Healthcare Calculators
Free financial calculators for UAE residents
Healthcare costs in the UAE can vary significantly depending on whether you choose public or private facilities, your insurance coverage level, and the specific treatments required. The mandated minimum itself differs by emirate: the federal Basic package costs a fixed AED 320 a year, Dubai's Essential Benefits Plan AED 550–650 with a AED 150,000 annual limit, and Abu Dhabi's Basic Product AED 1,200–2,500 with a AED 250,000 limit. Our healthcare calculators help you plan for medical expenses, compare health insurance options across different networks (DHA, HAAD, DOH), estimate treatment costs for common procedures, and budget for maternity care, dental treatments, and annual healthcare expenses. Whether you're comparing insurance premiums from major providers like GIG Gulf, Cigna, Bupa Global, or ADNIC, or estimating out-of-pocket costs for specific medical procedures, our tools provide accurate estimates based on current UAE healthcare pricing.
The Health Insurance Calculator helps you understand premium costs for individual, couple, and family plans across different coverage tiers and network options. Our Medical Cost Estimator provides realistic cost ranges for 30 procedures at both public and private facilities in Dubai, Abu Dhabi, and Sharjah — a GP consultation at AED 150–350, a specialist at AED 300–600, an MRI at AED 1,500–3,500, an appendectomy at AED 15,000–35,000 and a knee replacement at AED 60,000–120,000. The Maternity Cost Calculator breaks down prenatal care, delivery and postnatal care across hospital tiers: a natural delivery runs AED 10,000–25,000 and a C-section AED 18,000–45,000, against a mandated benefit of AED 10,000 per delivery at a 10% co-payment — so the gap you fund yourself is usually the larger number.
All cost estimates are based on current pricing from major UAE hospitals and clinics, insurance provider rate cards, and government healthcare fee schedules. We update our data quarterly to reflect changes in insurance premiums, hospital charges, and regulatory requirements. Use these calculators to compare healthcare options, understand your insurance coverage, estimate treatment costs, and create a realistic healthcare budget for your family in the UAE. For our data sources and methodology, see our Methodology page.
Content verified by Varun Punjabi, Founder & CEO • DHA & DOH regulations verified
Important Disclaimer: These healthcare calculators are for budgeting and planning purposes only. They are not a substitute for professional medical advice, diagnosis, or treatment. Actual medical costs, insurance coverage, and treatment recommendations depend on your specific health condition, insurance plan, provider network, and medical necessity as determined by licensed healthcare professionals. Always consult qualified doctors, insurance providers, and medical facilities for accurate cost estimates and treatment options. These tools do not constitute medical, insurance, or financial advice.
Health Insurance Premium
Premiums by age, family size and tier — from the AED 320/yr federal Basic package and the AED 550–650 Dubai EBP up to comprehensive plans with AED 500,000+ annual limits
Medical Services Calculator
Out-of-pocket cost for 30 treatments — a GP visit runs AED 150–350, an MRI AED 1,500–3,500 and an appendectomy AED 15,000–35,000
Maternity Costs
Delivery costs across Dubai and Abu Dhabi hospitals — AED 10,000–25,000 natural, AED 18,000–45,000 C-section, against the mandated AED 10,000 per-delivery cover
Healthcare Budget Planner
Your annual healthcare budget — premium, the 20% co-payment your plan leaves you, and the treatments insurance excludes