Liva Health Insurance in UAE

Liva Health Insurance is a trusted choice for anyone looking for reliable health insurance in the UAE. As the new brand identity of the NLGIC Group, Liva brings together the experience of RSA Middle East and National Life & General Insurance Company, with more than 80 years of combined expertise across the GCC, to offer protection you can rely on.

The name Liva means life and protection, reflecting the company’s purpose of helping people feel secure and confident every day. Serving over 1.5 million customers and supported by a team of more than 1,200 professionals, Liva offers flexible Liva Health Insurance Plans for individuals, families, and businesses. With a focus on simplicity, digital convenience, and genuine care for customers, Liva makes managing medical insurance easier, allowing you to focus on what matters most.

Why Choose Liva Health Insurance Plans in UAE

When people compare health insurance providers online, the decision often comes down to three things: coverage clarity, cost control, and ease of use. Liva Health Insurance Plans are designed to balance these priorities, making it easier to review top plans and choose suitable coverage without unnecessary complexity.

Competitive pricing with flexible options

Liva medical insurance offers multiple coverage levels, including an Essential Benefits Plan (EBP), allowing buyers to compare top plans online based on budget and medical needs. This structure makes it easier to choose a plan that covers essential healthcare services without paying for benefits you may not need.

Flexible plan design

Liva provides health insurance solutions for different customer profiles individuals, families, and employers. Each plan category is structured with clear variations in benefits and coverage limits, helping customers select what fits their situation and buy online with confidence rather than being limited to a one-size-fits-all policy.

Medical networks within the UAE

Liva Health Insurance UAE allows access to approved medical providers inside the country, including hospitals, clinics, and pharmacies. Staying within the network helps policyholders use their insurance smoothly and avoid unnecessary out-of-pocket expenses.

Solutions for individuals and businesses

In addition to individual health insurance, Liva also offers group medical insurance and coverage options for small and medium-sized enterprises. Each category is structured differently, with benefits aligned to how the insurance will actually be used.

Local support and clear communication

Liva provides official contact channels for inquiries, quotations, and claims-related questions, helping policyholders get support when they need it rather than navigating unclear processes.

What is Covered Under Liva Health Insurance Plans?

Liva health insurance provides a robust safety net for its members. While specific benefits depend on the chosen tier, most Liva Health Insurance Plans cover the following essentials:

General and specialist consultations

Liva health insurance allows policyholders to consult general practitioners and medical specialists within the approved network. This helps with early diagnosis and proper treatment planning without unnecessary delays.

Diagnostic tests and medical investigations

Coverage typically includes essential diagnostic services such as laboratory tests and medical imaging (including different types of scans), subject to the terms and limits of the chosen plan. These services play a key role in accurate diagnosis and ongoing medical monitoring.

In-patient hospital treatment

Liva Medical Insurance covers treatment that requires hospital admission, including accommodation and related medical services, as outlined in the policy wording. This benefit helps reduce the financial burden of serious or unexpected medical situations.

Prescribed medications

Medically necessary drugs prescribed by the treating physician are covered according to the plan’s limits and conditions, helping reduce overall insurance cost while supporting treatment continuity without paying the full medication expenses personally.

Maternity care (select plans)

Some Liva health insurance plans include maternity coverage, either for in-patient or out-patient services, depending on the selected policy. This benefit is particularly relevant for families planning or expecting children.

Preventive care and routine check-ups

Preventive healthcare services and periodic health screenings are included as specified in the policy document. These benefits support early detection and long-term health management.

This range of coverage gives buyers flexibility when they compare Liva Health Insurance UAE plans and choose protection that matches both current and future medical needs.

Types of Liva Health Insurance Plans in UAE

Liva health insurance plans offer a range of options designed to meet the needs of different residents and business owners across the UAE. Choosing the right plan depends on how the coverage will be used, the number of people to be insured, and the level of medical protection required. Liva Medical Insurance provides this flexibility through clearly structured plan options.

Individual Health Insurance

Liva individual medical insurance is designed for residents and families living in the UAE who are looking for clear, practical health coverage without unnecessary complexity. These plans focus on usability, transparent benefits, and access to essential medical services that support everyday healthcare needs.

Liva offers its individual health insurance under the Eazy Health range, which includes multiple plan levels. Each plan is structured differently in terms of coverage limits, geographical scope, and cost-sharing, allowing individuals and families to compare options and choose what best fits their medical needs and budget.

Key features include:

• Medical coverage suitable for everyday personal healthcare needs, including consultations, diagnostics, and hospital care
• Multiple plan options with varying benefit levels and annual coverage limits
• Access to preventive care and routine screenings based on the selected plan

One benefit many people do not immediately notice is the inclusion of preventive services in certain plans. These services support early detection and routine health monitoring, rather than focusing only on treatment after illness occurs.

Available Individual Plan Options

Liva Health Insurance UAE offers several individual plan levels, each with distinct features:

Eazy Health Gold

Provides a higher annual aggregate limit and worldwide coverage excluding the USA and Canada. This plan includes no copayment on diagnostic services and offers broader financial protection for individuals seeking more comprehensive coverage.

