A Golden Visa in the UAE opens the door to long-term residency and countless opportunities. If you're relocating as an investor, entrepreneur, or skilled professional, one essential step is having the right health insurance. Golden visa health insurance isn’t just a requirement—it’s a necessity for peace of mind in a new country. ...read more
Congratulations on being nominated for the UAE Golden Visa!
As part of the application process, it's essential to secure a health insurance policy valid for at least one year so that you can access quality healthcare during your stay. This requirement underscores the UAE's commitment to protecting residents' well-being. Moreover, maintaining active medical insurance is mandatory throughout your residency to comply with national regulations.
To learn more about Golden Visa health insurance, scroll below.
Best Health Insurance in UAE
Clinic Only
Outpatient services are limited to clinics & general practitioner. To access a hospital for outpatient a referral is required from your GP. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Takaful Emarat
Plan NameECARE BLUE
Medical Cover (AED)150,000
Starting FromAED 5,566/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
E CARE Blue
Clinic and GP Only
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
HAYAH Insurance
Plan NameBlue
Medical Cover (AED)150,000
Starting FromAED 5,739/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
Blue
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Orient Insurance
Plan NameHealth Plus - Plan 5
Medical Cover (AED)1,000,000
Starting FromAED 6,780/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Cigna
Plan NameHealthguard Regional
Medical Cover (AED)2,750,000
Starting FromAED 35,756/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
General
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
GIG Gulf (Previously AXA)
Plan NameGlobal
Medical Cover (AED)7,500,000
Network
The list of hospitals & clinics where your health insurance plan can be applied.
In-house A1
Clinic and GP Only
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Fidelity United
Plan NameHealth First Plan G
Medical Cover (AED)500,000
Starting FromAED 5,083/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
PCP- C Network
Clinic Only
Outpatient services are limited to clinics & general practitioner. To access a hospital for outpatient a referral is required from your GP. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Dubai Insurance
Plan NameDubaiCare Next N5
Medical Cover (AED)1,000,000
Starting FromAED 6,097/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
DubaiCare Next
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Orient Takaful Insurance
Plan NamePlan 5
Medical Cover (AED)1,000,000
Starting FromAED 6,772/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
RAK Insurance
Plan NameNextcare RN3
Medical Cover (AED)1,000,000
Starting FromAED 6,787/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Dubai National Insurance
Plan NameEssential
Medical Cover (AED)150,000
Starting FromAED 7,350/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
Network - PCP/RN3
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Adamjee
Plan NameSilk Road
Medical Cover (AED)1,000,000
Starting FromAED 10,500/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
MEDNET Silk Road
Clinic and GP Only
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Watania Takaful (Previously Noor Takaful)
Plan NameNAS NRICare Plan 6
Medical Cover (AED)1,000,000
Starting FromAED 11,058/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NAS-VN
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Abu Dhabi National Insurance Company
Plan NameBronze
Medical Cover (AED)250,000
Starting FromAED 17,993/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
MSHI Bronze
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Allianz
Plan NameSelect Pearl (Comprehensive excl CCAD network)
Medical Cover (AED)6,426,800
Starting FromAED 69,520/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
In-house
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Sukoon Bupa
Plan NameSelect
Medical Cover (AED)6,239,000
Starting FromAED 69,883/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
Premium Network
Plans shown as per selected filters. T&Cs apply
Plans shown as per selected filters. T&Cs apply
Who are Golden Visa Holders?
Golden Visa holders in the UAE are foreign nationals granted long-term residency visas. This allows them to live, work, or study in the country without the need for a national sponsor.
This initiative, introduced in 2019, attracts and retains talented individuals and investors from various fields, thereby improving economic growth and cultural diversity within the UAE.
Eligibility for the Golden Visa encompasses a wide range of categories, including investors, entrepreneurs, specialised talents, researchers, and outstanding students.
For instance, investors can obtain a 10-year residency by investing at least AED 2 million in public investments or real estate. Entrepreneurs with a project valued at a minimum of AED 500,000, or those approved by an accredited business incubator, are eligible for a 5-year visa.
Specialised talents such as scientists, researchers, and healthcare professionals may qualify based on their expertise and contributions to their respective fields. Additionally, exceptional students with outstanding academic achievements may also be considered for the Golden Visa.
Requirements for Golden Visa Health Insurance in the UAE
As mentioned earlier, to comply with UAE regulations, Golden Visa applicants and holders must obtain health insurance policies that meet specific criteria —
Comprehensive Coverage: The insurance plan should cover a wide range of medical services, including inpatient and outpatient treatments, surgeries, emergency care, and maternity services
Validity Period: The policy must be valid for at least one year and should be renewed annually to maintain continuous coverage throughout the visa's duration
Coverage for Dependents: Visa holders are responsible for ensuring that all dependents under their sponsorship have adequate health insurance coverage
Compliance with Local Regulations: The chosen health insurance policy must align with the specific guidelines and standards set by the health authorities in the emirate of residence, such as the Dubai Health Authority (DHA) or the Department of Health in Abu Dhabi
It's important to note that while the Golden Visa itself may be valid for 5 or 10 years, medical insurance policies are typically annual contracts. Thus, policyholders must renew their insurance plan each year to remain compliant with UAE laws and ensure uninterrupted access to healthcare services.
