Haris Ashley
Health insurance in Dubai is a mandatory requirement for all UAE nationals and expatriates residing in the emirate. Known as Enaya, Dubai's government health insurance system offers a broad range of coverage, including treatment for almost all types of ailments. The cost of your medical services will depend on the extent of your coverage and the type of policy or scheme you choose. Basic plans cover most medical services provided as an outpatient or inpatient, including diagnosis, treatment, medicines, and child vaccination. Comprehensive plans cover inpatient, outpatient, maternity, and emergency services. It is important to do your research and factor in your age, medical history, budget, and coverage needs before choosing a plan.
| Characteristics | Values |
|---|---|
| Who is eligible for health insurance in Dubai? | Residents of Dubai, UAE Nationals, and Expatriates |
| What does health insurance cover? | Inpatient care, outpatient services, doctor visits, tests, surgeries, prescription drugs, preventive care, emergency services, dental care, vision care, maternity care, medical evacuations, child vaccination |
| What are the benefits of health insurance? | Protection from expensive medical bills, reduces financial burden, access to quality healthcare, faster recovery, peace of mind |
| How to apply for health insurance? | Buy online, through an insurance agent or company |
| What factors to consider when choosing a plan? | Age, medical history, budget, coverage needs, waiting periods, discounts, customer reviews |
| What are some popular insurance companies in Dubai? | Sukoon Insurance, Daman, ADNIC, MetLife, Almadallah |
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What You'll Learn
Eligibility criteria for medical insurance in Dubai
To be eligible for medical insurance in Dubai, you must be a resident of Dubai. This can be demonstrated by providing the following documents:
- Original Emirates ID
- Original passport
- Original residence visa (applicable to expatriates)
Additionally, it is important to note that health insurance is mandatory in Dubai and all government health insurance systems have been unified under the scheme called Enaya. This scheme serves as the healthcare benefits programme for Dubai Government employees and citizens of Dubai. To be eligible for coverage under Enaya, you must be a citizen of Dubai and not already covered by any other government insurance.
When choosing a health insurance plan, it is essential to consider your age, medical history, budget, and coverage needs. Most plans offer individual, family, or group options, and it is important to select one that fits your specific requirements. Dubai health plans typically cover inpatient care (hospitalization) and outpatient services (OPD) like doctor visits and tests. Maternity coverage may be included, but dental and vision plans are usually offered separately.
If you are a visitor to Dubai, travel medical insurance is mandatory for all UAE visa applicants. It is recommended to purchase travel insurance early, as soon as you book your trip, especially if your deposits are non-refundable. When buying travel insurance for Dubai, it is important to find a policy that covers medical emergencies, trip disruptions, loss of personal belongings, and emergency evacuation or repatriation.
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$199.95 $245.95
Mandatory health insurance in Dubai
Health insurance is mandatory in Dubai for all residents. Since 2014, the Dubai Health Authority (DHA) has implemented this requirement in phases, starting with companies with 1,000 or more employees and ending with smaller businesses, domestic workers, and dependents. As of 2017, all registered employers in Dubai are legally required to provide health insurance for their staff, following the guidelines set out by the DHA. This includes sponsors, who must cover their spouses, dependents, and domestic workers if they are not already included in a company plan.
The Essential Benefits Plan (EBP) outlines the minimum level of cover that employers must provide for their employees. This includes an annual limit of AED 150,000 per person on total claims and full coverage for pre-existing and chronic conditions, provided that the insured has not had similar coverage in the UAE within the previous six months. Maternity services are also covered, with eight outpatient visits, inpatient treatment covered up to AED 7,000 for normal delivery, and up to AED 10,000 for medically necessary C-sections and complications. A co-insurance rate of 10% applies to all maternity services.
Dubai residents without adequate health insurance face fines of AED 500 per month, which are added to their visa renewal and cancellation fees. These fines are imposed on sponsors and employers, not employees. As of January 2025, the mandate requiring private employers to provide health insurance to foreign employees and domestic workers will extend to the remaining emirates of the UAE.
When choosing a health insurance plan in Dubai, it is important to consider your age, medical history, budget, and specific coverage needs. Most plans cover inpatient and outpatient services, but additional coverage, such as dental and vision, may be offered as separate plans. It is also essential to review the policy document carefully to understand any hidden clauses or restrictions.
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How to buy medical insurance in Dubai online
Health insurance in Dubai is a mandatory requirement for residents. It helps protect you from expensive medical bills and covers your medical and hospitalisation expenses in the event of a health emergency.
