Balanced
Annual limitAED 500,000
PremiumQuote only
- Visa emirates
- Abu Dhabi, Dubai, Northern Emirates
- Area of cover
- Worldwide
Maternity: coveredDental: coveredOptical: not coveredPre-existing conditions: covered
Allianz Care / Allianz Partners - Sphera
Sphera Essence
Balanced coverSphera International Healthcare
PremiumQuote onlyQuote only; annual payment 0% surcharge, semi-annual 3%, quarterly 4%
Annual limitAED 918,125
Visa emiratesDubai & Northern Emirates
Area of coverWorldwideWorldwide excl. USA
Benefits
| Core cover | |
|---|---|
| Inpatient | Covered |
| Outpatient | Covered |
| Deductible & co-payment | Not stated |
| Prescription medicines | Not stated |
| Benefits | |
| Maternity | Covered Routine maternity in core; optional Sphera Enhanced Maternity |
| Dental | Covered Dental in core (limits per TOB) |
| Optical | Not confirmed |
| Pre-existing conditions | Not confirmed |
| Network | |
| Hospital & clinic network | General Plus / General / Restricted Enhanced |
| Claims administrator (TPA) | Allianz Partners |
| Eligibility & documents | |
| Who it's for | Individual & family |
| Regulatory type | International (IPMI), DHA-compliant |
| Underwritten by | Orient Insurance PJSC |
| Other notes | AED converted at 3.6725 |
| Document date | 2026 |
Similar plans from other insurers
Balanced
Annual limitAED 500,000
PremiumQuote only
- Visa emirates
- Abu Dhabi, Dubai, Northern Emirates
- Area of cover
- Regional
Maternity: optional add-onDental: optional add-onOptical: not coveredPre-existing conditions: covered
Balanced
Annual limitAED 500,000
PremiumQuote only
- Visa emirates
- Abu Dhabi, Dubai, Northern Emirates
- Area of cover
- Worldwide
Maternity: coveredDental: optional add-onOptical: not confirmedPre-existing conditions: covered
Sources
- Allianz Care - Plans for Dubai (Sphera) – Allianz Care, 2026
- Allianz Care news - Orient Insurance and Allianz Partners launch Sphera – Allianz Care, n/a
Retrieved 2026-10-29. Always check the insurer's current table of benefits before buying.