health insurance is built for companies that want to protect employees and often their dependents too. The general idea is simple: the business chooses the plan structure and benefits, and employees can use the policy either through cashless/direct billing (inside network) or through reimbursement (outside network), depending on what happens and what’s allowed.

Group plans often include the same major benefit categories you’d expect in an individual plan, such as:

inpatient and outpatient treatment
emergency cover
diagnostic tests
pre and post hospitalization cover
maternity (if selected)
support for chronic conditions (subject to rules)

These corporate health insurance plans are popular because they can offer competitive rates while still giving employees access to a wide clinic and hospital network.

Fidelity Health Insurance Inclusions

Inclusions depend on your exact plan, but across Fidelity’s individual and group offerings, these are some of the most common covered areas:

In-patient treatment (hospital stays, admissions, surgeries, same-day procedures)
Out-patient treatment (clinic visits, specialist consultations, follow-ups)
Emergency medical treatment (24/7 cover)
Diagnostic tests and scans
Physiotherapy (often needs pre-authorization)
Maternity (coverage differs by plan and emirate; limits and co-pay can apply)
Dental (plan-based; often with co-pay and a yearly cap)
Optical (plan-based)
Alternative medicine (plan-based and usually capped)
Cash indemnity / hospital cash benefit (available in certain plans)
Network access across hospitals, clinics, labs, pharmacies, and in some plans dental/optical providers

Important detail many people miss: several plans show pre-existing conditions not covered while chronic conditions may be covered up to a limit. So this is one of the first things you should check when you compare plans.

Claim Process of Fidelity Health Insurance in UAE

Once you’re covered, using the plan usually falls into two paths: inside network (cashless/direct billing) or outside network (reimbursement).

Steps to Make a Claim (Reimbursement Claims)

If you need to submit a reimbursement claim, Fidelity gives you a few options:

Submit via the mobile app
Submit original documents to the insurance company
Submit via the Nextcare online web portal

One important rule: claims above AED 1,500 require submission of original documents before claim settlement.

Inside Network vs Outside Network (Reimbursement)

Inside Network (Cashless / Direct Billing)

Make sure your hospital or clinic is in your policy’s provider network
Present your medical card or Emirates ID
Pay any deductible and/or co-pay at the time of treatment (if your plan requires it)
Fidelity (through the TPA) pays the provider directly for approved treatments inside the network

Outside Network (Reimbursement)
If you go to a provider outside the network (or overseas, if allowed by your policy), you usually:

Pay the bill first
Collect itemized invoices and original receipts
Collect medical reports, prescriptions, and test results
Submit the reimbursement request through the portal/app or by submitting documents

For outside-network reimbursement, the policy may pay 80% of reasonable actual costs or 80% of reasonable and customary costs of the medical network (whichever is less), based on the plan terms.

Settlement is typically done by cheque or bank transfer within 15 working days from receipt of the claim.

Where Pre-Authorization Is Needed

Certain services require pre-authorization, and this is where people often get stuck if they don’t check first. Pre-authorization is required for:

All in-patient admissions, surgeries, and same-day procedures
Diagnostic procedures/tests that exceed AED 1,500
Physiotherapy
Maternity
Dental
Optical
Alternative medicines

If you’re not sure, it’s always safer to check before booking a big procedure, especially for maternity, physiotherapy, and expensive diagnostics.

Contact Information of different branches of Fidelity insurance

For help with claims, approvals, network checks, or general policy questions, use these information:

If you need help with claims, approvals, policy details, or general inquiries, you can reach Fidelity United through their head office or regional branches across the UAE. The Fidelity insurance phone number is the same nationwide, making it easy to get support wherever you are.

