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Doctor consulting a patient in a bright modern Dubai clinic

Personal

Medical Insurance

Health insurance is mandatory in Dubai and tied to your residence visa. We arrange compliant individual and family plans that actually fit how and where you use healthcare.

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Dubai made health insurance compulsory under Law No. 11 of 2013, rolled out through the Dubai Health Authority's ISAHD programme. Every resident must hold cover meeting the emirate's minimum benchmark, currently built around an annual limit of AED 150,000 with emergency, inpatient, outpatient and maternity benefits, and a visa cannot be issued or renewed without compliant cover. Going uninsured attracts a fine of AED 500 per month until cover is in place.

The market runs from the Essential Benefits Plan, a capped, low-cost plan designed for those earning under AED 4,000 a month with indicative premiums in the mid-hundreds of dirhams a year, up to comprehensive international plans with worldwide networks, full maternity and dental, and direct billing at premium facilities. Major names include Daman, Sukoon (formerly Oman Insurance), GIG Gulf (formerly AXA Gulf), Cigna, MetLife, Orient and Allianz partnerships, with Bupa Global plans available locally through Sukoon.

Choosing well is mostly about the network and the exclusions rather than the headline premium: which hospitals you can walk into, how pre-existing conditions are handled at underwriting, what maternity waiting periods apply, and whether the plan travels with you. We compare plans across insurers through licensed brokers, explain the trade-offs in plain language, and handle renewals so cover never lapses against a visa deadline.

What we arrange

  • DHA-compliant individual and family plans
  • Essential Benefits Plan placement for eligible members
  • International plans with worldwide networks
  • Maternity, dental and optical benefit structuring
  • Pre-existing condition underwriting support
  • Network comparison across major UAE insurers
  • Visa-linked renewal management
  • Claims escalation when insurers drag their feet

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Is health insurance mandatory in Dubai?

Yes. Dubai Law No. 11 of 2013 makes health insurance compulsory for every resident, and compliant cover is required before a residence visa can be issued or renewed. Individuals without cover face a fine of AED 500 per month until they are insured.

What is the minimum cover required?

The Dubai benchmark plan provides an annual limit of AED 150,000 including emergency treatment, inpatient care, outpatient services and maternity. Most professionals choose plans well above the minimum for better networks and benefits.

What is the Essential Benefits Plan?

The EBP is Dubai's capped starter plan for employees earning under AED 4,000 a month and for non-working dependents. Premiums are set at an indicative few hundred dirhams a year with co-pays on treatment, and the annual limit is AED 150,000. It satisfies the legal requirement but the network and benefits are basic.

Are pre-existing conditions covered?

Declared pre-existing conditions are typically covered after underwriting, sometimes with waiting periods or loadings depending on the plan and insurer. Non-disclosure is the main reason claims get rejected, so we help you declare properly at application.

Which insurers should I consider?

Depending on budget and network needs, the shortlist usually includes Daman, Sukoon, GIG Gulf, Cigna, MetLife, Orient and Allianz-partnered plans, with Bupa Global available through its local partnership with Sukoon. The right answer depends on the hospitals you want and how you use care, which is exactly what we scope before quoting.

Other cover we arrange