Health Insurance helps you navigate unplanned medical expenses. Apart from being a mandatory requirement, health insurance Dubai protects you from expensive medical bills and treatments. It helps reduce the financial burden of costly medical treatments and protects you and your family against financial loss due to unexpected health issues. From routine check-ups to major surgeries, choosing the right insurance plan is vital so that it will cover all your medical needs. ...read more
Health insurance, also known as medical insurance, is a type of policy that covers your medical expenses. It includes doctor visits, hospital stays, surgeries and sometimes prescription drugs. In exchange for a monthly premium, the insurance company shares the cost of your healthcare, which reduces the financial burden of expensive treatments.
With the right health insurance in uae, you are better prepared for unexpected medical emergencies and can access quality healthcare without worrying about overwhelming costs. It also promotes regular health monitoring and helps prevent serious conditions through early intervention.
Top Health Insurance Dubai Plans - 2026
Explore Tailored Health Insurance UAE Plans to Safeguard Your Future
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.
Our sole focus is on streamlining and enhancing the entire journey of our customers' policy ownership, starting from the moment of purchase through the claims process. With a dedicated team of health insurance claim specialists, we are committed to overcoming challenges, whether it's dealing with denied claims, expediting pending claims, managing document submissions, or providing assistance round the clock.
Families wanting inclusive coverage for all family members
Senior Citizens Plan
Elderly individuals (usually above 60 years) requiring more frequent medical care
Kids Plan
Children and adolescents requiring paediatric care
Health Insurance Types by Coverage Level in UAE
There are majorly three types of health insurance plans in UAE on basis of coverage Level—
Feature
Basic Plan
Semi-Comprehensive Plan
Comprehensive Plan
Annual Limit
AED 60,000–250,000
Up to AED 1,000,000
AED 250,000 – several million
Network
Limited (UAE only)
Wider (UAE + optional regional)
UAE + Worldwide (with/without USA)
Inpatient
Covered (general ward)
Covered (semi-private)
Private room
Outpatient
Minimal/Not covered
Covered with co-pay
Fully covered/minimal co-pay
Maternity
Usually limited
AED 10,000–15,000
AED 20,000–40,000+
Best For
Visa compliance
Families & value-seekers
Frequent travellers, top-tier coverage
Read More
1. Basic Plan: A Basic Plan is the most affordable, entry-level policy designed mainly to meet mandatory visa and regulatory requirements. Typically offered under Dubai’s EBP (Essential Benefits Plan) for low-salary employees, it’s best for individuals looking for budget friendly coverage and require less doctor visits.
2. Semi-Comprehensive Plan: A Semi-Comprehensive Plan is a balanced mix of affordability and wider coverage, making it ideal for most residents and employers offering group health coverage. This plan is suitable for families, couples, and individuals seeking good coverage without high premiums.
3. Comprehensive Plan: A Comprehensive Plan is the top-tier option offering extensive local and international medical coverage. Some plans even offer concierge-style medical support and access to premium hospitals globally. If you are a frequent traveller, earning high income, or a corporate employee seeking robust coverage, this plan can be a best option for you.
Medical Insurance VS Health Insurance - Explained!
Aspect
Health Insurance
Medical Insurance
Scope of Coverage
It’s a broader term comprising medical insurance, dental insurance, vision insurance, etc.
Covers hospitalization costs, surgeries, and some specialist consultations.
What is covered?
Medical, dental, vision care, outpatient care (depending on plan).
Inpatient care, surgeries, emergency room visits.
Focus
Offers a wider range of coverage options depending on individual needs.
Primarily covers costs associated with hospital stays and major medical events.
Network
You get access to a wider network of clinics and hospitals.
You get access to a limited network of clinics and hospitals.
Preventive care
Mostly covers preventive care services.
May not cover preventive care expenses for vaccinations and checkups.
Cost
Costs are lower for premiums as coverage is limited.
Costs are higher for premiums as it offers comprehensive coverage.