Eazy Health Silver

Offers worldwide coverage excluding the USA and Canada with a moderate annual limit. Diagnostic services and pharmacy benefits are subject to defined copayment levels, balancing coverage and affordability.

Eazy Health Bronze

Similar in structure to the Silver plan but with adjusted pharmacy sub-limits, making it suitable for individuals looking for cost-conscious coverage with essential medical benefits.

Eazy Health Chrome

Designed with higher copayments and pharmacy coverage limited to generic medications. This option may suit individuals prioritizing lower premiums while maintaining access to core healthcare services.

Eazy Health Basic Plus

Focuses primarily on coverage within the UAE, with inpatient treatment coverage available in Southeast Asia. This plan includes higher copayments and lower pharmacy sub-limits, making it suitable for basic healthcare needs.

Each plan includes a consultation deductible per visit and applies different copayment structures for diagnostics and medications, clearly outlined in the policy terms.

Individual Plan Comparison Overview

Doctor consultations within Liva’s approved medical network, coverage for diagnostic tests and imaging subject to plan limits, hospitalization as per policy terms, prescribed medications within sub-limits, and preventive care in selected plans make this a suitable option for individuals or families seeking straightforward health insurance with clear benefits and flexible plan choices.

Group Medical Insurance

Group medical insurance from Liva is designed to support businesses in the UAE by providing reliable healthcare coverage for employees. Offering medical insurance is more than a legal requirement. It plays a direct role in employee well-being, workplace stability, and long-term productivity.

With extensive experience in the UAE market, Liva provides group health insurance solutions that give employees access to quality medical care across the region. Plans can be tailored to suit small, medium-sized, and large organizations, with the option to include eligible dependents under the same policy.

Liva’s group medical insurance focuses on practical benefits that matter to employers, including:

• Competitive premium rates that help manage overall business costs
• Streamlined claims processing to reduce administrative effort
• Fast claims settlement for smoother employee experience

By choosing Liva, employers can focus on growing their business while ensuring their employees are covered under a reliable and structured medical insurance plan. This support helps improve employee retention, boost morale, and create a healthier, more engaged workforce.

In addition to medical coverage, group health insurance can support early detection of health conditions and reduce financial stress for employees, contributing to better mental well-being and consistent performance at work.

Medical Insurance for SMEs

Liva also offers medical insurance options specifically for small and medium-sized enterprises.

Key highlights:

• More cost-effective compared to traditional large group plans
• Essential medical coverage with flexibility to expand
• Simplified administration and enrollment

These plans are well-suited for startups and growing businesses that want reliable employee health coverage without heavy administrative effort.

Claim Process of Liva Health Insurance in UAE

Health insurance claims under Liva Health Insurance UAE are structured to be as straightforward as possible, especially when treatment is received within the approved medical network.

In most cases:

• Claims are handled directly through the hospital or clinic at the time of treatment
• Full upfront payment is usually not required for in-network services
• All claims are subject to the terms and conditions of the policy

Using network providers and reviewing policy details in advance helps avoid delays and ensures smoother claim processing under Liva Medical Insurance.

Liva Health Insurance UAE Contact Number

For inquiries related to plans, quotations, or support, the available Liva health insurance UAE contact number options include:

• General inquiries & quotations: 800772
• Medical insurance inquiries: 043029800
• Claims inquiries: 800774

These channels are provided for official communication and assistance.

How to Buy Liva Health Insurance Online in UAE

Buying Liva Health Insurance is simple and flexible, with multiple options available depending on how you prefer to proceed. Many customers choose to buy online for a faster and more convenient experience.

Common options include:

• Purchasing online through authorized platforms to compare plans and buy online with ease
• Buying through licensed insurance brokers for guided support
• Using authorized distribution channels
  
  

The general process involves:

• Comparing available Liva health insurance plans
  
  
• Selecting the appropriate coverage level
  
  
• Completing the application form
  
  
• Uploading the required documents
  
  
• Issuance of the insurance policy

The process is designed to be straightforward, allowing you to compare options and buy Liva Health Insurance online in UAE without unnecessary complexity.

Required Documents for Purchase

When applying for Liva Medical Insurance , you may be asked to provide:

• Passport copy with valid UAE visa page
• Emirates ID copy (both sides)
• Certificate of Continuity (if applicable)
• Completed and signed Medical Application Form (MAF)
  
  

Preparing these documents in advance can help speed up policy issuance.

Conclusion

Liva Health Insurance in UAE provides a clear and practical solution for individuals, families, and businesses who want to compare, choose, and buy medical insurance with confidence. With flexible plan structures, access to medical networks across the UAE, and coverage that supports both everyday care and unexpected medical situations, Liva stands out as a reliable and cost-conscious option in a competitive insurance market.

If you are currently comparing insurers or planning to buy health insurance online in the UAE, taking the time to review Liva health insurance plans can help you choose coverage that genuinely matches your needs, without unnecessary complexity or confusion.