Key Inclusions & Exclusions of Golden Visa Health Insurance
Here is an overview of what’s generally covered (and what’s not) under Golden Visa medical insurance plans —
Key Inclusions
Inpatient and Outpatient Services: Coverage includes hospital stays, surgeries, and related medical procedures as well as consultations with general practitioners and specialists
Emergency Medical Treatment: Immediate care required for sudden and severe medical conditions is generally covered
Maternity Care: Many plans offer coverage for prenatal and postnatal care, including delivery expenses
Prescribed Medications: Drugs and medications prescribed by a licensed physician are usually included
Diagnostic Tests: Laboratory tests, X-rays, and other diagnostic procedures necessary for treatments are usually covered
Common Exclusions
Cosmetic and Elective Procedures: Treatments for improving appearance without medical necessity are not covered
Alternative Therapies: Non-conventional medical treatments, such as naturopathy or acupuncture, may be excluded
Self-Inflicted Injuries: Injuries resulting from intentional self-harm are generally not covered
Injuries from High-Risk Activities: Harm sustained during activities deemed hazardous, like extreme sports, may be excluded unless additional coverage is obtained
How Can Golden Visa Holders Apply for Health Insurance in the UAE?
Applying for health insurance as a Golden Visa holder in the UAE is a simple and hassle-free process. You can easily compare and purchase the best insurance plan online through platforms like Policybazaar.ae — simply follow these steps:
Go to the Health Insurance Section – On Policybazaar.ae, click on the ‘Health Insurance’ tab on the homepage
Fill Out the Lead Form – Enter your basic details, such as name, contact information, and residency status
Select the Investor Option – While filling out the form, choose the ‘Investor’ category, which is specifically for Golden Visa applicants
Compare Insurance Plans – Once you submit the form, you will be redirected to a page displaying multiple health insurance quotes from top insurers in the UAE.
Choose the Best Plan – Compare coverage, benefits, and costs to select a policy that best suits your needs
Top Insurance Companies Providing Health Insurance for Golden Visa Holders
Here are some of the leading insurance companies that offer comprehensive cheapest insurance for Golden visa in the UAE –
Orient Insurance
Takaful Emarat
Dubai Insurance
Salama Insurance
Adamjee Insurance
Dubai National Insurance
Abu Dhabi National Insurance (ADNIC)
Cigna Insurance
Golden Visa Health Insurance Cost in the UAE
UAE Golden visa health insurance cost starts from around AED 1031* yearly and can increase depending on the type of coverage selected. Factors such as additional benefits, international coverage, and pre-existing conditions will influence the Golden visa insurance cost.
Some key factors affecting the premium include —
Type of Coverage: Comprehensive plans with extensive coverage (including international care, maternity benefits, and coverage for pre-existing conditions) tend to have higher Golden visa insurance cost compared to basic plans that offer essential medical services.
Age of the Insured: Older visa holders generally face higher premiums due to increased health risks.
Health Condition: Pre-existing conditions or chronic illnesses may increase the premium, especially for plans that cover these conditions after a waiting period.
Network of Hospitals and Clinics: Plans that offer access to a wider network of healthcare providers usually come at a higher cost.
Geographical Coverage: Plans that provide international coverage are more expensive than those limited to the UAE.
Disclaimer: The costs mentioned are approximate and may vary based on the specific requirements, coverage options and individual health insurance needs. Please consult with an advisor or visit policybazaar.ae for an accurate quote tailored to your situation.
Your Golden Visa, Your Health — Get Comprehensive Coverage Today!
It is important for Golden Visa holders to have Golden visa insurance that provides comprehensive protection, giving access to quality healthcare whenever needed. With the right plan, you are covered for emergencies, routine check-ups, and even international medical care.
Don’t wait until it’s too late — get your Golden Visa health insurance today and protect yourself and your family!
You can easily buy health insurance through Policybazaar.ae, where you can compare plans from top providers, customise coverage options, and get the best rates. Visit the ‘health insurance’ section to find the perfect plan tailored to your needs!
Can I use my home country’s health insurance for the UAE Golden Visa?
No, international health policies from your home country are generally not accepted for the UAE Golden Visa. You must obtain a UAE-approved health insurance plan that meets local regulations to comply with visa requirements.
Is there a minimum coverage amount required for Golden Visa health insurance?
Yes, the minimum coverage amount depends on the emirate you are residing in. Most emirates require at least basic health coverage that includes inpatient, outpatient, emergency care, and maternity services. However, it is recommended to choose a comprehensive plan for better coverage.
Can I get health insurance if I have pre-existing conditions?
Yes, but it depends on the insurer and the policy you choose. Some insurers cover pre-existing conditions after a waiting period, while others may charge higher premiums. Always check the policy details before purchasing.
What happens if my health insurance expires while I am on a Golden Visa?
If your health insurance expires, you may face legal penalties, including fines or visa issues. To avoid such issues, make sure to renew your policy before it expires and get continuous coverage throughout your residency.
Can I upgrade my Golden Visa health insurance plan later?
Yes, you can always upgrade your health insurance policy. If you believe your current plan does not provide enough coverage, you can switch to a higher-tier plan during the renewal process.
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