When to Buy Health Insurance Plans in Dubai, UAE?
It’s advised you purchase a trusted health insurance in UAE, as soon as you move to Dubai. Generally, pre-existing conditions are typically not covered for a certain period after moving to Dubai (usually for 30 to 90 days). However, getting medical insurance early ensures you are covered after this waiting period.
Also, if you are planning to start a family, make sure to consider health insurance dubai plans that cover maternity and childcare.
Why Is Health Insurance Mandatory in Dubai, UAE?
Health insurance is a legal requirement for all residents in Dubai and across the UAE. As per the laws, every individual, whether working or living in the country, must have access to essential healthcare services without facing heavy financial burdens.
The government introduced mandatory medical insurance in Dubai to —
Protect public health by ensuring that everyone has access to basic medical care
Reduce pressure on public hospitals by encouraging people to use private medical facilities covered by insurance
Ensure visa compliance because valid health insurance is now a requirement for renewing or issuing residency permits.
Support employers and workers, as the government offers affordable health packages to reduce costs for businesses while ensuring employee well-being.
From January 1, 2025, employers in the UAE are required to purchase a basic medical insurance dubai policy for their employees to process residency visas. This policy covers essential medical services and includes affordable treatment options through approved networks. The initiative also helps families of workers gain access to similar health benefits. In most cases, dependents can be added to the same insurance plan for a nominal cost.
Fines & Penalties for Not Having Health Insurance in UAE
Health insurance is mandatory in the UAE. Failing to comply as an individual or an employer can lead to strict penalties, fines and visa-related restrictions.
Penalties for Individuals (Residents / Employees / Dependents)
Violation
Penalty
No valid health insurance (Dubai - Law No. 11 of 2013)
AED 500/month until health insurance is obtained.
No insurance for dependents (e.g., spouse, children, housemaid)
AED 500/month per dependent.
Visa renewal application without proof of health insurance
Visa application is suspended until valid insurance documentation is submitted.
Submitting fraudulent health insurance documents
Fines, legal proceedings and potential visa cancellation or deportation.
5 Reasons Why You Should Buy Medical Insurance in Dubai, UAE
Medical insurance dubai plans covers your medical and hospitalization expenses, in the event of a health emergency. Here are a few reasons why you should have a health insurance plan beyond the mandatory scheme.
1. Financial protection from unexpected medical bills
It’s always better to have the right medical insurance coverage so that you can protect your finances from costly medical bills.
2. Coverage for a wide range of medical treatments and procedures
Usually, most health insurance policies cover a wide range of medical treatments and procedures. If not planned for, these expenses can drain your savings.
3. Access to better hospitals and healthcare providers
Choosing the right health insurance plan is critical to you having access to the best hospitals and healthcare providers, especially in the case of a medical emergency, when you need the best care and treatment.
4. Coverage for preventative care
Most people do not consider the expenses they are likely to incur for preventive care. A good health insurance policy will ensure you can meet any out-of-pocket expenses, including preventive care without hospitalization.
5. Peace of mind knowing you're covered in case of an emergency
The best part about having a good health insurance policy is that it helps you focus on recovering faster without having to stress about costly medical bills.
Things to Know Before Buying a Health Insurance in UAE
Do your research before purchasing medical insurance dubai plans. Consider the following points before making a purchase...
Types of health insurance plans
Most health insurance plans offer Basic, Semi-Comprehensive and Comprehensive plan. Pick one that fits your requirements.
Policy Coverage
Dubai health plans typically cover in-patient care (hospitalization) and out-patient services (OPD) like doctor visits and tests. Maternity coverage may be included, but dental and vision are usually offered as separate plans. So, read the policy offer document carefully, so that you do not miss out on any hidden clauses.
Factors to consider when choosing a medical insurance dubai plan
Always factor in your age, medical history, budget, and coverage needs, before choosing a plan. Some health insurance plans have riders and clauses and may not cover all your medical requirements. Hence, it’s vital to consider these factors while selecting a health insurance policy for yourself and your family.
