Health Insurance Abu Dhabi

Health insurance Abu Dhabi is mandatory for all residents in Abu Dhabi, UAE and it is essential to choose a opt health insurance plan that suits your healthcare needs and preferences.

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Health insurance is a type of insurance that covers the cost of medical care, including doctor visits, hospital stays, and medications. In Abu Dhabi, while finding the right health insurance plan can often be easy, it can also be quite tricky due to the variety of options available. 

Considering how important health insurance is, it’s important to choose a plan that offers the right coverage for your needs. This article will provide all the key details about health insurance in Abu Dhabi. We will cover its main features, the application process, the top medical insurance companies, and other important details.

Is Health Insurance Mandatory in Abu Dhabi?

Yes, health insurance is mandatory in Abu Dhabi. Employers and sponsors must provide health insurance coverage to their employees as well as their dependents (one spouse and 3 children under 18 years).

In this Emirate, the Health Authority Abu Dhabi (HAAD) regulates the health insurance system.

Here are some key points to consider regarding health insurance in Abu Dhabi —

  1. Mandatory Requirement: All residents — including expats — must have valid health insurance. This is necessary for obtaining and renewing residence visas.
  2. Fines for Non-Compliance: Residents who don’t have valid health insurance may face fines ranging from AED 500 to AED 20,000 along with delays or complications in the visa process.
  3. Coverage: Mandatory health insurance generally covers primary care, maternity care, emergency services, surgeries, and tests.
  4. Employer Responsibility: From January 1, 2025, employers across the UAE must necessarily provide health insurance coverage to their employees and domestic workers. This rule extends the mandatory health insurance currently required in Dubai and Abu Dhabi to the other emirates.
  5. Golden Visa Applicants: If you are applying for Golden Visas, you must have health insurance coverage for yourself and your family members throughout their stay in the UAE.

Features and Benefits of Health Insurance in Abu Dhabi

Discussed below are the notable features and benefits of health insurance in Abu Dhabi —

  1. Three Types of Coverage
    • Clinic-Only
      • Outpatient services are available at clinics with a General Practitioner (GP) only
      • Visits to specialists in clinics require a GP referral and approval
    • Clinic with Specialist
      • Outpatient services include direct access to specialists in clinics
      • Emergency hospital access is available during life-threatening situations and for inpatient visits
    • Clinic + Hospital
      • Direct access to hospitals is provided
      • Some plans cover both local and international treatment
      • Direct billing for outpatient (OP) and inpatient (IP) services at available networks
      • Coverage often includes dental and optical expenses
  2. Outpatient Services: Coverage includes newborn care, vaccinations, and physician consultations. It ensures that routine and preventive care is accessible.
  3. Inpatient Services: Health insurance covers hospitalisation expenses when you need to be admitted for a procedure — whether for surgeries or treatments for covered diseases.
  4. Cashless Treatment Facility: This feature allows you, a policyholder, to have your treatment charges paid directly by the insurance company. This reduces the need for upfront payments and paperwork.
  5. Network Hospitals: Insured individuals can access a wide network of hospitals and clinics, meaning that they receive care from recognised and trusted healthcare providers.
  6. Day Care Cover: Coverage includes day-care procedures that don’t require an overnight hospital stay, such as cataract surgery and certain dental procedures.
  7. Doctor Consultations: Health insurance plans typically cover consultations with primary care physicians and specialists when referred by a primary care doctor.
  8. Pre and Post-Hospitalisation Benefits: Coverage includes expenses incurred before and after hospitalisation, such as ambulance fees, follow-up visits, and prescribed medications.
  9. Critical Illness Benefit: Some plans offer a lump sum payment if the policyholder is diagnosed with a critical illness. This sum can provide financial support during difficult times.
  10. Pharmaceutical and Diagnostic Tests: Most prescribed medications and diagnostic tests like CT scans and MRIs are covered for comprehensive care.

Eligibility Criteria for Health Insurance in Abu Dhabi

The eligibility criteria for health insurance in Abu Dhabi are outlined below —


Eligibility Criteria for Medical Insurance Abu Dhabi

Age Requirement

You must be older than 18 years. 

The maximum age to get an individual health insurance plan is between 60-65 years, depending on the provider. After this age, senior citizen health insurance policies are available.

