Health Insurance Mandatory in All the Emirates by Q1 2024

Don’t gamble with your health, get the right cover at the right price

Protect your health: AED 4/day for 1 million coverage
Selecting health insurance for
  • Self Only
  • Both Self and Family
  • Family without Self
  • Domestic Workers
  • Investor
Health Insurance



Worldwide Coverage
Wide Choices
Expert Advice

The above plans and premiums are for AED 1,000,000 Sum insured for 1 Adult of 30 Years for Dubai city.

“Towards the conclusion of the first quarter of 2023, health insurance will be required in every emirate of the country” - this new regulation was announced by representatives during the 8th Health Insurance Conference, which was held in Dubai on November 28 and 29, 2022. The meeting was attended by more than 150 professionals from the healthcare and insurance services industries.

Current Scenario of the Health Insurance Law

Currently, only the emirates of Dubai and Abu Dhabi (out of the seven emirates) have mandatory health insurance. Industry leaders claim that in addition to receiving queries from businesses, some of them have already started insuring their personnel. 

Health insurance is presently compulsory in Abu Dhabi and Dubai. In the former Emirate, companies and sponsors are required to provide health insurance to their workers and their families. On the other hand, employers are required to provide health insurance to their employees in Dubai - insurance for families who will be residing with them must be obtained by sponsors.

Health insurance offer banner

Know More about the Announcement

The UAE aims to make health insurance mandatory throughout all emirates, giving citizens and residents a wider selection of medical insurance coverage. However, this does not mean that the fundamental health coverage will be the same in all seven emirates. It has been reported that each Emirate may be free to choose the price of its"basic" health insurance premium.

An Encouragement for Insurers 

This will be one of the largest breaks for the UAE insurance business at a time when the need for the best healthcare coverage has never been more pressing, especially after witnessing the impact of COVID-19. Once put in place, the new mandatory health insurance policy in Sharjah, Ras Al Khaimah, Ajman, Fujairah and Umm Al Quwain may double the premiums from medical insurance of around AED 1 billion over the next two to three years.

As per reports, COVID-19 played a major role in changing the perspective of residents, who may have viewed getting medical insurance as merely a procedure to complete for residency permits and other criteria related to the government.

More Diagnosis Related Group (DRG) payment systems will be used in the UAE healthcare sector to track in-patient, daycare, and surgical costs. This implied that the treatment costs will be "limited or harmonised of the real cost on the healthcare provider's side”.

Health insurance offer banner

Benefit for Residents

As health insurance is now only required in Abu Dhabi and Dubai, a sizable portion of the population lacks adequate coverage. In the UAE, roughly one-third of the population resides in Sharjah, Ras Al Khaimah, Ajman, Fujairah, or Umm Al Quwain. Local residents can profit from the announcement to expand the requirement for health insurance coverage to all the emirates, and it will favourably encourage a premium increase in the UAE insurance industry.

To Conclude

The UAE's insurance industry is expected to prosper in 2023, especially in the first quarter as increasing numbers of residents fall within the medical coverage umbrella, which is being cited as beneficial for both individuals and the insurance providers. How much insurance providers increase premiums with the growth and the other changes, however, would have to be observed over time. 

Policybazaar UAE – Helping you navigate the wilderness of the insurance world!

More From Health Insurance