Review feedback
See what customers have to say about the insurance companies' service and overall experience.
Know more about the waiting period
Consult the medical insurance dubai agent about the waiting period for certain medical conditions and treatments.
Ask about No-Claim Bonus
Enquire about the discounts available for not making medical claims, resulting in more savings.
Discover more about the claim process
It’s vital to know the procedure to be followed while filing medical insurance claims and receiving reimbursements, especially in the case of emergencies. Also, ask about in-paitent and out-patient health insurance.
How Can I Get Low-Cost Health Insurance Plans in UAE?
Finding affordable health insurance in UAE takes a bit of planning. Here are some tips to help you get the right coverage without paying more than you need to —
Don’t Wait Until the Last Minute: Leaving your Health insurance search until the final days can lead to rushed decisions and higher prices. Take time to review your options, compare policies, and understand what’s included. Rushing often means picking the first plan you see, which might cost more and offer less.
Get Help from Policybazaae Experts: Finding a deal on your own can be challenging. Our Health Insurance advisors know the market well and can help you compare multiple plans in less time. We can guide you toward plans that offer good coverage at better prices.
Focus on Value, Not Just Cost: Choosing the cheapest policy might seem like a win, but it could leave you underinsured when you actually need care. Always check what’s included, like specialist visits, hospital access, or maternity benefits, and make sure it meets your needs. The goal is to get the best value for your budget, not just the lowest number.
Health Insurance Inclusion & Exclusions in Dubai
What is covered under health insurance ?
What is not covered under health insurance ?
Before starting the process to buy health insurance, first understand the key inclusions and exclusions —
In-Patient Service - Hospital accommodation, ambulance service, emergency treatment, repatriation costs, and pre-existing conditions
Out-Patient Service - Newborn cover, laboratory tests ( X-ray, CT-Scan, and MRI ), physiotherapy treatment, and more
Maternity Coverage - In-patient and out-patient services, complications, miscarriage and legal abortion coverage
Pre-Existing and Chronic Conditions - Each provider has its own coverage features and rules for pre-existing and chronic diseases.
Vaccines and Preventive Services - Covered as per the schedule of the policy
Emergency Cases - Hearing, Vision, Dental and Gum Treatment
Physiotherapy Treatment - A certain number of sessions per member are covered by some plans
While the exclusions of the plans by top Medical insurance companies vary as per the chosen plan, some of the general exclusions are as follows —
Surgical and non-surgical treatment for obesity
Cosmetic surgeries
Growth hormone therapy unless medically suggested
Services and treatments for contraception, sex transformation, or sterilisation
External prosthetic devices and medical treatment
Treatments required due to injuries caused by professional sports activities
What are the Eligibility Criteria to Buy Medical Insurance in UAE ?
Category
Eligibility / Requirement
Age
0 to 99 years
Residency Status
Must be a resident of Dubai with a valid Emirates ID
Tourists & Visitors
❌ Not eligible under mandatory health insurance schemes
Employment Status
Mandatory for all employers to insure employees — dependents must be covered by sponsors
Domestic Workers
Required to be insured by their sponsor (household employer)
Documents Required to Renew or Buy Medical Insurance in Dubai, UAE
Here is a checklist of the documents commonly required for buying Medical insurance in UAE —
Original Emirates ID
Original passport
Original residence visa (applicable to expatriates)
Note: The concerned insurance provider may require additional documents as per its requirements.
Health Insurance TPA - Third Party Administrator in UAE
In the UAE, policyholders can make both cashless and reimbursement claims. Mentioned below are the general steps for both types of claims —
Cashless Claims
Go through the list of network hospitals mentioned in your policy document.
Select your preferred hospital and get in touch with its insurance help desk.
Provide your policy details and fill in the pre-authorisation form.
Upon submitting the form and other details, your claim process will be initiated and the hospital bills will be directly settled between your insurance company and the hospital.
