Health coverage in the United Arab Emirates

Do you live in Dubai or Abu Dhabi? If so, you are subject to having mandatory health insurance as required by these two Emirates, but which in turn gives you access to care through their various public and private medical facilities. However, the local coverage is not always sufficient to cope with the often very high cost of healthcare, and so many expats combine it with international health insurance.

Get a quote according to the duration of your stay:

Health insurance for expats in the UAE

How does the healthcare system work in the UAE?
 

There is no social security system as such in the country, but its citizens have free access to its public health facilities. Foreign residents can also seek medical treatment if they have a health card issued by the local ministry, but must still pay their own fees. However, these are lower than those charged by the country's many private health institutions, where patients, whether nationals or expats, have to pay the full cost of their care if they do not have personal insurance. 

In order to balance access to the Emirati health system, Dubai and Abu Dhabi have introduced mandatory health insurance. In the two Emirates, this obligation leans more heavily on employers, who are required to finance private health insurance for all their employees by providing them with basic medical coverage that includes a minimum benefits package set by law (Minimum Health Coverage). 

This employer-sponsored insurance must also cover the dependants of employees working in Abu Dhabi. Although this is not a provision in force in Dubai, it does not relieve the beneficiaries of their insurance obligation, which they must then take out on a personal basis, as is also the case for self-employed persons residing in the UAE.


How to choose health insurance in the United Arab Emirates?
 

Whether taken out by the employer or as an individual, health insurance in the UAE must be obtained from an approved local health insurance company.  

The minimum benefits package must cover hospitalisation, emergencies, routine medicine (general practitioner and specialist), maternity, tests, and prescribed exams. Optical and dental coverage is not mandatory

Moreover, there may also be some deductibles (e.g., for hospitalisation, consultations or maternity) as well as waiting periods for treatment of pre-existing conditions. The choice of hospitals can also be limited. 

To overcome the disadvantages of the basic local insurance, many expats in the UAE choose to supplement it with a more comprehensive international health insurance policy.

What is the cost of healthcare in the United Arab Emirates?

Liste exemple remboursements

SPECIALIST CONSULTATION

For a consultation with a specialist, expect to pay around AED 550 (US$150)

APRIL International up to 129 €*

Out-of-pocket expenses 0€**

HOSPITALISATION - MATERNITY

A natural delivery without complications (3 days in hospital) costs on average AED 18,000 (US$4,900)

APRIL International up to 4219 €*

Out-of-pocket expenses 0€**

HOSPITALISATION - APPENDICITIS

An appendectomy (5 days in hospital) will cost you AED 22 200 (US$6,000)

APRIL International up to 5204 €*

Out-of-pocket expenses 0€**

Disclaimer

Reasonable costs of care in the private sector, APRIL International Care 12/2019.

 

* Example of reimbursement with MyHealth International - Comfort

** Example of the amount to be paid by the insured after reimbursement

Care in the United Arab Emirates

Image
Care in the United Arab Emirates
Content

Choosing hospitals in the EAU
 

In both the public and private sectors, the Emirati health system is at the cutting edge of technology and guarantees a quality of care rarely matched elsewhere in the world. 

Public hospitals, which charge the more moderate rates, are therefore very popular; private establishments, on the other hand, provide very fast and responsive care, as well as optimal comfort. 

The official website of the Emirati government provides information to help you choose among the country's institutions, including:

  • Its primary health centres (which can be accessed before referral to a specialist hospital) and the country's 45 public sector hospitals
  • Public and private hospitals in Dubai and Abu Dhabi, listed on a web platform allowing you to book appointments online
  • The various facilities gathered within the country's Healthcare City (located in Dubai, Abu Dhabi, and Sharjah); these are enormous free zones dedicated to medical care and research, concentrating multiple specialities, and providing very high-quality services.

Titre phone establishment list
Health facilities

Phone establishment list

Titre phone display
Emergency numbers in the UAE

Phone display list
Label
Police
Phone number
Label
Fire
Phone number
Label
Ambulance
Phone number
Services group
Icon
Icono vert 49
Title
100% DIGITAL
Description
To make your life easier, find all your services into a single insurance application: Easy Claim
Icon
Divers vert 15
Title
COVER FROM 1ST EURO SPENT
Description
Reimbursement of health expenses from the first euro/dollar spent, including in private hospitals
Icon
Icono vert 24
Title
OPTIONAL OPTICAL & DENTAL CARE
Description
Reimbursement of optical and dental care
Icon
Icono vert 45
Title
FREE & UNLIMITED TELEMEDICINE SERVICE
Description
Free medical telemedicine service available 24/7 anywhere in the world
Icon
Icono vert 64
Title
REPATRIATION ASSISTANCE
Description
Repatriation insurance ensures your transport and repatriation in the event of illness or accident abroad
Icon
Icono vert 50
Title
NO UPFRONT FEES
Description
In the event of hospitalisation, we pay the bill directly

All destinations >

We care about our clients

The opinion of our customers is important and allows us to better meet their expectations. To this end, we collect the opinions of our policyholders via a questionnaire sent by the independent platform eKomi.

We care about our clients

01/12/2022

Everything was nice, but i dont got the Erstattungsformular

15/11/2022

I thought the help from the Broker (Exclusive Health Care) was excellent. I was very…

11/11/2022

if you like feedback, extend the box up to 2000 characters. what the heck should i write…