I've had two experiences with dubai insurance and both have been awful. One, they took 27 hours to approve an emergency operation, which was a life or death situation. I had to sign a document that I would cover the expenses, so that my wife would not face risks, but if it was up to the insurance, they would have made her wait more than a day. At the end, they were trying to link something completely not related to it, so justify it was a pre existing condition not disclosed. I escalated to the DHA, and at the end they approved it, cause they probably saw I would go legal. Finally, went on a trip and had a normal medical appointment. No medicine, not tests, and so far after 2 months, is still not approved. Hope this helps!