Reimbursement Claims
You can go to any hospital or clinic, inside or outside the UAE — even if it’s not in your insurer’s network
Settle the full bill yourself at the time of treatment
Collect all the necessary documents like
Original payment receipts
Doctor’s report
Itemised invoices
Diagnostic reports and more
Download and fill up the reimbursement form, which you’ll find on your insurer’s website or customer portal
Submit your health insurance claim through email, insurer’s app, or online portal
The insurer will review and verify the documents — additional details may be requested if needed
Upon approval, the amount is transferred to your registered bank account
With Policybazaar.ae, you can buy and even quickly renew medical insurance dubai plans online. If you purchased from our platform, simply follow these steps —
Log into your Policybazaar.ae account.
On the dashboard, a list of your insurance plans will appear.
Locate and select your health insurance plan that has to be renewed.
Choose the option to renew the policy and review it.
Make customisations, if required, and follow the prompted steps to proceed with the renewal process.
Note: Once renewed, the policy details will be sent to your registered email ID.
If you got your plan from another platform, you can fill up the lead form in the health insurance section of Policybazaar.ae. One of our representatives will connect with you and guide you through the renewal process.
FAQ about Health Insurance in UAE
Health Insurance
Claim
Coverage
Can I buy more than 1 Medical insurance in UAE?
No. According to UAE law, you cannot have dual health insurance in UAE. Each person must have only one health insurance policy.
Can I cancel my Medical insurance at any time?
No, you generally cannot cancel your medical insurance anytime in the UAE. Some insurers offer a 30-day cooling-off period, but this is not standard practice. Cancellation is usually allowed only in specific cases like visa cancellation or death. Always check your insurer’s terms.
Is it possible to switch to a new health insurer at any time?
Yes, you can switch to a new health insurer but with certain restrictions. You usually have to wait for the renewal period or meet special criteria such as job changes or visa updates. Mid-year switching is restricted.
Which is the best health insurance plan?
There is no single “best” health insurance plan for everyone, but the top-rated health insurance plan in the UAE in 2026 include — NE-Med, NE Med Lite, I-Med, D-Med (HSB), E-Med PCP-RN3.
Is health insurance free in UAE?
Individual health insurance is not free in the UAE for most residents. Emirati citizens receive free or subsidised healthcare through government programs like Saada (Dubai) and Thiqa (Abu Dhabi). However, expatriates, residents, and tourists must buy health cover — either through employers, sponsors, or independently. Just note that health cover provided by employers is usually free.
Why do I need health insurance if I am young and healthy?
Even if you are healthy today, a sudden illness, accident, or surgery can be very expensive in the UAE. Buying health insurance early usually means lower premiums and fewer exclusions. It also means you finish waiting periods sooner. This way, when you really need medical insurance later, you already have full protection.
Who regulates health insurance in the UAE?
Regulation depends on the emirate: Dubai: Dubai Health Authority (DHA) Abu Dhabi: Department of Health – Abu Dhabi (DoH, earlier HAAD) Federal level and other emirates: the Ministry of Health and Prevention (MoHAP) and local authorities
Who is responsible for providing my health insurance in Dubai?
If you are employed by a Dubai-licensed company, your employer must provide a health insurance Dubai policy that meets DHA rules. If you are a sponsor (for example, of your spouse, children, or domestic worker), you are responsible for arranging their medical insurance Dubai.
Can I buy health insurance in Dubai if I am a freelancer or self-employed?
Yes. If you are a freelancer, self-employed, or between jobs, you must arrange your own health insurance Dubai plan. Several insurers and brokers offer DHA-compliant basic and enhanced medical insurance plans designed for such profiles.
Can I buy health insurance without having a job?
Yes, you can buy health insurance even if you don’t have a job. Many insurers in the UAE allow individuals to buy personal or family plans. You just need a valid UAE residency and a sponsor for your visa.
Who cannot get health insurance in UAE?
Most residents can get health insurance, but some plans may deny or limit coverage for certain medical conditions or treatments. Short-term visitors and people without valid residency are usually not eligible for regular health insurance plans. Some benefits may also be excluded if conditions are not declared.
