Entrepreneurship in Abu Dhabi is booming- thanks in part to the Department of Health’s (DoH) tailor-made insurance programme that lets start-up founders access affordable, modular medical insurance UAE-wide. If you hold a “Tajer” or Free Lance permit, or you run a small consultancy from home, here’s how the new scheme works and why InsuranceHub.ae is the quickest route to enrol.
What Makes the Entrepreneur Policy Unique?
- Lower income threshold: Applicants earning at least AED 5,000/month qualify.
- Customisable premiums: Choose monthly, quarterly or annual payments- ideal for fluctuating cash flow.
- Family inclusion: Add spouse, children and even parents on the same policy number.
- Generous limits: Overall annual cap of AED 150,000 with 100 % emergency cover anywhere in UAE.
Comparing Entrepreneur Cover with Standard Basic Plans
| Feature | DoH Entrepreneur Plan | Standard Abu Dhabi Basic |
| Eligibility | Freelancers & licence holders | Employees earning < AED 15,000 |
| Outpatient copay | 20 % (capped AED 50) | 20 % (no cap) |
| Medication share | 30 % (up to AED 1,500/year) | 30 % (up to AED 1,000/year) |
| Premium flexibility | Monthly/quarterly | Annual only |
| Add-on options | Dental, vision, global travel | Limited |
Application Workflow - Faster via InsuranceHub.ae
- Visit the dedicated entrepreneur page on InsuranceHub.ae and upload your trade licence, Emirates ID and income proof.
- Pick preferred payment schedule; the portal shows real-time discounts (often 8 % off for annual payment).
- Receive digital DoH approval within 24 hours and download your e-card.
- Integrate the policy into your business visa renewal to avoid penalties.
Optimising Coverage Without Overspending
- Select “Abu Dhabi + Dubai” network if most client meetings happen in both emirates; skipping Northern Emirates lowers cost by roughly 12 %.
- Activate free wellness screenings included in some insurer packages - early detection reduces long-term medical spend.
- Revisit your deductible when cash flow improves; lowering it later can attract better hospital networks at renewal time.
Real-World Founder Scenario
Sara (32), a graphic designer earning AED 9,000 monthly, chose the entrepreneur plan via InsuranceHub. By opting for quarterly payments and excluding global travel cover, her premium dropped to AED 183 per month while maintaining a robust Abu Dhabi network. Her spouse and infant were added for an extra AED 140 monthly—significantly cheaper than buying separate family cover.
Abu Dhabi’s Entrepreneur Health Cover gives freelancers and start-up founders the flexibility they need - affordable premiums, modular add-ons, and family protection under one plan. By comparing options on InsuranceHub.ae, you can customise coverage, control costs, and secure the peace of mind every business owner needs to focus on growth.
