Health Insurance Services

Health insurance in the UAE is mandatory for all Dubai residents, as per the Dubai Health Authority (DHA) regulations. This requirement applies to employees, investors, family members, and domestic workers. Without Dubai medical insurance, you cannot apply for or renew a residence visa. All residents are required to have a mandatory health insurance policy that covers basic medical services in government-approved healthcare facilities. Employers are required to provide coverage for their employees, while individuals must arrange insurance for their dependents and household workers.

Medical insurance in the UAE is divided into basic mandatory plans and enhanced coverage options, depending on the applicant’s visa type, income, and specific healthcare needs. In Dubai, the Dubai Health Authority (DHA) classifies insurance plans as follows: — Essential Benefits Plan (EBP): the mandatory DHA health insurance package for low-income employees, domestic workers, and some dependents. It provides basic coverage for emergency treatment, outpatient care, and hospitalisation. — Standard and Enhanced Plans: broader medical insurance in Dubai covering private healthcare services, maternity care, and chronic disease management. These plans are suitable for families, professionals, and investors, including those applying for family health insurance in the UAE. — Golden Visa Insurance: specialised policies for Golden Visa holders, providing at least one year of continuous coverage, renewable throughout the long-term residency period. All insurance policies must be issued by DHA-approved insurance providers and comply with Dubai’s health insurance regulations for visa stamping and residency renewal. The exact coverage and renewal terms may vary depending on the insurance company and selected plan.

To apply for a UAE residence visa, you need a medical insurance plan that complies with Dubai Health Authority (DHA) regulations. The choice of plan depends on your visa type, income, and healthcare needs. For basic visa requirements, you can select a low-cost health insurance plan in the UAE that covers essential medical care. If you need broader protection for your family or prefer access to private hospitals, enhanced insurance plans are available from licenced providers. The key is to ensure that your insurance covers the visa validity period and is entirely accepted for health coverage during visa stamping. EGSH helps you assess your situation and select a DHA-compliant policy from trusted providers, ensuring a smooth and compliant visa application process.

Basic health insurance in the UAE refers to the Essential Benefits Plan (EBP), which is the minimum mandatory medical insurance in the UAE for low-income workers, domestic staff, and specific categories of dependents. In Dubai, this plan is regulated by the Dubai Health Authority (DHA) and ensures access to essential healthcare services. The basic insurance in Dubai covers emergency treatment, outpatient consultations, maternity care, and essential medications, with an annual coverage limit of AED 150,000. It is primarily designed for employees earning less than AED 4,000 per month and for insurance for dependents in the UAE when no enhanced coverage is selected. Employers in Dubai are required to provide health insurance for their staff, while residents sponsoring family members must arrange coverage separately.

You must apply through a DHA-approved insurance company. The process includes selecting a plan that fits your visa type. You will need to submit your Emirates ID (or application form), a copy of your passport, and a copy of your visa page. Depending on your situation, you may choose a basic plan or a more comprehensive medical insurance plan in Dubai that covers private healthcare. Suppose you’re applying for health insurance for a UAE residence visa. In that case, your policy must meet DHA’s minimum standards, which include coverage for emergency services, inpatient and outpatient treatment, maternity care, and essential medications. These standards are defined in the Essential Benefits Plan (EBP) and are mandatory for visa approval. Health insurance for employees in Dubai must include coverage for emergency care, inpatient and outpatient services, maternity care (for female employees), and essential medications, as required by the Dubai Health Authority (DHA). The coverage must comply with the Essential Benefits Plan (EBP) or a higher plan, depending on the employee’s salary and company policy. EGSH helps you choose the right insurance policy in the UAE, prepares your application, and works with certified insurance companies in Dubai to issue your medical insurance certificate quickly and accurately.

The cost of health insurance in the UAE depends on the selected coverage and the applicant’s profile. According to Dubai Health Authority (DHA) guidelines, the Essential Benefits Plan (EBP) — the mandatory health insurance for low-income employees and domestic workers — starts from around AED 525 annually, depending on the insurance provider. Enhanced and premium plans, which cover private healthcare, international coverage, and additional benefits, vary in price and are determined by DHA-approved insurance providers. EGSH assists you in selecting the most appropriate insurance plan for your visa application, ensuring full compliance with UAE healthcare regulations.

To apply for UAE medical insurance, you must provide a set of standard personal documents. For most individual and family applications in Dubai, the required documents are: — Valid passport copy. — Emirates ID copy (or Emirates ID application form) — for residents. — UAE residence visa copy (for visa holders) or entry permit (for first-time applicants). — Personal photo — recent passport-size image with a white background. If you apply for UAE medical insurance for family members, such as your spouse or children, you’ll also need to submit their Emirates ID and passport copies. EGSH reviews your documents, selects the appropriate plan from trusted insurance companies in Dubai, and issues your insurance policy in the UAE, ensuring full compliance with DHA standards.

To obtain an insurance policy in the UAE, applicants must follow a regulated process established by the Dubai Health Authority (DHA) and other emirate-level authorities. The key steps include: — Select a DHA-approved insurance provider. Select a basic or enhanced plan that aligns with your visa requirements and personal healthcare needs. — Prepare your documents. Submit your Emirates ID copy (or application form), passport, UAE residence visa copy, and a recent photo. — Complete the application. The insurance provider will register your details in the DHA e-portal and issue a compliant health insurance plan. — Receive your insurance certificate. Once approved, the insurer will issue your official medical insurance certificate, which is valid for visa stamping and healthcare access. EGSH assists you at every step — from selecting a DHA-compliant insurance policy to fast issuance of your insurance certificate for residence visa processing.

Medical insurance in the UAE must cover family members and dependents if they hold residence visas. Sponsors are legally required to arrange compliant health insurance for their spouses, children, and domestic workers in Dubai. Coverage can include basic plans or enhanced family policies, depending on healthcare needs and budget.

To renew your health insurance in the UAE, you must update your policy before it expires to maintain uninterrupted coverage and comply with the DHA’s requirements. The process includes: — Check your current insurance expiry date, typically aligned with your residence visa. — Submit updated documents, such as a renewed Emirates ID, passport, and visa page, to your insurance provider. — Select your renewal plan, keeping the same coverage or upgrading it to meet new healthcare needs. — Pay the renewal premium and receive your updated insurance certificate. EGSH assists with the renewal of your health insurance process, ensuring your policy remains active and fully compliant for your residence visa and access to medical care.