Accountable and Compliance Health Insurance
Choose from a wide range of health insurance packages
Discover personalized health insurance solutions tailored to your needs. From individuals to groups, we offer a range of plans from the world’s leading insurers.
Health Insurance Services
Get access to an extensive range of health insurance packages with the most affordable rates in the market. Whether you are looking for a basic health insurance for your visa application, or a comprehensive insurance package for your family or employees, we’ve got you covered.
Inpatient Care
Outpatient Care
Emergency Care
Preventive Care
Maternity Care
Dental Care
How Health Insurance Works in Dubai
Health insurance in Dubai is regulated by government authorities and is mandatory for residents, employees, and dependents. Insurance coverage ensures access to medical treatment, emergency services, and preventive healthcare through approved hospitals and clinics.
Individuals and businesses can choose from a range of health insurance plans depending on coverage needs, budget, and eligibility. Once a policy is selected, the insurance provider issues coverage documents that allow insured members to access medical services across the UAE healthcare network.
With professional guidance, selecting and managing the right health insurance plan becomes simple, compliant, and stress-free.
Invest in Your Well-being with Health Insurance. Let us help you with the whole process!
Who Needs Health Insurance in Dubai?
Health insurance is mandatory for UAE residents, including employees, business owners, dependents, and domestic workers. Employers are required to provide health insurance coverage for their employees, while sponsors are responsible for insuring their dependents.
Freelancers, self-employed individuals, and investors must also secure valid health insurance policies to comply with UAE regulations. Having the right insurance plan ensures legal compliance and uninterrupted access to healthcare services.
Health Insurance Requirements in Dubai
The United Arab Emirates (UAE) has a well-developed health infrastructure with high healthcare standards. This includes easily accessible modern health facilities and health insurance plans. Health insurance in the UAE varies by city but consistently offers world-class healthcare.Â
In Dubai, all residents must have insurance that meets Dubai Health Authority (DHA) standards. UAE nationals in Dubai can access Saada, a government health insurance program for those not covered by other government schemes.
Who can Qualify for Health Insurance Dubai?
Ex-pats legally working in Dubai qualify for employer-provided health insurance. To access public healthcare, you need a health card, which can be obtained online or at a medical center via the Dubai Health Authority (DHA).Â
The application process requires certain documents, including:
- Passport details
- Emirates ID number
- Copy of your tenancy contract
- Residence visa
- Completed application card
- Two passport photos
The medical card costs 320 AED for adults and 120 AED for children under 10.
Health Insurance for Low Earners or Unemployed
Dubai’s Essential Benefits Plan (EBP) offers affordable medical coverage for residents earning below AED 4,000 per month, including their dependents, at a fixed annual cost of AED 550-AED 650.Â
Coverage
The plan covers maternity care, medication, tests, surgeries, emergencies, and both outpatient and inpatient treatments, along with 30 days of newborn coverage.Â
Limitations
- The annual claim limit is AED 150,000.
- No coverage for pre-existing or chronic conditions in the first six months.
Only certain insurance companies are authorized to offer the EBP, and it is available exclusively to those earning below AED 4,000 per month. Employers of domestic workers must also provide healthcare coverage under this plan.
Best Dubai Health Insurance Plans for Expatriates
If your employer doesn’t provide healthcare, you can opt for a private plan or the Essential Benefits Plan (EBP), which costs 550-650 AED annually (150-175 USD). Before choosing, review the requirements and options from registered companies on the UAE Insurance Authority’s website, including Islamic insurance (takaful).
For ex-pats, leading providers like Aetna International and Cigna Middle East offer various plans. Cigna has three coverage levels with optional modules for added benefits, while Aetna offers three plans with add-ons, voluntary cost-sharing, and access to multiple hospitals.
Secure Your Health, Secure Your Future. Talk with our experts for complete guidance!
Private Health Insurance in Dubai
If you’re a non-resident in Dubai, your sponsor or employer will provide you with valid health insurance, though not all jobs include this coverage. Since private insurers operate differently, it’s crucial to understand how they work before choosing one.Â
You should consult the UAE Insurance Authority for a list of approved providers to ensure you get coverage from a valid company.Â
Advantages of Private Health Insurance
- Avoids a monthly fine for living without health insurance in the UAE.
- Provides access to first-class medical facilities equipped with modern technology and English-speaking experts.
- Allows personalization of coverage, including add-ons or special requirements.
Public Health Insurance Dubai
Public health coverage in the UAE varies by emirate but generally includes emergency care, preventive services, and maternity care. The insurance also includes primary health care services such as:
- General examinations
- Diagnostic
- Treatment services by general practitioners and specialists
- Physiotherapy services
- Consultants
- Radiology diagnostic services
- Laboratory services
- Prescribed drugs
However, the insurance does not cover laser vision correction, hearing and vision aids, or dental exams. It may cover surgeries, maternity follow-ups, and physiotherapy in certain cases.
Health Insurance Services
Health insurance is essential in Dubai, as it’s required to obtain a UAE residency visa. While UAE nationals benefit from free or low-cost insurance, ex-pats must pay for both public and private coverage.
Need help with business setup or residency visa in Dubai? Virtuzone health insurance services have got you covered:
- Health Insurance Plans: Tailored insurance plans that meet or exceed Dubai Health Authority (DHA) requirements, covering employees and dependents.
- Compliance Assurance: Ensure your business adheres to mandatory health insurance regulations, avoiding fines and legal issues.
- Employee Coverage Management: Assistance in managing and selecting the right health insurance coverage for employees, including expatriates and their families.
- Claims and Benefits Support: Expert guidance on handling claims, understanding benefits, and maximizing the value of your health insurance.
- Insurance Renewal and Updates: Continuous monitoring and updating of health insurance policies to stay current with changes in regulations and business needs.
FAQs
Our team of experts fields common questions from people all over the globe about health insurance in the UAE.
