1. What changed on 1 January 2025?
- Unified Basic Health Package (UBHP) applies across all seven emirates.
- Employers must insure domestic workers and part-timers.
- Chronic and pre-existing conditions are covered from day one.
- Tele-medicine and mental-health sessions added to mandatory benefits.
2. UAE medical insurance prices in 2025
| Plan tier | Annual limit | Price range (AED) | Target group |
|---|---|---|---|
| Basic UBHP | 150,000 | 320 – 750 | Low-income employees, dependents |
| Standard Enhanced | 500,000 | 1,200 – 3,500 | SMEs, families |
| Comprehensive Regional | 1 million | 3,500 – 6,500 | Executives, chronic patients |
| Worldwide incl. USA | 2 million | 7,000 – 15,000 | Frequent flyers, high-net-worth |
Factors driving cost:
- Age and medical history (loading 5-30 %)
- Network tier (A hospitals vs C clinics)
- Optional dental, optical, maternity top-ups
3. Visitor and tourist medical options
Visitors must show medical proof if applying for visas longer than 30 days. UAE medical insurance for visitors starts around AED 45 for a week, covers emergency treatment and repatriation up to USD 100,000 and is purchasable online within minutes on insurancehub.ae.
4. Understanding your UAE medical insurance card
Every policy now issues a digital uae medical insurance card with a QR code that clinics scan to verify eligibility and co-pay instantly. Save the e-card to your phone wallet; physical cards are optional.
5. How to buy medical insurance online in the UAE
- Visit insurancehub.ae and choose “Health”.
- Enter personal details, visa type and desired coverage area.
- Compare live quotes from 50 + insurers with transparent co-pays.
- Pay securely; receive policy documents and card in under 24 hours.
6. Claim process simplified
- For cashless treatment, show your card; the provider bills the insurer directly.
- For reimbursement, upload invoices via the insurer’s portal; average turnaround is 7-10 working days.
Conclusion
Navigating the new healthcare landscape is easy when you understand benefits, prices and digital processes. Whether you are comparing uae medical insurance prices or need quick cover for relatives, start with insurancehub.ae for unbiased advice, instant quotes and compliant policies.
