# Golden Visa Health Insurance **Published:** 2023-11-06T12:33:56.118Z **Updated:** 2026-09-15T07:31:33.363Z **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/articles/golden-visa-health-insurance/ **We are Rated:** 4.7/5 **Review Count:** 44,602 [Reviews](https://maps.app.goo.gl/Ry9H7NLgFAGso8gZ7) **Trusted Customers:** 2 Million+ **Insurance Partners:** 35+ **Policies Sold:** 1 Million+ Golden Visa holders must have health insurance valid for at least one year, renewed annually, per DHA/DOH/MOHAP rules. 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 - without it, your Golden Visa application gets rejected outright; DHA/DOH won't process it without a compliant policy in hand. Regulatory credentials Licensed by the Central Bank of the UAE **([Registration No. 123](https://cdn.policybazaar.ae/pbuae/images/IA-License-Renewal-2026.pdf))** DHA Health Insurance Intermediary **Permit No.** [BRK-00041](https://www.isahd.ae/Home/PermittedIntermediaries) Emirates Insurance Federation **Membership No.** [B81](https://static.pbcdn.ae/pbuae/images/Policybazaar-Middle-East-Insurance-Brokers-LLC.pdf) Information on this page is for general guidance only - not personalised financial or medical advice. 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. ## 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](https://www.policybazaar.ae/golden-visa-saver/articles/uae-golden-visa-for-investors/) 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. In 2025, the UAE added 5 new professional categories eligible for its golden visa programme - * **Luxury Yacht Owners and Executives** Yacht owners are eligible if their vessels are more than 40 meters long. Executives working in the luxury maritime sector can also qualify for a golden visa. * **E-sports Professionals** Gaming professionals aged 25 years+ can apply for the golden visa. * **Digital Creators** Content creators, filmmakers, photographers, writers, and influencers can now apply for golden visa. * **Private School and University Professors** Faculties and teachers across Ras Al Khaimah and Dubai are qualified. * **Nurses** Nurses having a minimum of 15 years of experience are eligible - [see the full nurse eligibility criteria](https://www.policybazaar.ae/travel-insurance/articles/uae-golden-visas-for-nurses/). ## 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 - 1. **Comprehensive Coverage:** The insurance plan should cover a wide range of medical services, including inpatient and outpatient treatments, surgeries, emergency care, and maternity services 2. **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 3. **Coverage for Dependents:** Visa holders are responsible for ensuring that all dependents under their sponsorship have adequate health insurance coverage 4. **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 Your Golden Visa can run 5 or 10 years, but the insurance behind it is always a 1-year contract - miss a renewal and your visa status is at risk. 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** 1. **Inpatient and Outpatient Services:** Coverage includes hospital stays, surgeries, and related medical procedures as well as consultations with general practitioners and specialists 2. **Emergency Medical Treatment:** Immediate care required for sudden and severe medical conditions is generally covered 3. **Maternity Care:** Many plans offer coverage for prenatal and postnatal care, including delivery expenses 4. **Prescribed Medications:** Drugs and medications prescribed by a licensed physician are usually included 5. **Diagnostic Tests:** Laboratory tests, X-rays, and other diagnostic procedures necessary for treatments are usually covered Investors and entrepreneurs often need coverage that flexes with variable UAE/home-country travel - see our guide to [flexible health insurance for expat investors and entrepreneurs](https://www.policybazaar.ae/health-insurance/articles/flexible-health-insurance-for-expat-investors-and-entrepreneurs/). **Common Exclusions** 1. **Cosmetic and Elective Procedures:** Treatments for improving appearance without medical necessity are not covered 2. **Alternative Therapies:** Non-conventional medical treatments, such as naturopathy or acupuncture, may be excluded 3. **Self-Inflicted Injuries:** Injuries resulting from intentional self-harm are generally not covered 4. **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: 1. **Go to the Health Insurance Section** – On Policybazaar.ae, click on the ‘Health Insurance’ tab on the homepage 2. **Fill Out the Lead Form** – Enter your basic details, such as name, contact information, and residency status 3. **Select the Investor Option** – While filling out the form, choose the ‘Investor’ category, which is specifically for Golden Visa applicants 4. **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. 