Head Office & Dubai Branch

Address:
The Opus Tower,
Block B, Office B703, Business Bay,
Dubai, United Arab Emirates
Toll Free: 800 842
Fax: +971 4 2502504
Email & Office Timing:
Monday to Friday – 08:00 am to 05:00 pm

Abu Dhabi Branch

Address:
Bloom Central Building
4th Floor, Office No. 407
Airport Road, Al Manhal, Al Tibbiya, Abu Dhabi
Toll Free: 800 842
Fax: +971 2 6263526
Email & Office Timing:
Monday to Friday – 08:00 am to 05:00 pm

Fujairah Branch

Address:
Fujairah Tower
Office No. 704
Fujairah, United Arab Emirates
Toll Free: 800 842
Fax: +971 9 2220294
Email & Office Timing:
Monday to Friday – 08:00 am to 05:00 pm

Ras Al Khaimah Branch

Address:
Fidelity United Building
Al Dhaith South
Ras Al Khaimah, United Arab Emirates
Toll Free: 800 842
Fax: +971 7 2353213
Email & Office Timing:
Monday to Friday – 08:00 am to 05:00 pm

Sharjah Branch

Address:
City Gate Tower
19th Floor, Office 1903
Etihad Road, Sharjah, United Arab Emirates
Call Us:
Toll Free: 800 842
Fax: +971 6 5681586
Email & Office Timing:
Monday to Friday – 08:00 am to 05:00 pm

How to Buy Fidelity Health Insurance Online in UAE

If you want to buy Fidelity Health Insurance online, you generally have a few practical options:

Apply online through a trusted insurance platform
Request a quote and compare top plans before purchase
Buy through an insurance representative or broker (helpful if you have special requirements)

Buying online is often the easiest way to compare Fidelity Health Insurance Plans, check plan differences (like co-pay, maternity limits, dental caps), and choose the best option for your budget.

Required documents for purchase

Below is a clear checklist based on what is typically needed for pricing and setup.

Individuals

Emirates ID
Passport copy
Visa copy
Basic personal details (age, residency, dependents if any)

Corporations (Group Health Insurance)

Company trade license
Employee list (with visa details where applicable)
Company contact information and authorized signatory details
Group structure (who will be covered: employees only, employees + dependents, etc.)

Why choose Lookinsure for Fidelity Health Insurance Plan in UAE?

When people buy health insurance, they usually want three things: a fair price, clear benefits, and a plan that actually works when they need it.

Lookinsure helps by making the buying process easier in a very practical way:

You can compare Fidelity plans with other top options in the UAE
You can ask questions and understand differences like co-pay, maternity limits, and network access
You can buy online without going in circles
You can find a plan that fits your budget without missing important details

So instead of picking a plan based on guesswork, you can choose with confidence and clarity.

Conclusion

Fidelity Health Insurance UAE is a strong option for residents and businesses that want real coverage, a broad provider network, and a claims process that’s clearly defined. With both individual and group plans available, you can compare benefits like yearly cover limits, co-pay structures, and maternity options, then choose what actually suits your situation.

If your next step is to compare top plans and buy Fidelity medical insurance online, make sure you focus on the details that matter: network access, co-pay, maternity limits, and what needs pre-authorization.

Frequently Answered Questions

Fidelity health insurance in the UAE typically costs between AED 600 and AED 10,000+ per year, depending on the plan type, coverage limits, and benefits included. Basic plans are more affordable, while higher-tier options with maternity, dental, and wider networks fall on the higher end.

Yes. For inside UAE, claims should be submitted within 60 days from the date of treatment. For outside UAE, the cut-off is 90 days from the date of treatment.

You can still access treatment using your Emirates ID or your virtual card on the mobile app.

This depends on the plan, but common gaps can include treatment outside your area of cover, treatment outside the network (unless reimbursable), and certain items listed as “not covered” in plan details. Always check your plan limits and exclusions, especially for pre-existing conditions and prescriptions.

Yes, Fidelity provides domestic helpers insurance, but in Northern Emirates only.

You typically need pre-authorization for in-patient admissions, surgeries, same-day procedures, diagnostics above AED 1,500, and services like physiotherapy, maternity, dental, optical, and alternative medicine.