Orient Insurance
Orient Insurance is a Dubai insurer that was incorporated in 1980 and started operating on 1 January 1982. Al Futtaim Development Services Company controls it, and its shares are listed on the Dubai Financial Market. It sells health, life, motor, travel, home and commercial insurance.
Out of 5 from 3,566 Google reviews across 5 offices
- App Store1.247 ratings
- Google Play1.4168 ratings
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Orient Insurance
Orient Insurance averages 3.4 out of 5 across 3,566 Google reviews of its UAE offices, read 11 Nov 2026. Those reviews cover everything it sells, not only health insurance.
Read the Google reviews for each office
Orient Insurance health insurance
Orient sells Dubai Essential Benefits Plans, three Northern Emirates plans and three wider plans called Family Care, Health Plus and Secure Care. A claims administrator, NEXtCARE, MedNet or NAS, runs the network and claims for each plan.
| Plan | Type | What it is |
|---|---|---|
| EMed (PCP-RN3) | Dubai Essential Benefits Plan | For employees with a Dubai visa. Annual limit AED 150,000. Covers the UAE, plus inpatient treatment in your home country. NEXtCARE PCP clinics for outpatient care and RN3 hospitals for inpatient and emergency care.6 |
| DMed | Dubai Essential Benefits Plan | For non-working dependants with a Dubai visa. Annual limit AED 150,000. Covers the UAE, plus inpatient treatment in your home country.13 |
| DMed (LSB) | Dubai Essential Benefits Plan | For dependants in the low salary band. Annual limit AED 150,000. NEXtCARE PCP and RN3 networks.14 |
| IMed | Dubai Essential Benefits Plan | For investors with a Dubai visa. Annual limit AED 150,000. NEXtCARE PCP and RN3 networks.15 |
| NEMed | Northern Emirates plan | Annual limit AED 75,000, with AED 50,000 for inpatient and AED 25,000 for outpatient care. Covers the UAE except the emirate of Abu Dhabi. NEXtCARE PCP clinics for outpatient care and RN3 for inpatient and emergency care.16 |
| NEMed-Lite | Northern Emirates plan | Annual limit AED 75,000, with AED 50,000 for inpatient and AED 25,000 for outpatient care. Covers the UAE except Abu Dhabi, Al Ain and Dubai.17 |
| NEMed-Basic | Northern Emirates plan | Annual limit AED 40,000, with AED 15,000 for inpatient and AED 25,000 for outpatient care. Covers the UAE except Abu Dhabi, Al Ain and Dubai. NEXtCARE PCP-NE network, with outpatient care at clinics only. Your visa or citizenship must be from Ajman, Fujairah, Ras Al Khaimah, Sharjah or Umm Al Quwain.18 |
| Family Care Plan | International plan | Annual limit of AED 150,000, AED 250,000, AED 500,000, AED 750,000 or AED 1,000,000. Worldwide cover, with treatment outside the UAE limited to 90 days per treatment. MedNet is the claims administrator.19 |
| Health Plus | International plan | Six plans, each with an annual limit of AED 1 million and worldwide cover. The plans differ by hospital network. NEXtCARE is the claims administrator.7 |
| Secure Care Plan | International plan | Seven plans, each with an annual limit of AED 1 million and worldwide cover. NAS is the claims administrator.20 |
| Cover | With this insurer | Details |
|---|---|---|
| Network and claims administrator | Depends on plan | NEXtCARE for the Dubai Essential Benefits Plans and Health Plus, MedNet for Family Care, NAS for Secure Care.5 |
| Annual limit on EMed | Included | AED 150,000 a year.6 |
| Area of cover on EMed | Included | The UAE, plus inpatient treatment in your home country, paid at UAE rates. Outpatient treatment in your home country is excluded. For Dubai visa holders only.6 |
| Pre-existing and chronic conditions on EMed | Depends on plan | Excluded for the first 6 months of your first scheme membership, then covered up to the annual limit.6 |
| Maternity on EMed | Included | Inpatient maternity up to AED 10,000, with 10% coinsurance. It needs prior approval.6 |
| Maternity on Health Plus | Depends on plan | Inpatient maternity up to AED 20,000 on Plan 1, Plan 2 and Plan GN Limited, AED 12,500 on Plan 3 and Plan 4, and AED 10,000 on Plan 5, each with 10% coinsurance. Cover depends on your medical application form.7 |
