How to Choose: Comparing Premiums vs. Benefits

Price is What You Pay, Value is What You Get

The cheapest individual health insurance plan is often the most expensive in the long run. In 2026, the UAE market is flooded with “low-cost” options, but at CoverB, we want to make sure you aren’t buying a policy that leaves you stranded in an emergency. As your individual health insurance advisory firm, we’ve created a checklist to help you choose.

The “Golden Balance” Checklist

1. The Pharmacy Limit: A plan with a AED 1,500 limit is fine for a cold, but useless if you need long-term medication. Look for at least AED 3,000–5,000.
2. The Co-pay Cap: Does your 20% co-pay have a “Stop-loss”? (e.g., You never pay more than AED 200 per visit). This is a must-have for 2026.
3. Chronic Cover: Ensure there is no 6-month waiting period for pre-existing conditions if you already have a medical history.
4. Dental/Optical: These are “add-ons.” If you wear glasses or visit the dentist twice a year, adding these now is cheaper than paying cash later.

The CoverB Comparison Tool

Our technology doesn’t just show you the price; it ranks plans based on “Value for Money.” We look at the claim settlement reputation of the insurer and the breadth of their network. Experience the smartest way to buy insurance at https://coverb.ae/retail-2/individual-health-insurance/.