Here's a full guide to health insurance in the UAE ¹ ²:
*Healthcare System:*
- The healthcare system in the UAE varies in different regions
- Healthcare is governed at both the Federal and Emirates level
- Government-funded comprehensive health services are provided here in the UAE
- Expats are eligible to avail of both public and private facilities
*Health Insurance:*
- It’s crucial for you to have health insurance
- You aren’t eligible to receive a UAE residency visa without health insurance
- Employers have to provide health insurance coverage for their employees and their dependents
- The extent of coverage for employers and their dependents is determined by the employee’s salary, designation, and a few other crucial factors
*Types of Health Insurance Plans:*
- Individual Health Insurance Plans: These health insurance plans are designed for a particular person or a member of the family looking for comprehensive UAE medical insurance other than the minimum required benefits set by the health insurance regulators
- Family Health Insurance Plan: These health insurance plans can provide great coverage and value with significant offers applicable to all members of a family
- Group Health Insurance Plans: These health insurance plans are provided to a group of employees and can offer important discounts. Other extended benefits are also possible for health insurance policies with more than 20 members
- Traveler Health Insurance Plans: These health insurance plans are for individuals and/or groups who travel to the UAE often; these plans typically allow good flexibility and can be customized as per your travel itinerary and length of stay
*Healthcare Costs:*
- Medical services in the UAE are expensive
- For UAE nationals, public hospitals and clinics are low-cost-to-free
- Expats must pay a fee and can only access the public hospitals and clinics if they have a health card
*Health Insurance Cost:*
- For a reasonably comprehensive medical insurance policy you can expect to pay around 10,000 AED per year (2,720 USD)
- Insurance premiums range from around 5,500 AED per year (1,500 USD) for a thirty-year-old expat on a comprehensive plan to around 33,500 AED (9,120 USD) for a family of four on a comprehensive plan
- A basic coverage plan for a family of four should be around 17,000 AED (4,630 USD)
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