Policybazaar.ae’s PB Advantage aims to redefine the health insurance experience for customers in the UAE

Health insurance can feel like a maze of confusing terms, slow claims, and unexpected costs. But what if it didn't have to be that way?

Policybazaar.ae, the UAE's top online insurance marketplace, has launched PB Advantage — a novel initiative designed to make health insurance simple, seamless, and, most importantly, beneficial to the customer. With innovative perks like lightning-fast claims assistance and automatic sum recharges, PB Advantage is setting a new benchmark for the industry.

How does it work?

PB Advantage isn't just another insurance plan — it dubs itself a smarter way to handle health coverage. One of its coolest features is the 30-minute claims assistance through a dedicated insurer desk, ensuring customers aren't left in the dark during critical moments. Then, there's the Auto Recharge feature, which automatically restores the sum insured after the first claim. If a policyholder uses their AED 1 million coverage for surgery, PB Advantage reloads another AED 1 million for any future, unrelated medical issues.

The program also rewards careful customers with a No Claim Bonus, adding 10% to their sum assured for every claim-free year — up to five years. For those with pre-existing conditions, PB Advantage guarantees an accurate insurance quote within 60 minutes of raising a request. The initiative extends its reach beyond UAE borders too, offering policy portability to India, allowing NRIs to access healthcare benefits across 400 towns, including free annual health check-ups and cashless inpatient claims.

Why does it matter?

Health insurance is notorious for its fine print and frustrating delays, but PB Advantage is turning that reputation on its head.

As Neeraj Gupta, CEO of Policybazaar.ae, puts it, "We are shifting the focus from traditional pricing models and discounts to delivering real, tangible benefits that directly impact our customers' experience."

By cutting down claim processing times and offering financial safeguards like Auto Recharge, the program ensures that policyholders aren't left vulnerable when they need coverage the most.

This initiative is particularly significant for NRIs who travel between the UAE and India, offering tailored benefits like seamless coverage in both countries.

As Toshita Chauhan, Business Head of Health Insurance at Policybazaar.ae, explains, "PB Advantage was created in response to the challenges we often hear from our customers. We wanted to address these pain points head-on."

For frequent travelers and expats, the ability to carry their coverage across borders is more than just a convenience — it's a necessity.

The context

The UAE's health insurance market is evolving at breakneck speed, with demand growing over 75% year-over-year on Policybazaar.ae alone. Customers today expect more than just a policy-they want proactive benefits, flexible coverage, and real-time support. Traditional insurance models often prioritize pricing and discounts, but PB Advantage flips the script by focusing on customer-first features that bring peace of mind when it matters most.

By partnering with major insurers and Third Party Administrators (TPAs), Policybazaar.ae has made PB Advantage widely accessible, ensuring that a broad segment of the population can benefit from its forward-thinking approach. As the landscape of healthcare continues to shift, initiatives like PB Advantage pave the way for a more transparent, customer-centric insurance experience — one where policyholders are truly put first.

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