Residency Status

Residents and citizens of the Emirate of Abu Dhabi

Newborn Coverage

Newborn children can be covered as dependents from birth after their infant care coverage ends

Employment Status

Employers and sponsors must provide health insurance coverage to their employees and their dependents (one spouse and three children under the age of 18 years).

Visa Requirement

Health insurance is mandatory for obtaining and renewing residence visas in Abu Dhabi.

Documents Required for Medical Insurance in Abu Dhabi

To apply for medical insurance in Abu Dhabi, keep the following documents prepared — 

  1. Sponsor Passport Copy (Front Page)
  2. Sponsor Visa Page
  3. Sponsor Emirates ID
  4. Applicant (Dependent) Passport Copy (Front Page)
  5. Applicant (Dependent) Visa Page
  6. Applicant (Dependent) Emirates ID
  7. Medical Application Form (MAF)
  8. Previous Proof of Insurance 

Top Health Insurance Companies in Abu Dhabi

Here are the top health insurance companies in Abu Dhabi —

  1. Takaful Emarat
  2. Orient Insurance
  3. Adamjee Insurance


  1. Takaful Emarat

Takaful Emarat, established in 2008, is a pioneer in the Islamic insurance sector. The company offers a range of comprehensive health insurance solutions that cater to individuals, families, and businesses. 

Takaful Emarat is popular for its Sharia-compliant insurance products that ensure peace of mind for those who prefer plans that comply with Islamic financial principles. The company’s health insurance plans include extensive coverage for inpatient and outpatient services, chronic conditions, and maternity care.

  1. Orient Insurance

Orient Insurance, established in 1982, is one of the leading insurance companies in the UAE. The company is known for its innovative risk solutions and high customer satisfaction. 

Orient Insurance offers various health insurance plans that provide coverage for serious illnesses, including heart attacks, kidney failure, and major organ transplants. Its plans offer flexibility in premium payments and global coverage so that you receive the best possible care both locally and internationally.

  1. Adamjee Insurance

Founded in 1960, Adamjee Insurance Company is among the oldest and most respected insurance providers in the region. The company offers a wide range of insurance products, including health insurance. 

Adamjee Insurance is well-known for its health insurance plans that cover a broad spectrum of medical services — from routine check-ups to major surgeries. Its health care plans are designed to provide maximum coverage and seamless access to top medical facilities. These features are further supplemented by the company’s customer-centric approach and efficient claims processing.

Best Medical Insurance Plans in Abu Dhabi

Some of the top medical insurance plans in Abu Dhabi are —

Name of the Plan

Medical Cover 

Pharmacy Limit

Silver AUH — Takaful Emarat)

AED 250,000

Up to AED 5,000

Silk Road (AUH) — Takaful Emarat)

AED 1,000,000

Up to Medical Cover

Green (AUH) — Takaful Emarat)

AED 1,000,000

Up to Medical Cover

Iridium AUH — Takaful Emarat)

AED 300,000

Up to AED 5,000

Plan 1 (AUH) — Orient Insurance)

AED 1,000,000

Up to AED 15,000

Emerald (AUH) — Adamjee Insurance

AED 1,000,000

Up to Medical Cover

Gold AUH — Takaful Emarat

AED 500,000

Up to AED 7,500

Opal AUH — Takaful Emarat

AED 300,000

AED 5,000

Silk Road (AUH) — Adamjee Insurance

AED 1,000,000

Up to Medical Cover

Plan 3 (AUH) — Orient Insurance)

AED 500,000

Up to AED 7,500

Plan 6 (AUH) — Orient Insurance

AED 250,000

AED 1,500

Marjan AUH — Takaful Emarat)

AED 250,000

Up to AED 5,000

Silver Classic (AUH) — Takaful Emarat

AED 1,000,000

Up to Medical Cover

Silver Classic (AUH) — Orient Insurance

AED 1,000,000

Up to Medical Cover

Read More

Note: The list of the above-mentioned health insurance plans is not exhaustive — you can find many other options available. For detailed information and a full list of available plans, visit the official website of Policybazaar UAE.

