Health Claim

CLAIM SUBMISSION

AED 2 billion in claims paid every year, super fast claim processing and reimbursement.

HERE FOR YOU, FROM START TO FINISH

We understand that the claims process is a critical moment in your insurance journey and one that calls for clarity, efficiency, and dependable support. That’s why we’ve brought together all essential claims information and documentation across categories in one place, helping you navigate the process with ease, every step of the way.

HEALTH

You can conveniently submit, track, and manage your medical claims through our online portal or mobile app. Detailed information on the claims process is outlined below to guide you at every stage. If you prefer in-person assistance, you can also click here to find the contact details of your nearest Sukoon branch.

  • CLAIM INTIMATION

    Download the claim form by clicking here. You may submit the form in any one of these ways:

    • You may submit the completed form online by clicking here or through the mySukoon mobile app
    • It can also be delivered to any of our branches or dispatched through your broker 
    • Couriered to the below address: 

    Medical Claims Department,

    Sukoon,
    Omar Bin Al Khattab Street, Next to Al Ghurair Mall,

    Deira, PO Box 5209

    Dubai, UAE 

    Retain a copy of all the documents submitted for your future reference.

  • DOCUMENTS REQUIRED

    Upload the following documents along with a completed, stamped and signed claim form to the mySukoon app or portal

    • Original invoices/bills showing payment confirmation
    • Medical and/or lab test reports
    • All claims submitted must be in original and translated to either English or Arabic for settlement

    • Healthcare insurance card copy of the claimant
    • Summary table of invoices from the Reimbursement Claim Form (completed)



    We require original versions of the documents mentioned above for claims amounting to over:

    • Abroad: AED 5,000 
    • UAE: AED 10,000 

    We may ask for additional documents as and when they are required for the claim processing.

  • CLAIM PROCESSING

    Make sure that the form is submitted within 120 days of the treatment to ensure timely processing. Both you and the attending doctor must fill the form for each visit or course of treatment.



    Remember that only one claim submission is allowed per person and therefore, family members must apply individually.


    You can update your International Bank Account Number (IBAN) on our mySukoon app or mySukoon portal for faster payment processing.

  • CLAIM SETTLEMENT

    We will try our best to pay all eligible claims within 3 weeks of submission of the form.



    You will be reimbursed as per the customary prices in our network. This means that if your doctor charges a general consultation fee of AED 400 when the average consultation fee is AED 250 in your applicable network, we will only reimburse the AED 250.



    Moreover, if applicable, co-insurance will be levied along with your network deductible. The usual co-insurance rate stands at 20%. So, in the above example, considering that your network deductible is AED 50, we will apply 20% co-insurance on AED 200, and reimburse AED 160.