Annual aggregate limit

The annual aggregate limit is the maximum a health insurance policy will pay for one member across an entire policy year, counting every claim together. Once it is exhausted the member pays everything until the policy renews.

Also called Annual limit, Aggregate limit. Updated

It is per member, per policy year

The limit resets at renewal and applies to each member individually, not to the family or the company. A family of four on a plan with a AED 150,000 annual aggregate limit has AED 600,000 of cover between them, in four separate buckets that cannot be shared.

Sub-limits sit underneath it

The aggregate limit is a ceiling, not a promise. Underneath it sit sub-limits on the things clients actually claim: maternity, dental, optical, physiotherapy sessions, psychiatric treatment. A plan with a generous aggregate limit and a AED 7,500 maternity sub-limit is a modest maternity plan, whatever the headline number says.

Comparing limits honestly

The annual aggregate limit is the one figure on a table of benefits that sorts cleanly, which is exactly why it gets over-used in comparisons. Two plans at the same limit can differ on network, co-pay, waiting periods and half a dozen sub-limits. The limit tells you the worst case is covered; it tells you almost nothing about the ordinary year.

Where this comes up

Related terms

In Rabt

Every one of these is a field in Rabt

Co-pay, network, age band, waiting period — Rabt holds them as data on the plan, so a quote states them the same way every time and a comparison can line them up.