Private Health insurance

Private Health insurance provides access to top-quality medical care when you and your family are sick or injured. Howden’s expertise, footprint in the market and solid relationships with insurers means we can arrange insurance that fits your needs precisely, without paying too much. 


Policy Highlights


No stringent medical underwriting requirements

We can provide quality cover without having to answer too many questions. 

Extensive network of doctors, hospitals and dentists

Get cashless access to accredited doctors all over the country. 

Dedicated expert claims team

Our claims team is there to guide you, helping to speed up claims payments and answer any questions you have and provide the required support to help get claims approved. 

Access to telemedicine services (through our expert medical partners) 

You can choose insurance policies that let your people speak to a qualified doctor and access prescription services via video conferencing - a big asset when your it's not convenient to get to surgery. 

Book appointments and manage claims via mobile apps  

We help simplify the process, providing technology to make it easy. Our medical app, Smartie, analyses the usage habits and health profile of each of your employees – how often they seek medical help, the type of treatment they receive, how much they pay, and more.

It then recommends nearby alternative providers that offer the same services for less money – or even for free. To find out more, get in touch. 

Things to be aware of
 

Named Perils Policy

Health Insurance generally works as “a Named Perils” policy. This means that the policy document will specifically state all the conditions that are covered. Anything that is not listed is not covered. Your Howden consultant will take the time to make sure you properly understand what you are buying. 

Some Pre-Existing Conditions may be excluded (on the lower-priced policies)

This is one of the most common conditions in Health Insurance. 

As Health Insurance is a Named Perils cover, some pre-existing conditions are excluded from the lower premium policies. It is very important to check whether any conditions are excluded. Your Howden consultant will help you get the coverage you need to achieve peace of mind. 

Who is the cover with?

Howden secures cover with insurers with financial stability deep expertise in medical and life insurance. These insurers may be in local markets and international specialty markets. All the insurers we use are well respected, have extremely stable finances and will be viable long term. 

From initial diagnosis to final consultation, you can get the treatment you need more quickly and with less fuss. When it comes to your health, why settle for anything less than the best?
 

We're always here to help

Let's talk...

+971 4357 3835 

We'll put you in touch with the person best equipped to help.

Call us on +971 4 357 3835 or drop us a message below and we'll get back to you as soon as possible

Find out more information about grievance procedures here.

Our office locations:

Dubai
Latifa Towers
East Wing – Level 1
Trade Centre 1, Sheikh Zayed Road
Dubai, U.A.E.
P.O. Box 49195
Location

Howden Specialty
Gate Village 5, Level 4, Office 401
DIFC - Dubai, UAE
P.O. Box 482078
+971 4 223 9964

Sharjah
Office 1701, Level 17
City Gate Tower, Al Ettihad Street
Sharjah, UAE
Location

Howden Guardian
New EMI State Tower
Office - 103 & 104
Airport Road, Abu Dhabi - U.A.E.
P.O. Box 51012
+971 2 491 3777
[email protected]
Location

Abu Dhabi
Office - 1010, Level 10
Al Obaid Office Tower, Airport Road
Rashid Al Maktoum Street 2
Abu Dhabi, UAE
P.O. Box 44897

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