In Abu Dhabi and Dubai health insurance is mandatory for all residents. Abu Dhabi implemented this scheme many years ago but now Dubai has introduced it and it’s making a lot of people wonder why.
If you’re newly hired in Dubai or Abu Dhabi, your employer must provide health insurance.
This is not the case for Ajman, Fujairah, Sharjah, Ras Al-Khaimah or Umm Al-Quwain.
However, health insurance is still the best option for medical coverage across the entire UAE.
You don’t need health insurance if you’re just visiting and enjoying a cheap hotel.
The Dubai Health Authority has basic health insurance package with an annual premium between 500 AED (£103) to 700 AED (£145).
As part of Dubai’s mandatory health insurance, the approved health insurance providers are as follows:
- Abu Dhabi National Insurance Company
- Abu Dhabi National Takaful Company-Takaful
- Adamjee Insurance Co. Ltd.
- Al Ain Ahlia Insurance Company
- Al Fujairah National Insurance Company
- Al Hilal Takaful – Psc
- Al Khazna Insurance Company
- Al Sagr National Insurance Company
- Al Wathba National Insurance Company
- Al-Buhaira National Insurance Company
- Al-Ittihad Alwatani General Insurance Company
- Alliance Insurance Company
- Metlife Alico
- Orient Insurance Company
- Arabia Insurance Company
- Arabian Scandinavian Insurance Company
- Axa Insurance
- Dar Al Takaful (PJSC)
- Dubai Insurance Company
- Dubai Islamic Insurance & Reinsurance Co (Aman)
- Dubai National Insurance And Reinsurance Co
- Emirates Insurance Company
- Green Crescent Insurance Company
- Insurance House – Psc
- Iran Insurance Company
- Islamic Arab Insurance Company (Salama)
- Jordan Insurance Company Ltd
- Methaq Takaful Insurance
- National General Insurance Company
- National Health Insurance Company (Daman)
- National Life And General Insurance Company Saoc
- National Takaful Company – Watania
- Noor Takaful Family
- Oman Insurance Company
- Qatar Insurance Company
- Ras Al Khaimah National Insurance Company
- Royal & Sun Alliance Insurance (Middle East) Ltd
- Saudi Arabian Insurance Company
- Takaful Emarat – Insurance
- The New India Assurance Company Limited
- Tokio Marine & Nichido Fire Insurance Company Limited (Dubai Branch)
- Union Insurance Company
- United Insurance Company
The cost of health insurance in the UAE can cost anywhere between 1,750 AED (£358) all the way to over 50,000 AED (£10,340) per year.
The cost of insurance is dependent on the annual coverage, network coverage, deductible, geographical coverage, dental and maternity cover.
If you’ve never had to worry about private health insurance before you may be unfamiliar with some of the terms.
Annual coverage is the total cost of your medical treatment over one year. This is the maximum amount you can charge to your insurance company before you have to start paying for your treatment yourself.
Network coverage refers to the hospitals, clinics, labs and dentists that will accept your insurance.
Deductible is the amount that you pay for any treatment. For example, if you have a 50 AED (£10.50) deductible, this is the amount you pay regardless of what treatment you have received. Your deductible will usually only be for outpatient treatment and not inpatient.
Geographical coverage refers to the areas where your insurance is valid. Worldwide coverage will cover you for anywhere in the world.
Maternity and dental coverage will let you know whether you’ll be covered for routine dental and routine maternity and childbirth costs. Each policy will have a set coverage and deductible for dental and maternity costs.