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REVIEW SUMMARY

Orient Insurance

Orient was established in 1982 as part of the Al-Futtaim Group. With a paid-up capital of AED 500 million (highest in the UAE), Orient is a financially well supported firm in the region. 

Along with its strong financial base, its core strengths also include a highly qualified and customer friendly workforce, in-depth knowledge of the local insurance market, and a diversified product range - complimented by a strong panel of top ranking European re-insurers. 

Orient’s head office is in Dubai, and this allows them to serve clients through an extensive branch network, including in Bur Dubai, Deira, Dubai Health Care City, Sheikh Zayed Road, Jebel Ali, Abu Dhabi, Al Ain, Mussafah, Sharjah and Ras Al Khaimah in UAE, Muscat, and Salalah in Sultanate of Oman and Bahrain.

Our Verdict
A Closer Look
FAQs
Customer Reviews

Orient offer the below plans: 

  • Individual/Family Policies 
  • Moderate regional SME policies 
  • Moderate regional corporate policies

The Pros

> Financially stable insurer (with a rating of A from AM Best and S&P)
> Family plan has fixed benefits with a choice of different network options
> Corporates and SME’s can choose either NAS or Nextcare as their third-party administrators and both offer great mobile apps
> All individual plans cover the USA through reimbursement
> Orient is one of the participating insurers (PI’s) and therefore cover employees in the low salary band (LSB) earning under AED 4k per month

The Cons

> No global networks
> Basic plans with no additional coverage for benefits like congenital conditions
> No cover for injuries resulting from road traffic accidents or workplace related injuries
> Standard maternity limits are on the low side
> They have become another local insurer which follow the very automated process system where they don’t seem to care about their members and more about their loss ratio
What are the TPA (Third Party Administrator) options?

Nextcare or Mednet or NAS.

Do Orient Insurance offer a portal or an app?

Orient Insurance offer an app.

What's the turnaround time for reimbursements?

21 working days.

What's the turnaround time for pre-approvals?

For out-patients: 15-60 minutes
For in-patients: 24 hours

What's the minimum number of employees required for MHD (Medical History Disregarded)?

20.

Suitable for our local needs

We were not looking for a global, but a local partner for our company's group insurance. 

We looked at many options, and because our requirements are relatively narrow, Orient came in very well from a cost perspective. 

As HR Director I am delighted with Orient...I have also received generally pleasing feedback from my colleagues. 

Expert Assessment of Orient Insurance

Orient is one of the largest regional insurers with a large and well-managed portfolio, and thus are a very reliable choice for people looking for a cost-effective regional plan. 

Although their plans offer worldwide coverage (including the US), Orient doesn’t have a network outside the Middle East. Therefore, all treatments outside this region will be covered on a reimbursement basis at 80% of the UAE’s network rates. 

They offer flexibility on two extensive networks - NAS or Nextcare, and both offer great mobile apps for claims submission and medical insurance-related enquiries. 

Orient do offer great options within individual, SME and Corporate but they have now lost their level of customer service and flexibility and care with assisting brokers and their clients when there are certain escalated requirements.  

If you are a business owner or HR professional in the UAE, you’re looking to improve the medical insurance cover for you group, save money on your employee benefits package or 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, 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. 

Family Care Plan (DHA) Benefits

EMED (DHA) Essential Benefit plan - Individual Medical Policy

Orient MedNet Network List

Orient RN2 Network Access (UAE)

Orient RN3 Network

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