Inclusions and Exclusions of Health Insurance in Abu Dhabi

Given below are the key inclusions and exclusions of health insurance plans in Abu Dhabi —




Inpatient Services

  • Hospital stays
  • Surgeries
  • Intensive care unit (ICU)
  • Elective cosmetic surgeries
  • Non-essential  treatments
  • Experimental treatments

Outpatient Services

  • Doctor consultations
  • Diagnostic tests (X-ray, MRI, CT-Scan, ultrasound, and more)
  • Specialist visits
  • Over-the-counter medications
  • Routine health check-ups for non-covered conditions
  • Treatments not medically necessary

Maternity Care

  • Prenatal and postnatal care
  • Delivery charges (normal and C-section)
  • Infertility treatments
  • Elective abortions

Emergency Services

  • Ambulance services
  • Emergency hospital admissions

Non-emergency treatments in emergency rooms

Pharmacy Services

  • Prescribed medications
  • Essential drugs for chronic conditions
  • Non-prescribed medications
  • Vitamins and supplements not prescribed by a doctor

Preventive Care

  • Vaccinations as per UAE Ministry of Health schedule
  • Health screenings

Non-covered preventive screenings

Mental Health Services

  • Psychiatric consultations
  • Psychotherapy

Alternative therapies (e.g., acupuncture)

Dental and Optical Care

  • Basic dental treatments (e.g., fillings, extractions, root canals)
  • Emergency dental care
  • Optical examinations for glasses or lenses
  • Cosmetic dental procedures
  • Non-emergency dental treatments
  • Vision correction surgeries

Alternative Treatments

Chiropractic, osteopathy, homeopathy, and Ayurvedic treatments (subject to reimbursement)

Any alternative treatments not specified in the policy

Organ Transplant

Organ transplantation (recipient only, excluding donor-related costs)

Costs related to the donor, including the acquisition of organs

Repatriation of Mortal Remains

Transport of mortal remains to home country

Additional funeral services not specified in the policy

Second Medical Opinion

Access to world-renowned providers for re-evaluation of diagnosis, medical history, and treatment plan for non-emergency cases

Non-emergency second opinions outside of specified network

Work-Related Injuries

Coverage for healthcare services for work-related illnesses and injuries as per UAE Federal Law No.8 of 1980

Work-related injuries not covered by specified regulations

Read More

Add-Ons for Medical Insurance Plans in Abu Dhabi

Here are some common add-ons available —

  1. Maternity Cover: This add-on covers expenses related to prenatal and postnatal care as well as delivery costs. Note that some policies also include newborn baby care.
  2. Personal Accident Cover: Provides financial protection in case of accidental injuries, disability, or death. This cover ensures that policyholders or their beneficiaries receive compensation for accidents that may cause significant financial burdens​.
  3. Critical Illness Cover: Offers a lump sum payment upon the diagnosis of critical illnesses such as cancer, heart disease, or kidney failure. This helps cover the high costs of long-term treatment and care associated with these serious conditions​.
  4. Dental Cover: Includes routine dental check-ups, X-rays, fillings, extractions, and root canal treatments. Some plans also cover orthodontic treatments and dentures​.
  5. Optical Cover: Covers eye care treatments, surgeries, and costs related to glasses and contact lenses
  6. Hospital Cash Benefit: Provides a fixed daily cash allowance during hospitalisation. This can help in covering additional non-medical expenses incurred during a hospital stay.
  7. Geographical Extension Cover: Extends the health insurance coverage to include medical treatments in foreign countries. This is particularly useful for frequent travellers or expats who may need medical care while abroad​.

How to Apply for Cheap Medical Insurance in Abu Dhabi? is an online platform through which you can easily apply for health insurance in Abu Dhabi. On just one platform, you can compare different health insurance plans from various providers to find the best coverage at the most affordable rates. 

Additionally, the website offers a user-friendly interface and detailed information on various insurance products, which makes it ideal if you want to understand and compare options for an informed choice. You can also read reviews and ratings to make informed decisions. 

Steps to Apply for Health Insurance via

  1. Visit the Website: Go to and navigate to the health insurance section.
  2. Fill Out the Lead Form: On the health insurance page, you will find a lead form. Fill in your basic details such as name, email, and phone number.
  3. Get Quotes: After submitting the form, you will be directed to the health insurance quotes page. Here, you will see a list of health insurance plans from different providers along with their coverage details and prices.
  4. Compare Plans: Carefully review the available plans. Compare them based on coverage, premium costs, network hospitals, and any additional benefits. 