| Pre-existing and chronic conditions on Health Plus | Depends on plan | Covered up to AED 150,000 per member per year if you declare them on the medical application form. Undeclared conditions are excluded during the policy period.7 |
| Direct billing and reimbursement on Health Plus | Included | Direct billing inside the network. If you pay and claim back inside the network, the claim is settled at 80% of the network's usual and customary rates.7 |
More cover details (6)
| Cover | With this insurer | Details |
|---|---|---|
| Pre-existing and chronic conditions on Family Care | Depends on plan | Declared conditions are covered up to AED 150,000, subject to medical underwriting.19 |
| Dental on Health Plus | Depends on plan | Up to AED 3,000 on Plan 1, Plan 2 and Plan GN Limited, AED 2,500 on Plan 3 and AED 1,500 on Plan 4, each with a 20% co-pay. Plan 5 covers up to AED 500 including a 30% co-pay.7 |
| Medicines on EMed | Included | Up to AED 2,500 a year. You pay 30% of each prescription.6 |
| Inpatient coinsurance on EMed | Included | You pay 20%, capped at AED 500 per encounter and AED 1,000 a year.6 |
| Reimbursement on NEMed-Basic | Included | Direct billing inside the network. Planned treatment you pay for yourself is reimbursed at up to 75% of network rates, after your co-payments.18 |
| Using your cover at a clinic | Included | On the Essential Benefits Plans your benefits are linked to your Emirates ID. Show it at a network provider.21 |
Published prices
- The Dubai Health Authority lists an index rate of 725, including Basmah and VAT, for Orient's Essential Benefits Plan, as of 11 November 2026.23
Check before you buy
- The Essential Benefits Plan wording dated April 2021 says there is no reimbursement facility on EMed, DMed and IMed.21
- On EMed you must see a general practitioner first. Specialist costs are excluded without that referral.6
- Family Care covers treatment outside the UAE for up to 90 days per treatment.19
- NEMed-Basic has no cancellation and no refund.18
- Health Plus pays a cash benefit for a hospital stay you did not claim for, for up to 10 nights: up to AED 300 a night on Plan 1, Plan 2 and Plan GN Limited, AED 250 on Plan 3 and Plan 4, and AED 200 on Plan 5. Claim it within 15 days of discharge.7
Policy documents
- EMed table of benefitsTable of benefits, 2025
- DMed table of benefitsTable of benefits, 2025
- DMed (LSB) table of benefitsTable of benefits, 2025
- IMed table of benefitsTable of benefits, 2025
- Essential Benefits Plan policy wordingPolicy wording, 2021
- NEMed table of benefitsTable of benefits, 2022
- NEMed-Lite table of benefitsTable of benefits, 2024
- NEMed-Basic table of benefitsTable of benefits, 2026
- Family Care table of benefits, DubaiTable of benefits, 2025
- Health Plus table of benefits, DubaiTable of benefits, 2025
- Secure Care table of benefits, DubaiTable of benefits, 2026
- Network lists and app guides for every planInsurer page, 2026
About Orient Insurance
- Legal name
- Orient Insurance PJSC
- Founded
- Incorporated 22 July 1980. Started operating 1 January 1982.1
- Type
- Listed by the Central Bank of the UAE as a national insurance company. Orient Takaful PJSC has its own entry in the register, as a takaful company.3
- Owner
- Al Futtaim Development Services Company is the holding company and has control. The ultimate holding company is Al Futtaim Group LLC.1
- Listed on
- Dubai Financial Market, symbol ORIENT, listed 4 October 20062
- Headquarters
- Orient Building, Al Badia Business Park, Dubai Festival City, Dubai10
- UAE branches
- Head office in Dubai Festival City, plus offices in Jebel Ali, Sharjah, Ras Al Khaimah, Abu Dhabi and Al Ain.10
- Also sells
- Motor, Travel, Home, Life, Medical malpractice, Commercial10
- Central Bank
- Listed in the Central Bank of the UAE register, September 2026, number 143
Financial strength
At 31 December 2025 Orient reported basic own funds of AED 3.56 billion against a solvency capital requirement of AED 1.32 billion. Its annual report says those two figures are unaudited.
