Insurance & Direct Billing

Frequently Asked Questions

Which insurance companies do you work with?

We work through direct billing with all major UAE insurers.
Polyclinic.ae is the only Russian-speaking clinic in Dubai offering this level of service.
Current partners include AXA (GIG), Al Madallah, NAS, Neuron, MedNet, and Nextcare.
If your insurer is not yet in our network, we’ll assist you with Reimbursement (Pay & Claim) — our team will prepare the documents for your refund request.

Can I buy insurance at the clinic?

No, clinics in the UAE do not sell insurance policies directly.
However, our administrators can recommend reliable insurance brokers and help you choose the best plan for your needs.

Where can I buy medical insurance?

Most employers provide health insurance for their employees — check this with your HR or PRO department.
For individual or family plans, you can contact licensed insurance companies, brokers or aggregators.
Our team will gladly share recommendations.

Do children need a separate insurance policy?

Yes. A child requires an individual policy — the mother’s insurance covers the baby only for the first month after birth.

How much does insurance cost in the UAE?

Prices are calculated annually and vary depending on:
coverage level, network of clinics, included services (such as dental or optical), annual coverage limit, geographic region, as well as patient’s age, gender and health status.
Basic plans start from around AED 1,000 per year, while premium coverage can cost tens of thousands.
Exact pricing is provided by insurance brokers upon request.

What if my insurance does not approve a procedure or doesn’t cover it?

Certain services are not covered by most insurance plans — such as fertility treatment, STD testing, or aesthetic procedures.
Sometimes, additional doctor notes or prior approvals are required.
Our insurance department will assist you case by case to find the best possible solution.
If a service is not covered, you can still proceed on a self-pay basis, with exclusive offers for insured patients.

Which medical services are generally covered by UAE insurance?

Most plans include consultations with GPs and specialists, lab tests and imaging as per doctor’s orders, medical treatments, medications, and maternity care.
Coverage details vary by insurer and policy type.

How can I check if my insurance is valid at Polyclinic.ae?

You can check using our Insurance Checker Tool (link).
Simply enter your insurance company and network name to see if your plan is accepted.
Alternatively, visit your insurer’s website or app and search for our full name — Innovation Family Polyclinic (Polyclinic.ae).
When in doubt, contact our team by phone or WhatsApp, and we’ll verify your coverage instantly.