Insurance: what gets reimbursed and what never will
The general rule across UAE health insurance: home nursing is covered when it is medically necessary, prescribed by a treating doctor, and pre-authorised by the insurer — most commonly as post-hospitalisation care for a defined number of days. Comprehensive plans often include such a benefit; basic and essential-benefit plans usually do not, or cap it tightly. Nationals may have additional home-care provisions under government schemes such as Thiqa in Abu Dhabi, which follow their own approval routes.
What is almost never covered is the thing families most often hope will be: long-term elderly care, companionship, and mother-and-baby nursing chosen by the family rather than prescribed by a doctor. Budget these as out-of-pocket from day one and any reimbursement becomes a bonus rather than a hole in the plan.