The United Arab Emirates (UAE) has taken a significant step toward ensuring comprehensive healthcare for its residents by introducing a nationwide mandatory health insurance policy, effective January 1, 2025. This initiative now extends to all seven emirates, making healthcare more accessible and affordable - especially for private sector employees and domestic workers.
Overview of the New Policy
Coverage Expansion
The new mandate builds upon the existing health insurance systems in Abu Dhabi and Dubai, expanding coverage to Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah, and Fujairah. This ensures universal basic health coverage for all private sector workers and domestic helpers across the UAE.
Cost and Benefits
Starting at just AED 320 per year, the policy includes:
- Coverage for chronic conditions from day one (no waiting period)
- Employer - funded insurance, required for residency permit issuance or renewal
Co-payments and Coverage Limits
- Inpatient care: 20% co-pay, capped at AED 500 per visit and AED 1,000 annually
- Outpatient care: 25% co-pay, up to AED 100 per visit
- Medications: 30% co-pay with an annual limit of AED 1,500
Insurance in Dubai: A Model City
Dubai has long been a leader in the UAE’s healthcare reforms. Through the Essential Benefits Plan (EBP), residents with lower incomes receive comprehensive medical coverage, including emergency care, surgeries, and maternity benefits.
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How to Get Medical Insurance in the UAE
Employer-Sponsored Plans
Under the 2025 mandate, most employees will receive coverage through their employer. Insurance must be purchased from approved providers, such as those in the DubaiCare Network.
Individual Insurance
Residents who are not covered by employers -or who seek enhanced protection , can directly purchase individual health insurance plans from licensed providers.
Travel Insurance for Visitors
Visitors are still required to carry valid travel insurance that includes medical coverage for the duration of their stay in the UAE.
InsuranceHub.ae: Your Partner in UAE Health Coverage
Navigating health insurance options can be complex. That’s where InsuranceHub.ae steps in. From expert advice to tailored insurance packages, the platform helps individuals and businesses find the right medical insurance solution to suit their needs.
A Major Leap Toward Universal Health Coverage
The UAE’s 2025 healthcare policy represents a bold and forward-thinking approach to universal coverage. By making medical insurance mandatory nationwide, the country is fostering a healthier, more secure society, where access to care is a right—not a privilege.
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