Health Insurance
Access to hospitals, clinics, and specialists when you need them, with the cost of treatment settled directly by your insurer within its network.
The right plan starts with where and how you get care.
Health plans differ most in three areas: the network of hospitals and clinics you can use without paying upfront, the annual limit on what the insurer will pay, and the share of each bill you pay yourself through co-payments and deductibles.
We compare plans across these points against the way you actually use healthcare, including the hospitals near your home and office, any existing conditions, and whether you travel regularly.
- Direct billing at network hospitals and clinics
- Inpatient, outpatient, and emergency treatment
- Maternity, dental, and optical options
- Cover inside and outside the UAE
Health insurance is mandatory for residents of Abu Dhabi and Dubai.
A valid health insurance policy is needed to issue and renew residence visas in both emirates. Employers are responsible for covering their employees, and the rules for covering spouses, children, and domestic workers differ between emirates.
We check that the plan you choose meets the minimum requirements of the emirate that issued your visa.
Individual, family, or group cover.
Cover built around one person
For self-employed professionals, investors, and residents not covered by an employer. You choose the network, annual limit, and optional benefits that suit your health and budget.
Premiums depend on age, medical history, and the level of cover selected.
- Choice of network tier
- Optional dental and optical benefits
- International cover for frequent travellers
- Annual renewal with a clear benefit schedule
One policy for the household
Spouses and children are added to the same policy so the whole family shares one network and one renewal date.
Maternity benefits usually have a waiting period, so it pays to arrange cover well before you plan to start or grow your family.
- Spouse and children on one policy
- Maternity and newborn cover
- Paediatric and vaccination benefits
- Simplified renewals and administration
Group medical for your team
Group plans cover employees, and often their dependants, under one policy with benefits that can be tiered by grade or role.
Group underwriting is based on the whole team, which usually makes cover more affordable than buying individual policies.
- Plans tiered by employee category
- Member additions and deletions throughout the year
- Claims and utilisation reporting
- Compliance with emirate health regulations
What plans usually cover — and what they don't.
Commonly covered
- Hospital admission, surgery, and intensive care
- Specialist consultations and diagnostic tests
- Prescribed medicines
- Emergency treatment, including ambulance
- Maternity care (on eligible plans)
- Physiotherapy prescribed by a doctor
Commonly excluded
- Cosmetic and elective procedures
- Treatment outside the network without approval
- Experimental or unproven treatment
- Fertility treatment on most standard plans
- Pre-existing conditions not declared at application
- Injuries from hazardous sports, unless added
Every plan has its own table of benefits and exclusions. We go through yours line by line before you commit.
Health insurance questions
Answers to the questions people most often ask before choosing a plan.
Can't find your answer? [email protected]
What is a network?
A list of hospitals, clinics, and pharmacies that bill your insurer directly. Using them means you only pay any co-payment at the counter.
What is a co-payment?
The fixed amount or percentage of each bill you pay yourself, for example 10% of an outpatient visit up to a cap. Lower co-payments usually mean higher premiums.
Are pre-existing conditions covered?
Many plans cover declared pre-existing conditions, sometimes after a waiting period or within a sub-limit. They must be disclosed on your application.
How long is the maternity waiting period?
It varies by plan, but waiting periods are common. Check the benefit table and arrange cover in advance.
Can I keep my cover if I change jobs?
Group cover ends when you leave the employer. You can move to an individual plan, ideally without a gap, so that continuity of cover is preserved.
Does my plan cover me abroad?
Some plans include emergency cover abroad, while others extend to planned treatment in selected regions. Check the area of cover in your schedule.
Need protection for your future?
Global coverage, trusted assurance. Our advisors are available Mon – Sun 9:00 AM – 6:00 PM.