Health insurance is mandatory for residence visas in the UAE. Many residents and companies look for low-cost but reliable medical insurance plans that are approved for visa processing through the ICP system.
Among the popular options available for residents in Ras Al Khaimah, Sharjah, Ajman, Fujairah, and Umm Al Quwain, plans offered by Orient Insurance Company are widely used for family visas, employment visas, and visa renewals.
Orient Health Insurance Plans in UAE: NEMed-Lite AED420, NEMed AED520 & Dubai Cover AED620 – Coverage, Benefits & Hospital Network
This guide explains three affordable plans:
- Orient NEMed-Lite – AED 420
- Orient NEMed – AED 520
- Orient Dubai Cover – AED 620
Each plan offers different coverage levels, medical networks, and benefits. Below you can find a complete overview including price, coverage details, benefits, exclusions, and hospital networks.
1. Orient NEMed-Lite Health Insurance (AED 420)
Overview
The Orient NEMed-Lite plan is one of the most affordable health insurance policies designed mainly for visa purposes in Northern Emirates.
It is commonly used by residents in:
- Ras Al Khaimah
- Ajman
- Sharjah
- Umm Al Quwain
- Fujairah
This plan provides basic medical coverage with access to selected clinics and hospitals within the network.
Plan Price
- AED 420 per year (standard visa insurance price)
- Premium may vary depending on age group and visa category
Key Benefits
The NEMed-Lite plan typically includes essential healthcare services such as:
- Doctor consultations
- General practitioner visits
- Basic diagnostic tests
- Emergency treatment
- Limited hospitalization coverage
- Prescribed medications within network pharmacies
- Access to selected clinics and hospitals in the UAE
This plan is mainly designed for visa compliance rather than full comprehensive coverage.
Coverage Highlights
Typical coverage includes:
Outpatient Services
- General practitioner consultation
- Basic laboratory tests
- Diagnostic services
- Prescribed medicines
Inpatient Services
- Hospital admission for medical emergencies
- Surgery when medically necessary
- Room and treatment charges according to policy limits
Common Exclusions
The following services are usually not included or limited:
- Cosmetic surgery
- Dental treatments
- Vision correction procedures
- Experimental treatments
- Pre-existing conditions during waiting period
- Elective procedures
Table of Benefits
Details such as:
- Annual coverage limit
- Outpatient consultation limits
- Co-payment percentages
- Pharmacy coverage
- Emergency treatment limits
Hospital Network List
Hospitals in the network may include facilities located in:
- Ras Al Khaimah
- Sharjah
- Ajman
- Fujairah
- Umm Al Quwain
Clinics and Pharmacy Network List
This section should include primary care clinics and diagnostic centers where patients can receive treatment.
2. Orient NEMed Health Insurance (AED 520)
Overview
The Orient NEMed plan is an upgraded version of NEMed-Lite with better hospital access and wider medical coverage.
This plan is popular for:
- Family residence visas
- Employee visas
- UAE visa renewals
It offers broader medical networks and higher coverage limits compared to the Lite plan.
Plan Price
- AED 520 per year
Prices may change depending on:
- Age group
- Visa status
- Medical underwriting
Key Benefits
The Orient NEMed plan provides enhanced benefits including:
- Doctor consultations in network clinics
- Emergency hospitalization
- Diagnostic tests and radiology
- Prescription medicines
- Specialist consultations when referred
- Access to larger healthcare networks
Coverage Details
Outpatient Coverage
- Clinic consultations
- Diagnostic tests
- Prescribed medicines
- Minor medical procedures
Inpatient Coverage
- Hospital admission
- Surgery
- Intensive care services
- Emergency treatment
Exclusions
Typical exclusions include:
- Cosmetic procedures
- Dental treatments (unless emergency)
- Vision correction surgery
- Non-medical treatments
- Self-inflicted injuries
- Experimental medical treatments
Table of Benefits
Include:
- Annual coverage limit
- Outpatient consultation limits
- Specialist referral rules
- Co-payment details
- Emergency coverage
Hospital, Clinics and Pharmacies Network List
Hospitals may include facilities across:
- Ras Al Khaimah
- Sharjah
- Ajman
- Fujairah
- Umm Al Quwain
- Primary care clinics
- Medical centers
- Diagnostic labs
- Pharmacies
3. Orient Dubai Cover Health Insurance (AED 620)
Overview
The Orient Dubai Cover plan is designed for residents who want higher medical coverage and better hospital access compared to basic visa insurance plans.
This plan provides improved coverage levels, wider networks, and enhanced inpatient benefits.
It is commonly used by residents working or living in:
- Dubai
- Sharjah
- Ras Al Khaimah
- Ajman
- Fujairah
Plan Price
- AED 620 per year
Premium may vary depending on age and policy terms.
Key Benefits
Dubai Cover provides broader healthcare access including:
- Specialist doctor consultations
- Emergency hospital admission
- Diagnostic and laboratory tests
- Pharmacy coverage
- Access to larger hospital networks
- Medical treatment within approved facilities
Coverage Details
Outpatient Services
- GP consultations
- Specialist referrals
- Lab tests and diagnostics
- Prescribed medications
Inpatient Services
- Hospital room charges
- Surgery
- ICU treatment
- Emergency care
Exclusions
Typical exclusions include:
- Cosmetic procedures
- Fertility treatments
- Dental procedures
- Vision correction surgery
- Non-essential treatments
Table of Benefits
SAME AS “Orient NEMed Health Insurance”
Include:
- Coverage limits
- Co-payment percentages
- Pharmacy limits
- Emergency services
- Hospital admission coverage
Hospital Network List
SAME AS “Orient NEMed Health Insurance”
Hospitals may include facilities in:
- Dubai
- Sharjah
- Ras Al Khaimah
- Ajman
- Fujairah
- Umm Al Quwain
Clinic Network List
SAME AS “Orient NEMed Health Insurance”
Include:
- Medical clinics
- Specialist centers
- Diagnostic laboratories
- Pharmacy partners
Which Orient Health Insurance Plan Is Best?
Choosing the best plan depends on your budget and medical needs.
| Plan | Price | Best For |
|---|---|---|
| NEMed-Lite | AED 420 | Cheapest visa insurance |
| NEMed | AED 520 | Balanced coverage |
| Dubai Cover | AED 620 | Better hospital access |
Residents who only require insurance for visa purposes usually choose the NEMed-Lite plan, while those who want better healthcare coverage may select NEMed or Dubai Cover.
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