Tip: Use the filters to narrow down your options as per your specific preferences.

  1. Select and Apply: Once you have chosen the plan that best suits your needs, click on the ‘Apply’ button next to the selected plan. 
  2. Customer Support: For any questions or assistance during the application process, you can reach out to customer service team.

Best & Cheap Health Insurance Abu Dhabi

Takaful Emarat

Takaful Emarat

30+ Plans

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Orient Insurance PJSC

Orient Insurance PJSC

10+ Plans

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Watania Takafu

Watania Takaful

15+ Plans

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Takaful Emarat

Adamjee Insurance

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Al Sagr

Al Sagr Insurance

14 Plans

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Who Should Buy Health Insurance in Abu Dhabi?

Individuals belonging to the following categories should consider buying health insurance in Abu Dhabi —

  1. Residents and Citizens: All residents and citizens of Abu Dhabi are required by law to have health insurance.
  2. Expatriates: Expats living and working in Abu Dhabi must have health insurance to cover medical expenses. More than just a necessity for visa requirements, this ensures that they receive necessary medical care without financial strain.
  3. Employers and Employees: Employers are mandated to provide health insurance for their employees. This includes covering basic health insurance as part of employment contracts.
  4. Families: Families, especially those with children, should invest in health insurance to cover routine check-ups, vaccinations, and any unexpected medical needs. 
  5. Senior Citizens: Individuals over the age of 60 should consider health insurance plans tailored for senior citizens. These plans cover age-related health issues and chronic conditions.

When is the Right Time to Buy Health Insurance in Abu Dhabi?

It is always advisable to buy health insurance when you are young. Here are some benefits of purchasing a health insurance plan at a younger age —

  1. Lower Premiums: Health insurance premiums are generally lower for younger individuals. As you age, the risk of health issues increases, which reflects in higher premiums.
  2. Comprehensive Coverage: Young buyers often have fewer pre-existing conditions. This not only reduces premiums but also makes it easier to obtain comprehensive coverage without exclusions or waiting periods for certain treatments.
  3. Financial Security: Starting health insurance early provides financial security against unexpected medical expenses.
  4. Accumulate No-Claim Bonus: Many health insurance policies offer a no-claim bonus for each year without a claim. 

How Much Does Health Cost in Abu Dhabi?

Health insurance in Abu Dhabi generally starts at around AED 1,400 per year. However, the premium can vary significantly as per the coverage, the type of policy, and your specific needs.

Factors Affecting the Premium of Health Insurance in Abu Dhabi

  1. Age: Younger individuals typically pay lower premiums. This is because as you age, the risk of health issues increases, leading to higher premiums.
  2. Medical History: Pre-existing conditions and chronic illnesses can increase the cost of premiums as insurers account for the higher likelihood of claims.
  3. Coverage Level: Comprehensive plans with extensive coverage (including dental, optical, and maternity) will cost more than basic plans that cover only essential health services.
  4. Type of Plan: Individual plans, family plans, and group plans have different premium structures. Family plans might be more economical per person compared to individual plans, although the total premium will be higher.
  5. Lifestyle and Occupation: High-risk occupations and unhealthy lifestyle choices such as smoking can increase insurance premiums.
  6. Geographical Coverage: Plans that offer international coverage or a broader geographical scope tend to have higher premiums compared to plans limited to the UAE.
  7. Deductibles and Copayments: Plans with higher deductibles and copayments typically have lower premiums. However, keep in mind that this also leads to higher out-of-pocket expenses when making a claim. 

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Claim Process for Medical Insurance in Abu Dhabi

Have a look at the claim process for both elective and emergency treatments —

Elective Treatment

Elective treatment refers to planned medical care, such as scheduled surgeries or treatments that are not urgent. Here, patients have time to consult with their healthcare providers and insurance companies beforehand.