Recent news
- AM Best affirms Orient's A (Excellent) rating
AM Best affirmed the financial strength rating of A (Excellent) and the long-term issuer credit rating of a+ for Orient Insurance and its subsidiaries, with a stable outlook.9
- S&P affirms Orient's A+ rating
S&P affirmed the A+ rating of Orient Insurance and its subsidiaries with a stable outlook.22
Contact Orient Insurance
- Phone+971 4 2531300
- Toll free800 674368
- Email, individual medical teamOrient.Individualmedical@alfuttaim.com
- Complaints emailOrient.medreimbursement@alfuttaim.com
- ComplaintsOpen complaints page
- HoursMonday to Friday, 08:00 to 17:00. The Jebel Ali office opens at 09:00.
- Head officeOrient Building, Al Badia Business Park, Dubai Festival City, P.O. Box 27966, Dubai
Branches (5)
| Branch | Address | Phone |
|---|---|---|
| Jebel Ali | JAFZA View 19, Office No. LB190002, Ground Floor, Downtown Jebel Ali, P.O. Box 17292, Dubai | +971 4 8847471 |
| Sharjah | Jazeera Building 1, Office 301 & 302, 3rd Floor, Buhaira Corniche, next to Canal Al Qasba, behind Hilton Hotel, P.O. Box 6654, Sharjah | +971 6 5093 777 |
| Ras Al Khaimah | Al Naeem Twin Tower, Office No. 204, 2nd Floor, Corniche Al Qawasim St, Dafan, P.O. Box 33217, Ras Al Khaimah | +971 7 2260540 |
| Abu Dhabi | Business Avenue Tower, Office No. 102 & 103, First Floor, Salam Street, P.O. Box 37035, Abu Dhabi | +971 2 6763222 |
| Al Ain | Meli Iran Building, Office No. 4, M2 Floor, Al Ain Main Street, near Clock Tower, P.O. Box 18800, Al Ain | +971 3 7377012 |
Common questions
What are Orient Insurance category A and category B benefits?
Orient's individual medical page does not use the names Category A or Category B. The individual plans it lists are EMed, DMed and IMed, which are Dubai Essential Benefits Plans, then NEMed, NEMed-Lite and NEMed-Basic for the Northern Emirates, then Family Care, Health Plus and Secure Care. If your card or certificate shows a category, call Orient on 800 674368 and ask which table of benefits applies to you.5
Is there an Orient Insurance app?
Orient publishes an app called Orient UAE. The App Store shows version 3.2, last updated on 2 October 2021, with 1.2 out of 5 from 47 ratings as of 11 November 2026. For health plans, Orient's individual medical page links guides to the apps of its claims administrators: Lumi by NEXtCARE, the MedNet app and the NAS app. Use the app of the administrator named on your plan.24
How do I check my Orient Insurance policy online?
Orient's online portal at orientonline.ae offers a quotation request, an endorsement request and claim intimation. To cancel a policy, Orient's FAQ says to choose Buy Online, then Endorsement request, then New request, then the endorsement type Cancellation of Policy. For anything else on a health policy, call 800 674368.12
Is Orient Insurance good?
AM Best affirmed Orient's financial strength rating of A (Excellent) with a stable outlook on 8 July 2026, and S&P affirmed its A+ rating with a stable outlook on 16 May 2024. On Google, 5 Orient offices in the UAE average 3.4 out of 5 across 3,566 reviews as of 11 November 2026, and those reviews cover everything it sells. Read recent reviews and the table of benefits for your plan before you decide.9
Can I claim money back from Orient for treatment I paid for?
It depends on your plan. The Essential Benefits Plan wording dated April 2021 says EMed, DMed and IMed have no reimbursement facility. Health Plus, Secure Care, Family Care and the Northern Emirates plans allow reimbursement at the rate in each table of benefits. Orient's medical page gives no claim steps or deadline, so ask the claims administrator on your plan, or call Orient on 800 674368, before you pay.21
How do I complain about Orient health insurance?
For health insurance complaints Orient gives the telephone number 04 2372801 and the email Orient.medreimbursement@alfuttaim.com, and it has a health insurance complaints portal at cmkyc.orientonline.ae/CMS. The same page gives a Dubai Health Authority link, isahd.ae/Home/Ipromes.11
Does Orient sell the Dubai Essential Benefits Plan?
