The United Arab Emirates (UAE) is renowned for its world-class healthcare facilities and services, making it a popular destination for expatriates. Understanding the nuances of health insurance in the UAE is crucial for expats to ensure adequate coverage and access to the best medical care. This guide will provide an overview of health insurance for expats in the UAE, including the types of plans available and how to secure comprehensive coverage.

 Do You Need Health Insurance in the UAE?

Yes, health insurance is mandatory for all residents in the UAE, including expatriates. You must obtain a UAE residency visa with proof of health insurance. The requirements for health insurance coverage vary depending on the emirate:

  • Abu Dhabi: Employers must provide health insurance coverage for their employees and four dependents, including one spouse and three children under 18.
  • Dubai: Employers must provide medical insurance for their employees, but covering dependents is not mandatory.
  • Sharjah and Northern Emirates: Employer-provided health insurance is not mandatory but may change as regulations evolve.

Types of Health Insurance Plans

Health insurance plans in the UAE are categorised into different types to cater to the diverse needs of ex-pats:

1. Individual Health Insurance Plans: Designed for a single person or a family member seeking comprehensive medical coverage beyond the minimum required benefits.

2. Family Health Insurance Plan: Offers coverage for all family members, providing value through significant discounts and comprehensive coverage.

3. Group Health Insurance Plans: Available to groups of employees, these plans can offer discounts and extended benefits for policies with more than 20 members.

4. Traveler Health Insurance Plans: Tailored for individuals or groups frequently travelling to the UAE, these plans offer flexibility and customisation based on the travel itinerary and length of stay.

 Applying for Health Insurance

Expats can apply for health insurance through various insurance companies or brokers in the UAE. A reputable broker like can provide a wide range of health insurance policies. When applying, you must provide basic information, such as your name, gender, age, and details of any dependents. You may also need to complete a health declaration form to disclose any pre-existing medical conditions.

 Benefits of Health Insurance for Expats

Having health insurance in the UAE offers numerous benefits for expats, including:

  • Access to Quality Healthcare: The UAE boasts an array of top-notch medical facilities and highly-trained physicians, ensuring you receive optimal medical treatment.
  • Financial Security: Health insurance protects you from the financial burden of unexpected medical expenses, providing peace of mind.
  • Flexibility: Expatriate health insurance plans often allow you to choose healthcare providers internationally, ensuring access to the best care wherever you require it.


Health insurance is an essential aspect of living in the UAE for expatriates. By understanding the requirements, types of plans available, and health insurance benefits, expats can ensure they have the right coverage to access the UAE’s excellent healthcare services while safeguarding their financial well-being. For a comprehensive and tailored health insurance plan, expats can explore options with, a trusted platform offering a wide range of policies to meet the diverse needs of the expatriate community.

About Author

Rahul Matiwadekar

About Author

Rahul brings more than 10 years of experience in the international banking, insurance, and finance industry, having worked in various roles from advisory to managerial positions. With his extensive knowledge and understanding of insurance, he is here to share his expertise and help you gain a better understanding of insurance products, processes, and more through his easy-to-understand blog posts.