The UAE boasts a world-class healthcare system, with both public and private facilities offering high-quality medical care. However, for expats, access to private healthcare is essential and that’s where health insurance comes in. In fact, having health insurance in Dubai and Abu Dhabi isn’t just beneficial; it’s a legal requirement.
Why Is Health Insurance Mandatory?
The government enforces health insurance laws to ensure that all residents can access medical care without financial strain. If you fail to secure health insurance in Dubai or Abu Dhabi, you could face hefty monthly fines:
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Abu Dhabi: AED 300 per uninsured person per month
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Dubai: AED 500 per uninsured person per month
Additionally, in Dubai, authorities won’t renew visas or grant residency permits unless there’s proof of valid health insurance.
Who Provides Health Insurance?
Health insurance policies and coverage depend on the emirate you reside in:
Abu Dhabi
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UAE nationals are covered under the Thiqa program, which provides access to an extensive network of healthcare providers.
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Employers must provide health insurance for their employees, covering one spouse and up to three children under 18.
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Employers pay at least 50% of the dependent’s insurance, while employees or sponsors handle the rest.
Dubai
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The Health Insurance Law of Dubai No. 11 (2013) mandates that all residents have a health insurance policy that meets the Dubai Health Authority (DHA)’s minimum coverage requirements.
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Employers must provide health insurance for employees without deducting from their salary.
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Sponsors must secure private health insurance for their dependents.
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UAE nationals in Dubai can access Saada, a government healthcare scheme.
Other Emirates
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In Ajman, government employees receive health insurance.
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In Sharjah, government employees and their dependents are covered.
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Other emirates may not have mandatory health insurance laws, but securing coverage is still highly recommended.
The Biggest Advantage: Avoiding Financial Risks
Apart from avoiding fines, having health insurance ensures that you’re covered for medical expenses that could otherwise be costly. From routine check-ups to emergency treatments, a health policy helps you access quality care without worrying about out-of-pocket expenses.
Looking for Health Insurance in the UAE?
With Shory’s health insurance, you can get instant coverage online, no paperwork required. Stay compliant, avoid fines and get the protection you need today. For assistance, call 800 SHORY.