  1. Pre-Authorisation: Before undergoing elective treatment, obtain pre-authorisation from your insurance provider. This involves the submission of medical reports, doctor's recommendations, and treatment plans for approval.
  2. Approval Notification: Once approved, you will receive a notification detailing the coverage and any co-payment requirements.
  3. Schedule Treatment: To avoid additional out-of-pocket costs, arrange the treatment with the healthcare provider so that they are within your insurance network.
  4. Treatment and Documentation: After receiving treatment, make sure to properly document all medical records, bills, and receipts.
  5. Claim Submission: Submit the claim to your insurance provider along with all necessary documentation. This can often be done online through the insurance company's portal.
  6. Claim Processing: The insurance company will review the submitted documents. If everything is in order, they will process the claim and settle the payment with the healthcare provider.

Emergency Treatment

Emergency treatment involves urgent medical care needed to prevent serious harm or death. This refers to scenarios where you require immediate action without prior planning.

  1. Seek Immediate Care: In an emergency, seek immediate medical attention. Go to the nearest hospital or call an ambulance if necessary.
  2. Notification: Inform your insurance provider as soon as possible about the emergency and the treatment being received. Note that many providers have a 24-hour hotline for such notifications.
  3. Documentation: Make sure that all medical records, bills, and receipts are collected and documented. If possible, ask the hospital to directly bill the insurance company.
  4. Claim Submission: Submit the claim to your insurance provider along with the emergency treatment documentation. This can usually be done after the patient is stable.
  5. Claim Processing: The insurance company will review the claim and process it.

Health Insurance Available in

Sharjah , Ras al Khaimah, Fujairah , Umm al Quwain , Ajman

Common Add-ons of Abu Dhabi Medical Insurance Plans 


  1. Takaful Emarat
  2. Orient Insurance PJSC
  3. Noor Takaful
  4. Daman Health Insurance
  5. Abu Dhabi National Insurance Company (ADNIC)
  6. Watania Health Insurance 
  7. Adamjee Insurance
  8. Alliance Insurance 

Health Insurance Claim Form

AXA Health Insurance Claim Form

Oriental health insurance Claim Form

Noor Takaful Health Insurance Claim Form

ADNIC Health Insurance Claim Form

Daman Health Insurance Claim Form

RAK Health Insurance Claim Form


How do I choose the best health insurance plan for my needs?

To choose the best health insurance plan, consider factors such as your healthcare needs, budget, the network of hospitals and clinics, coverage for pre-existing conditions, and additional benefits like dental or optical care.

Can I change my health insurance plan during the policy term?

Yes, you can change your health insurance plan during the policy term, although it usually depends on the terms and conditions of your current policy and the new policy you want to switch to. 
Generally, there are specific periods during which you can make changes, such as at renewal time or during special enrollment periods.

What is the difference between inpatient and outpatient coverage?

Inpatient coverage includes services where you need to be admitted to a hospital for surgeries or treatments and require overnight stays. Outpatient coverage includes services that don’t require hospital admission, such as consultations, diagnostic tests, and minor procedures​.

How many claims can I make in a year for my health insurance in Abu Dhabi?

You can make as many claims as you like in the tenure of your plan as long as your assured sum limit allows it.

What happens if I miss my health insurance premium payment?

Missing a premium payment can result in the suspension or cancellation of your health insurance policy. It is important to pay premiums on time to ensure continuous coverage.

Are there health insurance options for self-employed individuals in Abu Dhabi?

Yes, self-employed individuals can purchase individual health insurance plans. These plans provide comprehensive coverage similar to employer-provided plans and can be customised to meet the specific needs of self-employed individuals.

How does maternity coverage work in Abu Dhabi?

Maternity coverage in Abu Dhabi typically includes prenatal care, delivery (normal and C-section), and postnatal care. Some policies also cover newborn care for a certain period after birth. 
Check the specific terms and conditions of your health insurance policy for detailed maternity benefits​.


Can I use my health insurance for treatments abroad?

Some health insurance plans in Abu Dhabi offer international coverage, in which case you can receive medical treatment abroad. Check with your insurance provider to understand the extent of international coverage and any associated conditions​.

What is a health insurance deductible?

A deductible is the amount that you must pay out-of-pocket before your health insurance starts covering your medical expenses. Higher deductible plans generally have lower premiums, but they require you to pay more upfront for medical services​.

How can I file a complaint about my health insurance provider?

If you have a complaint about your health insurance provider, you can contact the Department of Health — Abu Dhabi or use platforms like the TAMM website to file a formal complaint.

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