Yes. The Dubai Health Authority lists Orient Insurance as a participating insurer for the Essential Benefits Plan, with an index rate of 725 including Basmah and VAT, as of 11 November 2026. The application link DHA gives is Orient's online portal.23
Sources
25
1Orient Insurance, Annual Report 2025. Last checked 11 Nov 2026. Source document: Annual Report 2025
2Dubai Financial Market, ORIENT company profile. Last checked 11 Nov 2026. Source document: ORIENT company profile
3Central Bank of the UAE, CB Register September of 2026. Last checked 11 Nov 2026. Source document: CB Register September of 2026
4Dubai Health Authority (ISAHD), Permitted Insurers. Last checked 11 Nov 2026. Source document: Permitted Insurers
5Orient Insurance, Individual. Last checked 11 Nov 2026. Source document: Individual
6Orient Insurance, Table of benefits, EMed (PCP-RN3), May 2025. Last checked 11 Nov 2026. Source document: Table of benefits, EMed (PCP-RN3), May 2025
7Orient Insurance, Table of benefits, Health Plus, Dubai, 4 March 2025. Last checked 11 Nov 2026. Source document: Table of benefits, Health Plus, Dubai, 4 March 2025
8Orient Insurance, FAQ. Last checked 11 Nov 2026. Source document: FAQ
9Orient Insurance, AM Best Affirms Credit Ratings of Orient Insurance. Last checked 11 Nov 2026. Source document: AM Best Affirms Credit Ratings of Orient Insurance
10Orient Insurance, UAE. Last checked 11 Nov 2026. Source document: UAE
11Orient Insurance, DHA Complaints. Last checked 11 Nov 2026. Source document: DHA Complaints
12Orient Insurance, Online portal guest login. Last checked 11 Nov 2026. Source document: Online portal guest login
13Orient Insurance, Table of benefits, DMed, January 2025. Last checked 11 Nov 2026. Source document: Table of benefits, DMed, January 2025
14Orient Insurance, Table of benefits, DMed (LSB), July 2025. Last checked 11 Nov 2026. Source document: Table of benefits, DMed (LSB), July 2025
15Orient Insurance, Table of benefits, IMed, January 2025. Last checked 11 Nov 2026. Source document: Table of benefits, IMed, January 2025
16Orient Insurance, Table of benefits, NEMed, May 2022. Last checked 11 Nov 2026. Source document: Table of benefits, NEMed, May 2022
17Orient Insurance, Table of benefits, NEMed-Lite, July 2024. Last checked 11 Nov 2026. Source document: Table of benefits, NEMed-Lite, July 2024
18Orient Insurance, Table of benefits, NEMed-Basic, June 2026. Last checked 11 Nov 2026. Source document: Table of benefits, NEMed-Basic, June 2026
19Orient Insurance, Table of benefits, Family Care Product, Dubai, 2025. Last checked 11 Nov 2026. Source document: Table of benefits, Family Care Product, Dubai, 2025
20Orient Insurance, Table of benefits, Secure Care Plan, Dubai. Last checked 11 Nov 2026. Source document: Table of benefits, Secure Care Plan, Dubai
21Orient Insurance, Policy Wordings Basic (Essential Benefits Plan), April 2021. Last checked 11 Nov 2026. Source document: Policy Wordings Basic (Essential Benefits Plan), April 2021
22Orient Insurance, S & P affirms A+ rating of Orient Insurance And Subsidiaries On Revised Capital Model Criteria; Outlook is Stable. Last checked 11 Nov 2026. Source document: S & P affirms A+ rating of Orient Insurance And Subsidiaries On Revised Capital Model Criteria; Outlook is Stable
23Dubai Health Authority (ISAHD), DHA Participating Insurers Results. Last checked 11 Nov 2026. Source document: DHA Participating Insurers Results
24Apple App Store, Orient UAE. Last checked 11 Nov 2026. Source document: Orient UAE
25Google Play, Orient UAE. Last checked 11 Nov 2026. Source document: Orient UAE
- Owner
- Medicalinsurance.ae research team
- Last review
- Next review due
- 10 May 2027
- Status
- Published