<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=3003101069777853&amp;ev=PageView&amp;noscript=1">

Review summary


Expacare was established in London in 1982, with the aim of providing international private medical insurance with 24-hour global assistance to individuals, families, small medium enterprises (SME’s) and corporate clients.

They pride themselves on the five values that define them – caring, professional, open, honest and compassionate.

In the UAE, Expacare has partnered with Al Ain Ahlia Insurance Co. to provide Dubai Health Authority (DHA) and Health Authority Abu Dhabi (HAAD) approved medical insurance plans.

Expacare provides numerous plans with different variations and a dedicated named account manager for all corporate medical insurance clients.

Customer Reviews
Expert Verdict

Medical insurance plans - Dubai Choices Plans:

These plans are suitable for individuals, families and SME’s

Compulsory Plan (Core, Cancer Treatment and Chronic Care)

  1. In-patient and day-patient hospital services including diagnostics and physicians', specialists' and anesthetists' fees
  2. Palliative care
  3. Congenital cover
  4. Emergency medical evacuation
  5. Ambulance services
  6. Rehabilitation facility as an alternative to post-acute care (maximum 14 days
  7. Hospice care (maximum 6 weeks)
  8. Repatriation of mortal remains or local burial costs
  9. Dental treatment following an accident (within 3 months of accident)
  10. Post-hospital out-patient treatment (follow up)
  11. Out-patient surgery
  12. In-patient psychiatric treatment
  13. Parent accommodation (if treatment of child under 18 requires hospitalization)
  14. Surgical/medical prosthesis and appliances
  15. Mobility aid
  16. CT, MRI and PET scans
  17. Kidney dialysis
  18. Organ donor costs

Flexible options that must be added to the compulsory plan highlighted above are as follows:

Option 1 – Dubai Maternity Module (1 of the 3 options below is compulsory in Dubai)

Dubai Module – Basic

  1. Companion hospital accommodation
  2. Maternity – in & out-patient
  3. Newborn care
  4. Vaccinations and inoculations for newborns and children
  5. Preventative services
  6. Emergency dental treatment
  7. Hearing and optical

Dubai Module – Maternity 1

  1. Companion hospital accommodation
  2. Maternity – out-patient
  3. Maternity care (routine)
  4. Maternity care (with complications)
  5. Maternity care (emergency surgery)
  6. Newborn care
  7. Vaccinations and inoculations for newborns and children
  8. Preventative services
  9. Emergency dental treatment
  10. Hearing and optical

Dubai Module – Maternity 2

  1. Companion hospital accommodation
  2. Maternity – out-patient
  3. Maternity care (routine)
  4. Maternity care (with complications)
  5. Maternity care (emergency surgery)
  6. Newborn care
  7. IVF (In vitro fertilisation) (50% co-pay and 2-year waiting period applies)
  8. Vaccinations and inoculations for newborns and children
  9. Preventative services
  10. Emergency dental treatment
  11. Hearing and optical

Option 2: Out-Patient Treatment (1 of the 2 options must be selected)

Out-Patient Extended

  1. Overall maximum policy limit – USD 2,550,000
  2. Out-patient option limit
  3. Consultations and diagnostic services with doctors or specialists
  4. Out-patient psychiatric treatment
  5. Prescription drugs
  6. Vaccinations
  7. Hormone replacement therapy (HRT) for menopausal conditions
  8. Physiotherapy
  9. Occupational therapy
  10. Complementary therapies
  11. Traditional Chinese medicine and bone-setting
  12. Developmental disorders (maximum 3 visits)

Advanced Out-Patient

  1. Overall maximum policy limit – USD 8,500,000
  2. Includes all the above plus:
  3. HIV and AIDS treatment
  4. Rehabilitation for alcohol and drug addiction (lifetime limit)

Option 3: Additional Benefits (All the below are optional)

Dental, Wellness, and Optical

  1. Dental treatment (20% co-pay applicable)
  2. Wellness benefit
  3. Optical cover

For further information please refer to the brochures in the resources section, or contact us for more detailed information.


The Pros

> Financially stable MGA with strong backing from Lloyd’s of London
> Very low annual increase (between 3 – 7% for the last 5 years)
> Offer a ‘company policy’ for companies with just one employee. Perfect for start ups in the region, that will grow quickly.
> Medical History Disregarded (MHD) starting from 5 employees (market average is 10 employees)
> Use MedNet App for claims submission and tracking
> Healthy discounts can be up to 25% for new members

The Cons

> No local presence in the UAE and therefore rely heavily on their local TPA (Mednet)
> HQ is in London and therefore they work on London time zone
> Unable to offer highly competitive corporate schemes
> No international networks
> Waiting periods on certain benefits
Which hospitals, clinics and pharmacies can I have access to if I am insured with Expacare?

Please refer to the brochure in the additional resources section.

How long does it take for a claim to be processed?

Claims are generally paid within 10-15 working days however this is subject to the type of claim and accuracy of documents submitted.

Can I submit a claim online?

To learn how to submit a claim please click here.

You can also download the MedNet mHealth from the App Store or Google Play store to submit your claims and access all the information related to your insurance.

Can I review the status of my claim online? What are the other ways to follow up?

Yes, you can view the status of your claim online or through the app. 

Alternatively, you can call +44 (0) 1344 233950 or email info@expacare.com for more information.

A long-term choice

Having endured escalating renewals we looked for a longer-term partner this time around.

We were sold on Expacare because of their track record of below inflation increases and their stated intention to become an organisation's long-term partner.

We are hoping this will be a positive solution and choice for our whole company.

Expert Assessment of Expacare

Expacare has a consistent track record of providing below-market inflation increases, with less than a 7% increase in their base rates in the last 5 years. As the medical insurance market can be volatile, Expacare aims to provide stable and long-term solutions to our clients and should be considered an excellent long term partner.

Expacare has partnered with MedNet to utilise their network and handle their claims in the UAE. MetNet is an established well-known brand that offers quality customer experience. Although, due to a lack of presence in the region from Expacare, escalations can get delayed.

As Expacare is financially stable and backed by Lloyd’s of London, defaulting on payments is not a concern.

They provide a range of variations on their ‘choices plans’ that allow them to select from different networks and add co-insurances. However, there is no flexibility on the limits for dental, optical and wellness (which can have a 12-month waiting period).

Sensible pricing and very rich benefits, paired with low annual increases make Expacare a very strong option in the region.

If you are a business owner or HR professional in the UAE, you’re looking to save money on your employee benefits package and reduce your company medical insurance costs, we will review your current plans and related expenses. Please contact us or call us on +971 (0) 4559 4900.

At AES International, we focus on providing long-term solutions, tailored to an individual organisation’s needs, to help you improve overall employee wellness, drive up productivity and engagement, and enable you to manage your corporate medical insurance spend year on year.

Expacare Dubai Choices Plan

Expacare Network List

Start looking after your employees' well-being today. 

Ready to start the conversation?

We'll call, learn about you and help you decide if we're a good fit. It's that easy.

Get Started