5. **Choose the Best Plan** – Compare coverage, benefits, and costs to select a policy that best suits your needs Choose Health Insurance Coverage of Your Choice [ 150KHealth Insurance ](/health-insurance/filter/health-insurance+150-thousands-aed-sum-insured+in-dubai/)[ 250KHealth Insurance ](/health-insurance/filter/health-insurance+250-thousands-aed-sum-insured+in-dubai/)[ 500KHealth Insurance ](/health-insurance/filter/health-insurance+500-thousands-aed-sum-insured+in-dubai/)[ 1MillionHealth Insurance ](/health-insurance/filter/health-insurance+1-millions-aed-sum-insured+in-dubai/)[ 3MillionHealth Insurance ](/health-insurance/filter/health-insurance+3-millions-aed-sum-insured+in-dubai/)[ 5MillionHealth Insurance ](/health-insurance/filter/health-insurance+5-millions-aed-sum-insured+in-dubai/)[ 7.5MillionHealth Insurance ](/health-insurance/filter/health-insurance+7.5-millions-aed-sum-insured+in-dubai/)[ 10MillionHealth Insurance ](/health-insurance/filter/health-insurance+10-millions-aed-sum-insured+in-dubai/)[ 15MillionHealth Insurance ](/health-insurance/filter/health-insurance+15-millions-aed-sum-insured+in-dubai/) All coverage in AED\* ## Applying for Health Insurance While Your Golden Visa Is Still Processing You don't need to wait for your Golden Visa to be issued before securing health insurance - in fact, many insurers require proof of a valid policy as part of the visa application itself. If you're still abroad, you can typically: 1. **Apply for a policy before arrival:** Most UAE insurers will issue a compliant plan once you have your Emirates ID application or entry permit number, even before you've physically entered the country. 2. **Confirm the policy start date aligns with your visa stamping:** Coverage should begin no later than your visa activation date to avoid a compliance gap. 3. **Check dependent coverage timing separately:** If your family is joining later, their policies can usually be arranged closer to their own arrival date rather than all at once. Once your visa is stamped and you're a resident, you can renew or upgrade the same policy annually as outlined above. ## 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 – 1. Orient Insurance 2. Takaful Emarat 3. Dubai Insurance 4. Salama Insurance 5. Adamjee Insurance 6. Dubai National Insurance 7. Abu Dhabi National Insurance (ADNIC) 8. Cigna Insurance ## Golden Visa Health Insurance Cost in the UAE UAE Golden visa health insurance cost starts from around AED 1,209/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 - 1. **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. 2. **Age of the Insured:** Older visa holders generally face higher premiums due to increased health risks. 3. **Health Condition:** Pre-existing conditions or chronic illnesses may increase the premium, especially for plans that cover these conditions after a waiting period. 4. **Network of Hospitals and Clinics:** Plans that offer access to a wider network of healthcare providers usually come at a higher cost. 5. **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._ ## Renewing Golden Visa Health Insurance Each Year A basic DHA-compliant plan meets the visa requirement, but it typically won't cover specialist consultations, maternity, or care outside the UAE - check the plan tier before you rely on it for more than emergencies. With the right plan, you're covered for routine check-ups, specialist visits, and international medical care when you travel. 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! Diseases - You Should Know About [Critical Illness Insurance for Organ Transplant](https://www.policybazaar.ae/critical-illness-insurance-for-organ-transplant-hiart/) [Liver Cirrhosis](https://www.policybazaar.ae/does-health-insurance-cover-liver-cirrhosis-hiart/) [Cardiovascular Diseases](https://www.policybazaar.ae/health-insurance/articles/cardiovascular-diseases-symptoms-causes-treatment-and-insurance-options/) [Chickenpox](https://www.policybazaar.ae/health-insurance/articles/chickenpox-symptoms-causes-treatment-prevention-and-insurance/) [Asthma](https://www.policybazaar.ae/health-insurance/articles/everything-you-need-to-know-about-asthma/) [Infectious Diseases](https://www.policybazaar.ae/health-insurance/articles/infectious-diseases-types-symptoms-causes-treatment-and-insurance/) [Tuberculosis - TB](https://www.policybazaar.ae/health-insurance/articles/medical-insurance-plans-for-tuberculosis/) [Obesity and Diabetes in Arab Population](https://www.policybazaar.ae/health-insurance/articles/obesity-and-diabetes-in-arab-population/) ### **Health Insurance Popular Searches:** [UAE Insurance Check](https://www.policybazaar.ae/how-to-check-medical-insurance-status-with-emirates-id-hiart/) | [Best Health Insurance in UAE](https://www.policybazaar.ae/top-10-health-insurance-companies-in-uae-hiart/) | [Health Insurance for Parents](https://www.policybazaar.ae/senior-citizen-health-insurance-hic/) | [Family Health Insurance](https://www.policybazaar.ae/family-health-insurance-hic/) | [Dental Insurance in UAE](https://www.policybazaar.ae/health-insurance/articles/dental-insurance-in-uae/) | [Individual