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Find and compare right Individual Medical insurance for you in Abu Dhabi

We compare health insurance policies from some of the leading insurance providers in Abu Dhabi. We're here to help you get the protection you need.


Individual Medical Insurance in Abu Dhabi

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Health Insurance in UAE

Abu Dhabi sets its own health-insurance framework under the Department of Health (DoH). If you live or work in the capital and are not covered by an employer, you must secure an individual plan accredited by DoH. Plans start under Thiqa (for UAE nationals) and Abu Dhabi Basic for eligible expats.


What is Individual Health Insurance?

Health insurance is a kind of insurance that offers to cover your financial burdens for surgical and medical expenses incurred at a medical institution when hospitalized. Our health insurance in Abu Dhabi helps the policyholder benefit from day-care hospitalization and pre/ post-hospitalization. Moreover, we also offer the flexibility of a cashless hospitalization facility for our policyholders at our network hospitals in Abu Dhabi during the policy's tenure.


Understanding Individual Health Insurance in Abu Dhabi

Abu Dhabi has one of the most comprehensive and rapidly developing health sectors that deliver world-class health care to the population. Governed and administered by specific regulatory authorities, Abu Dhabi enjoys a high standard of care under the Health Authority Abu Dhabi (HAAD.) Combining the support from the Federal with a comprehensive health insurance policy drafted by us, you can benefit from unmatched health protection.InsuranceHub.ae is Cheapest health insurance in Abu dhabi and also Job loss insurance in UAE


Average Cost of Medical Insurance in Abu Dhabi

Having a health insurance policy is a mandate in Abu Dhabi. If your employer fails to provide a health cover, you will have to buy a private health care insurance policy. While the insurance policies in Abu Dhabi are exorbitant, the health care offered is excellent.

  • AED 10,000 per annum is the Average Cost of Health Insurance in Abu Dhabi
  • The incentives for complete health insurance falls around AED 5,500
  • A couple can get comprehensive health insurance as a joint policy costs around AED 36,324 per annum


Even if the cost of medical insurance in Abu Dhabi is one of the costliest in the world, their top medical facilities make it worth every penny.


Benefits of an Abu Dhabi-licensed individual plan


  • Access to the DoH’s extensive SEHA hospital network, incl. Sheikh Shakhbout Medical City and Cleveland Clinic Abu Dhabi

  • Higher mandatory limits than Dubai’s EBP—coverage of AED 250,000/year is standard.

  • Lower outpatient co-pays (usually 20 % capped at AED 50/visit)

  • Direct billing at > 2,000 network facilities in the Emirate

  • Eligibility & documents


  • Valid Abu Dhabi residence visa or Emirates ID.

  • Passport copy, recent UAE entry stamp, and completed health declaration form

  • Pre-approval for chronic conditions if applicable.

  • Why choose an Abu Dhabi-centric policy?


  • If you rarely travel outside the Emirate, a restricted-network policy saves up to 25 % versus nationwide covers.

  • Enhanced maternity sub-limits (up to AED 15,000) may come standard compared with Dubai’s EBP.

  • Employer reimbursement: many small firms in Abu Dhabi reimburse a fixed allowance. Buying your own plan lets you pick superior benefits versus the corporate default.

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    FAQs About Individual Medical Insurance Abu Dhabi

    Is individual medical insurance mandatory in Abu Dhabi?

    Yes. Abu Dhabi law requires every resident to have valid health insurance, including dependents. Employers usually cover employees, but individuals must arrange coverage for dependents.

    What is the minimum coverage required in Abu Dhabi?

    The Department of Health (DOH) mandates that all residents have at least basic medical insurance covering in-patient, out-patient, emergency, and maternity services.

    How much does individual medical insurance cost in Abu Dhabi?

    Premiums vary depending on age, medical history, and coverage level. Basic plans start around AED 700 annually, while comprehensive worldwide policies can exceed AED 10,000.

    Can expatriates without a job buy medical insurance in Abu Dhabi?

    Yes. Freelancers, dependents, and golden visa holders can purchase individual health insurance directly from licensed providers or brokers.

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