How to get medical insurance in the UAE

March 20 , 2021 by: Ishwa Junaid

Choosing a suitable healthcare insurance company can be a critical decision, especially in emergency times. Moving to a new place always comes with its adjustment period and stress. If you plan to move to Abu Dhabi or Dubai, then these two emirates have made medical health care insurance compulsory for all residents. It means that you can’t get a resident visa without having authentic medical insurance in your hands. It is advised to opt for good health care insurance as healthcare costs can be deadly during any crises related to health.

We have narrowed down a few crucial details to note for getting medical insurance in UAE for your convenience and proper guidance.

Is medical insurance mandatory?

Its necessity is based on which Emirates you based in. Even in the Emirates, where healthcare is optional, it is advisable to consider health insurance. During chronic conditions and in times of emergency, bearing healthcare costs can be a substantial financial burden.

Abu Dhabi by David Rodrigo on Unsplash

Abu Dhabi

It’s the responsibility of sponsors and employers for providing health care insurance coverage for their family (3 children and one spouse) and employers. According to Abu Dhabi’s Department of health, for residents with monthly salaries under Dh4,000 Or Dh50,000 plus house allowance, the basic policy is provided.

Dubai skyscrapers by Elena Jones on Pixabay


Medical insurance is mandatory in Dubai; according to Dubai health insurance law introduced in the year 2014, “the legal liability for every sponsor is to provide an essential benefits plan (EBP) insurance package fixed between Dh550 & Dh650 so that workers earning lower wages can also get access to good healthcare.”

Because of this law, now health care is accessible to even blue collars workers working in UAE.

Companies provide insurance to their employees and their family members (2 children and one spouse) in many cases. Still, if it’s not the case, or if the company doesn’t provide insurance for the family, then it’s the sponsor’s responsibility to cover his family’s healthcare insurance.

Other emirates

Ajman, Sharjah, Fujairah, Umm Al Quwain and Ras Al Khaimah don’t have any mandatory health insurance compulsion. However, the majority of employees are provided with a basic level of health care coverage.

If your company doesn’t provide health care insurance for you or your family, then follow the steps below to get medical insurance for yourself or your family.

How to get started?

For applying for medical insurance, you can go online and get in touch with health care insurance and approach their most suitable insurance plan.

Here are some recommended links which can help you to get started

There are 62 insurance companies, and there are 160 brokers; you can approach any health care insurance broker, they would provide you with several options from many companies.

Your options

This is an essential benefits plan which is supposed to provide you with enough health care coverage.

The Essential Benefits plan is supposed to provide fair enough coverage.

  1. Basic plan

The basic annual plans limit is ‘Dh150,000′ the cover-up for the medicines is almost ‘Dh1,500’ per annum. Cover-up for maternity is almost Dh7,000 (standard delivery) and Dh10,000 (for C section caesarean delivery)

The basic plan also includes limited network coverage, which means that there are minor clinics and hospitals covered in the basic program. Even in the covered hospital or clinic, you will not have access to any specialist unless the general practitioner recommends you.

Critical exclusions in the basic plan

    2. Comprehensive plan

The next plan of medical health insurance coverage is a “comprehensive plan,” which provides coverage inside the UAE and other countries that you choose to travel to.

Sublimit is also higher as expected; maternity and medicines coverages are even higher. It’s being accepted in most of the hospitals and clinics hence gives the user a healthy experience.

The premiums might lay between Dh2,000 to Dh1m because of some specific pre-existing complex conditions.

Anthony Shakraba on Pexels

      3. Enhanced benefits plans

The next tier is enhanced benefits plans, which is most suitable for the employers, as it’s very flexible and offers discounts on co-payments with an increase in specific limits annually.

What’s next?

If your employer is providing you with health insurance, then you will get an insurance card. You will need to carry your insurance card with you all the time (in an emergency). Your employer will provide you list of covered benefits and networks, and if you are not satisfied with your plan that there are options to talk with your employer, and luckily it can help you to upgrade your health insurance to a better one (you need to pay some additional charges).

Information required for health insurance

Documents required

Time required

You can expect a time interval or turnaround of one working day; after you submitted all your documents, it will take approximately one working day.

For comprehensive plans can take a longer time to process. It might take 3 to 5 working days as companies might take time to submit and collect the previous reports of employees (if they have any prior or existing health concerns such as heart condition or diabetes)



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