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Enjoy full in-patient and out-patient protection with plans designed to cover your essential healthcare needs so you can focus on life, not medical bills.
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Whether you're insuring your family or your workforce, we help you select the right health insurance package tailored to your specific requirements and budget.
Health Insurance in Dubai: What You Need to Know
Dubai offers a highly developed healthcare system, attracting residents and medical tourists alike. With over 180 doctors per 100,000 people, the city ranks among the most efficient in global healthcare standards.
Is Health Insurance Mandatory in Dubai?
Yes. All residents in Dubai are legally required to have valid health insurance that meets or exceeds the minimum standards set by the Dubai Health Authority (DHA).
Employers must provide insurance for their employees.
Sponsors are responsible for insuring their dependents.
Freelancers and self-sponsored individuals must arrange their own coverage.
Lack of valid insurance can result in monthly fines and may delay or prevent visa processing.
Types of Health Insurance in Dubai
1. Private Health Insurance
Ideal for expatriates and non-residents. Offers flexible plans, access to private clinics and hospitals, and customisable add-ons.
Benefits:
Faster appointments and private care
English-speaking doctors
Wider range of treatments and services
Avoidance of government fines
Popular providers include Cigna and Aetna International, offering plans with tiered coverage and optional modules.
2. Public Health Coverage
Primarily for UAE nationals and emergency services. It covers:
Consultations
Basic medications
Maternity care
Diagnostic services
Some services like dental, vision correction, or elective surgeries may not be included.
Essential Benefits Plan (EBP)
This low-cost insurance plan is designed for low-income workers earning under AED 4,000/month.
Annual Premium: AED 550–650
Coverage Includes:
Outpatient and inpatient care
Emergency treatments
Maternity services
Limited chronic condition care (after 6 months)
Limitations:
Annual claim limit of AED 150,000
20–30% co-pay on many services
Lower reimbursement caps for prescriptions and maternity care
Only government-approved insurers can offer EBP policies.
Health Insurance by Location
Dubai: Employers insure only employees; sponsors insure dependents.
Abu Dhabi: Employers cover employees, one spouse, and up to three children.
Saada Program: Provides coverage to Dubai nationals not covered under other government schemes.
Applying for a Health Card
To use public facilities, ex-pats need a health card from the DHA.
Required Documents:
Passport copy
Emirates ID
Tenancy contract
Residence visa
Two passport photos
Fees:
AED 320 for adults
AED 120 for children under 10
Final Thoughts: Do You Need Health Insurance in Dubai?
Yes health insurance is not just important, it’s mandatory for all residents and is required for obtaining or renewing a UAE residence visa.
If you’re moving to Dubai for work or setting up a business, make sure your insurance complies with DHA regulations. For expert guidance on visas, licensing, and business setup, Mavericksvcs is here to help.