How much does personal health insurance cost?
Basic personal health insurance in the UAE generally starts from around AED 4 per day. Prices vary based on age, health, and coverage — basic plans are cheaper, while full outpatient and maternity plans cost more. Always check what is included before choosing a plan.
What documents are required for a Medical insurance reimbursement claim?
You usually need the following documents for medical insurance reimbursement claim - filled and signed claim form (by doctor and patient), itemised invoices with treatment and service breakdown, payment proof (receipts, bank slips), and doctor’s prescription and reports if applicable.
How long does it take to settle a reimbursement claim?
It usually takes about 2–3 weeks to settle a health insurance reimbursement claim in the UAE. However, the actual time can vary depending on the insurance provider, the accuracy of your submitted documents and the complexity of the claim. Some insurers may process claims faster, while others might take longer.
In which circumstances can insurance companies deny claim requests?
Health insurance claims can be rejected due to incomplete or missing documents and unlisted services (not covered under the policy). They can also be rejected due to delays in claim submission or excluded conditions (like pre-existing illnesses not disclosed).
How does an insurance claim work?
An insurance claim is a way to ask your insurance company to pay for your medical treatment. If you go to a hospital that is in your insurance network, you don’t need to pay. The hospital will send the bill directly to the insurance company — this is called a cashless claim. If you visit a hospital that is not in the network, you have to pay the bill first. Then, you send the receipts, reports and a claim form to your insurance company. They will check everything and decide if they will pay you back.
What are the 4 stages of Medical insurance claims?
Here are the four steps in Medical insurance claim. The first one is notification, where you inform the insurer about the treatment or medical event, usually through a claim form or online portal. Next is documentation, where you submit all necessary documents such as bills, prescriptions and reports. After that comes assessment, where the insurer reviews your claim to check if it meets policy conditions. Finally, comes the settlement. If approved, the insurer pays the hospital (for cashless) or reimburses you (for reimbursement).
Does UAE health insurance cover all diseases?
UAE health insurance does not cover all diseases. Most common illnesses, emergencies, and chronic conditions are covered, but exclusions apply. Pre-existing conditions may have a waiting period. Similarly, treatments like dental, vision, psychiatric care, and cosmetic procedures are often not included unless specifically added.
What is the most common health insurance coverage?
In the UAE, the most common health insurance coverage is through basic employer-provided plans under government guidelines like DHA Essential Benefits Plan (EBP). These plans include outpatient care, emergency services and basic inpatient coverage with annual limits starting from AED 150,000. They are popular because they meet legal requirements and are affordable for employers.
What is the minimum coverage for DHA?
According to the Dubai Health Authority (DHA), the minimum coverage under the Essential Benefits Plan (EBP) includes an annual limit of AED 150,000. For inpatient care, there is a 20% co-payment, limited to AED 500 per visit and a maximum of AED 1,000 per year. The plan also includes outpatient care like doctor visits, diagnostic tests, and minor procedures, with a 25% co-payment capped at AED 100 per visit. This plan is mandatory for low-income workers, dependents, and some visa holders in Dubai.
Are pre-existing conditions covered ?
Yes, most health insurance plans in the UAE — including the basic plans — cover pre-existing conditions. However, a waiting period of upto six months may apply.
Who is eligible for free health insurance?
Free or government-funded health insurance is mainly for UAE nationals under specific programmes like Thiqa. Expat residents usually need to buy their own insurance or get it through their employer.
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Mohamed FaizalDubai, 9 January 2026
★★★★★
Excellent experience overall!I compared several health insurance plans in Dubai on Policybazaar.ae before renewing my policy, and it saved me both time and money. The interface is very user-friendly, and I could adjust filters like coverage limits, deductible, and provider networks easily. Best part — I found a better plan than my last one at a lower premium. The whole purchase was completed in minutes, and the digital documents were sent instantly.
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★★★★★
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