Health Insurance](https://www.policybazaar.ae/individual-health-insurance-hic/) | [Health Insurance in Abu Dhabi](https://www.policybazaar.ae/health-insurance-abu-dhabi/) | [Health Insurance in Sharjah](https://www.policybazaar.ae/health-insurance/health-insurance-in-sharjah/) ### 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. **Other Insurance Product -** [Health Insurance](https://www.policybazaar.ae/health-insurance/) | [Term Insurance](https://www.policybazaar.ae/term-insurance/) | [Life Insurance](https://www.policybazaar.ae/life-insurance/) | [Investment plans in UAE](https://www.policybazaar.ae/investment-plans/) | [Travel Insurance](https://www.policybazaar.ae/travel-insurance/) | [Best Health Insurance in UAE](https://www.policybazaar.ae/top-10-health-insurance-companies-in-uae-hiart/) | [Life Insurance Companies in UAE](https://www.policybazaar.ae/which-is-the-best-life-insurance-company-in-the-uae-liart/) | [Mutual Funds UAE](https://www.policybazaar.ae/top-10-best-mutual-funds-in-uae-to-invest-ipart/) | [Travel Insurance UAE](https://www.policybazaar.ae/travel-insurance/uae/) | [Short Term Investment UAE](https://www.policybazaar.ae/7-best-short-term-investment-options-with-high-returns-in-the-uae-ipart/) | [Sip in UAE](https://www.policybazaar.ae/investment-plans/sip-investment/) | [Term Insurance Calculator](https://www.policybazaar.ae/term-insurance/term-insurance-calculator/) | [Car Insurance Dubai](https://www.policybazaar.ae/car-insurance/) | [Best Car Insurance in UAE](https://www.policybazaar.ae/car-insurance/articles/top-10-car-insurance-companies-in-dubai/) | [Car Insurance Abu Dhabi](https://www.policybazaar.ae/car-insurance-abu-dhabi/) | [Group Medical Insurance](https://www.policybazaar.ae/group-health-insurance-hic/) | [Home Insurance Dubai](https://www.policybazaar.ae/home-insurance/) | [Professional Indemnity Insurance](https://www.policybazaar.ae/business-insurance/professional-indemnity/) | [Workmen Compensation Insurance](https://www.policybazaar.ae/business-insurance/workers-compensation-insurance/) ←Previous [Room Rent Limit](https://www.policybazaar.ae/health-insurance/articles/room-rent-limit/) Next→ [Health Insurance for Visitors in the UAE](https://www.policybazaar.ae/health-insurance/articles/health-insurance-for-visitors/) ## Type of Health Insurance * [Medical Insurance Cost](https://www.policybazaar.ae/health-insurance/medical-insurance/) * [Critical Illness Health Insurance](https://www.policybazaar.ae/critical-illness-health-insurance-hic/) * [Senior Citizen Health Insurance](https://www.policybazaar.ae/senior-citizen-health-insurance-hic/) * [Individual Health Insurance](https://www.policybazaar.ae/individual-health-insurance-hic/) * [Family Health Insurance](https://www.policybazaar.ae/family-health-insurance-hic/) * [Maternity Insurance in UAE](https://www.policybazaar.ae/health-insurance/articles/maternity-insurance-in-uae/) * [Health Insurance for Kids](https://www.policybazaar.ae/health-insurance-for-kids-hiart/) ## Health Insurance Company in UAE * [Dubai Insurance](https://www.policybazaar.ae/insurance-companies/dic-health-insurance/) * [Sukoon Insurance](https://www.policybazaar.ae/oman-health-insurance-hipvd/) * [Takaful Emarat Insurance](https://www.policybazaar.ae/takaful-emarat-health-insurance-hipvd/) * [HAYAH Insurance](https://www.policybazaar.ae/insurance-companies/hayah-health-insurance/) * [Orient Insurance](https://www.policybazaar.ae/orient-health-insurance-hipvd/) * [Orient Takaful Insurance](https://www.policybazaar.ae/insurance-companies/orient-takaful-health-insurance/) * [Cigna Insurance](https://www.policybazaar.ae/cigna-health-insurance-hipvd/) * [SALAMA Insurance](https://www.policybazaar.ae/salama-health-insurance-hipvd/) * [Liva Health Insurance](https://www.policybazaar.ae/insurance-companies/liva-health-insurance/) * [Watania Takaful Insurance](https://www.policybazaar.ae/insurance-companies/watania-takaful-health-insurance/) * [National Insurance Company - Daman](https://www.policybazaar.ae/daman-health-insurance-hipvd/) * [Al Sagr Insurance](https://www.policybazaar.ae/insurance-companies/al-sagr-health-insurance/) * [ADNIC Insurance](https://www.policybazaar.ae/adnic-health-insurance-hipvd/) * [Adamjee Insurance](https://www.policybazaar.ae/adamjee-health-insurance-hipvd/) * [DNI Insurance](https://www.policybazaar.ae/insurance-companies/dnirc-health-insurance/) * [RAK Insurance](https://www.policybazaar.ae/rak-health-insurance-hipvd/) * [Alliance Insurance](https://www.policybazaar.ae/insurance-companies/alliance-health-insurance/) * [Allianz Insurance](https://www.policybazaar.ae/insurance-companies/allianz-care-health-insurance/) * [Metlife Insurance](https://www.policybazaar.ae/metlife-health-insurance-hipvd/) * [Union Insurance](https://www.policybazaar.ae/union-health-insurance-hipvd/) * [GIG Gulf Insurance](https://www.policybazaar.ae/axa-health-insurance-hipvd/)