There are a few ways to go about buying medical insurance in Dubai online. Firstly, you can use a service like InsuranceMarket.ae, which has access to a wide range of health and medical insurance providers. They have a team of advisors who will act as personal shoppers, taking you through the covers available and explaining the costs involved. This is a good way to ensure you get the right cover for your needs and circumstances.
Another option is to go directly to an insurance provider, such as Allianz, which offers flexible, affordable expat healthcare plans that comply with Dubai Health Authority (DHA) requirements for visa applications. Their plans include in-patient, day-care, and out-patient treatments, with optional add-ons like dental services and enhanced maternity cover.
When choosing a plan, it's important to consider your age, medical history, budget, and coverage needs. Most plans offer individual, family, or group options, so pick one that fits your requirements. Dubai health plans typically cover in-patient care (hospitalisation) and out-patient services (doctor visits and tests). Maternity coverage may be included, but dental and vision plans usually come as extras.
It's also advised that you purchase a trusted health insurance policy as soon as you move to Dubai. Pre-existing conditions are generally not covered for a certain period after your arrival (usually 30 to 90 days), so getting medical insurance early ensures you are covered after this waiting period.
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Compare medical insurance plans in Dubai
Health insurance in Dubai is a mandatory requirement for residents. It is important to select a suitable insurance plan to cover all your medical needs, from routine check-ups to emergencies.
Dubai's government health insurance system is unified under the scheme Enaya, which serves as the healthcare benefits provider for government employees and citizens of Dubai. Enaya offers a broad range of coverage, including treatment for almost all types of ailments.
There are a variety of insurance plans available in Dubai, including individual, family, and group plans. Individual health insurance is a personal insurance plan that covers medical expenses for individuals not covered by their employer or those wanting more control over their healthcare options. Family health insurance, on the other hand, covers the entire family and offers peace of mind by ensuring timely medical care for loved ones.
When comparing insurance plans, it is important to consider your age, medical history, budget, and specific coverage needs. Basic individual medical coverage is available for Dubai residents, while those in Abu Dhabi can opt for Flexi Insurance. Most plans cover inpatient and outpatient care, including doctor visits, tests, hospital stays, and surgeries. Some plans may also include prescription medications, specialist consultations, and preventive care services. Maternity and childcare benefits are also available in some plans, along with coverage for mental health services.
It is recommended to do your research and compare different insurance providers and their plans, such as those offered by Bayzat, which allows you to compare policies across 19 different companies in Dubai. PolicyBazaar UAE is another option to compare and buy medical insurance starting from AED 4* from top companies.
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Reimbursement claims for medical insurance in Dubai
In Dubai, health insurance is a mandatory requirement for residents. The city offers unified health insurance under the scheme Enaya, which covers government employees and citizens. This scheme offers a broad range of coverage, including treatment for almost all types of ailments.
There are two types of health insurance claims in Dubai: Direct Billing within the network and Reimbursement outside the network. For reimbursement claims, the process is as follows:
Firstly, you will need to pay for your medical treatment upfront. You will then need to submit a reimbursement claim form, signed by your doctor, along with your bank account details, medical reports, discharge summary, invoices, receipts, test results, and prescriptions. It is important to check that your insurance plan covers the treatment, as basic insurance usually only covers emergencies and life-threatening conditions. You should also inform your insurance provider's customer service about the situation within 24 hours to be eligible for reimbursement.
The reimbursement claim can be submitted through the provider's website, mobile app, or by contacting their customer service team. Claims under AED 2,500 are processed within 7 working days, while claims over AED 2,500 are processed within 14 working days.
It is important to carefully select a suitable health insurance plan, considering factors such as age, medical history, budget, and specific coverage needs.
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Frequently asked questions
You can buy medical insurance online at websites like Sukoon Insurance, Policybazaar, and ADNIC. You can also get in touch with Daman, the number 1 Health Insurer in Dubai, to discuss your options.
There are a variety of plans available to suit different requirements and budgets. Some common types of plans include:
- Basic plans that cover most medical services provided as an outpatient or inpatient, including diagnosis, treatment, medicines, and maternity care.
- Comprehensive plans that cover inpatient, outpatient, maternity, and emergency services.
- Platinum, Gold, Silver, and Bronze plans that offer varying levels of coverage and flexibility.
- Plans tailored for companies with more than 10 employees and their dependents.
Here are some key factors to consider:
- Your age, medical history, budget, and coverage needs.
- Whether you need coverage for specific areas such as dental and vision care, which are often offered as separate plans.
- The waiting period for certain medical conditions and treatments.
- Discounts and savings opportunities offered by the insurer.
- The reputation and customer service of the insurance provider.
