UAE health insurance,
priced with confidence.
Health insurance in the UAE is mandatory in all seven emirates, with premiums spanning AED 320 to AED 30,000+/year depending on plan tier, age, and family loading.A 30-year-old at the Plus tier pays around AED 3,600/year; the same plan at 60 runs roughly 2.4× higher. Spouses, children, and parent dependents each add to the base premium; maternity, dental, and vision riders sit on top.This is planning information, not insurance advice — actual premiums depend on insurer underwriting, your medical history, and current rate cards. Always confirm quotes directly with insurers.
DHA / DOH / MOHRE aligned
10 insurers tracked
Updated July 2026
Math-verified
Step 01 · Your household
Tell us who needs cover.
Premiums vary by emirate, age, family size, and network tier. Walk through the five steps below for your tailored estimate.
EmirateSets your regulator (DHA / DOH / MOHRE) and EBP minimum.
Step 02 · Primary insured
How old is the policyholder?
32 yrs
0 yrs75 yrs
Step 03 · Family composition
Who else is on the policy?
Self
Primary insured
1
Spouse
Add your spouse
Children
How many children?
0
Parent dependents
How many parent dependents?
0
Step 04 · Network preference
Which hospital network matters?
We'll surface this tier plus one rung below and one above for comparison.
Step 05 · Optional riders
Top up coverage if needed.
Frequently asked
Health insurance, simply.
01Is health insurance mandatory in the UAE?
Yes, in all seven emirates. Dubai DHA mandates have been in force since 2014, Abu Dhabi DOH since 2006, and the five northern emirates were rolled into a federal MOHRE mandate effective Jan 2025. Visa renewal in every emirate requires active insurance — sponsors and employers carry the legal obligation to fund the policy.
02How much does health insurance cost in the UAE?
Mandate-minimum coverage is a fixed AED 320/year federal Basic Health Insurance package in the northern emirates, and the Dubai employee EBP runs about AED 550-650/year. Mid-tier Plus plans land between AED 3,500-5,500/year per adult. Premium and Elite tiers, with private rooms and global coverage, run AED 7,000-30,000+ per adult. Age is the largest single variable — a 60-year-old pays roughly 2.4× a 30-year-old at the same tier.
03What is the Essential Benefits Plan (EBP) in Dubai?
EBP is the DHA-mandated minimum coverage: AED 150,000 annual limit, inpatient and emergency care, basic outpatient, generic medication, and pre-existing conditions after a 12-month waiting period. It excludes maternity, dental, and optical — you'd add those as riders or step up to a Standard plan.
04DHA vs DOH vs MOHRE — what's the practical difference?
DHA regulates Dubai, DOH regulates Abu Dhabi (and offers Thiqa for UAE nationals at no cost), and MOHRE administers the federal mandate covering Sharjah, Ajman, RAK, UAQ and Fujairah. A multi-emirate plan covers you across all three jurisdictions but costs 15-25% more than a single-regulator plan.
05Does UAE health insurance cover pre-existing conditions?
Yes — UAE regulators require insurers to cover pre-existing conditions, but with waiting periods: typically 12 months on Essential, 6 months on Standard, 3 months on Plus, and immediate on Premium and Elite. Chronic conditions like diabetes and hypertension must be covered after the wait.
06How much do maternity, dental, and vision riders add?
Maternity rider runs AED 2,500-8,000/year depending on tier and deductible. Dental ranges AED 800-3,500/year. Vision is the cheapest at AED 300-1,200/year. All three are mandatory inclusions in Premium and Elite tiers, optional add-ons in Essential and Standard.
07Can I trust these results for buying decisions?
This is planning information, not insurance advice. Actual premiums depend on insurer underwriting, medical history declarations, declared chronic conditions, and current rate cards. Use the result as the upper-bound shopping range and always confirm direct quotes with three insurers before signing.
Last verifiedJuly 3, 2026ProcessYC editorial · monthly drift sweepMethodologyOpen · math shown aboveAffiliateDisclosed · doesn't change rates
DHA dha.gov.aeDOH doh.gov.aeMOHRE mohre.gov.aeCBUAE CBUAE insurance-sector statisticsDecree Federal Mandate 11/2024