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Healthcare Budget Planner
Plan your complete healthcare budget for the year. Track insurance, medical visits, medicines, dental, optical, and emergency funds.
Your Healthcare Expenses
Enter your expected annual healthcare costs
Annual Health Insurance
Total yearly insurance cost for your family
Monthly Budget
AED 642
Regular expenses only
Annual Total
AED 7,700
Planned healthcare costs
Annual Budget Breakdown
- Insurance
- Doctor Visits
- Medicines
- Dental
- Optical
Emergency Fund (One-Time Savings Target)
2026 Mandatory Health Insurance in UAE: DHA, DOH, Premium Tiers, and EBP vs Comprehensive Plans
Mandatory Health Insurance 2026. Health insurance is mandatory for all UAE residents. Dubai Health Authority (DHA) requires all Dubai residents to have health insurance coverage. Department of Health Abu Dhabi (DOH) mandates health insurance for all Abu Dhabi residents. Employers must provide coverage for employees, while individuals must obtain coverage for themselves and dependents. The minimum required coverage is the Essential Benefits Plan (EBP), which provides basic medical coverage. However, many opt for comprehensive plans that offer broader coverage, higher limits, and access to premium hospitals.
| Feature | EBP (Essential Benefits Plan) | Comprehensive Plan |
|---|---|---|
| Annual Premium (Individual) | AED 600-1,200 | AED 3,000-8,000+ |
| Annual Limit | AED 150,000 | AED 500,000-1,000,000+ |
| Hospital Network | Limited (government & basic private) | Extensive (premium hospitals) |
| Co-payment | 20-30% of treatment cost | 0-10% (or zero for network) |
| Pre-existing Conditions | Limited coverage | Full coverage (after waiting period) |
| Dental & Optical | Not included | Included (AED 1,000-5,000 limit) |
| Maternity Coverage | Basic (AED 7,000-10,000) | Comprehensive (AED 15,000-50,000+) |
Premium Tiers 2026. Health insurance premiums are tiered: Tier 1 (EBP): AED 600-1,200/year (individual), AED 1,500-3,000/year (family). Essential coverage with network limitations. Tier 2 (Standard): AED 2,000-4,000/year (individual), AED 5,000-10,000/year (family). Broader network, higher limits. Tier 3 (Comprehensive): AED 3,000-8,000+/year (individual), AED 8,000-20,000+/year (family). Premium hospitals, extensive coverage. Tier 4 (Premium): AED 8,000-15,000+/year (individual), AED 20,000-40,000+/year (family). International coverage, no network restrictions. Premiums increase with age (5-10% per year), medical history (pre-existing conditions add 20-50%), and coverage level.
Data sources and methodology. Our healthcare budget calculations are based on current pricing from major UAE hospitals, DHA and DOH mandatory insurance requirements, and market research on insurance premiums. We update our data quarterly to reflect price changes and regulatory updates. Calculator results are estimates based on average costs; actual expenses depend on your insurance coverage, hospital choice, and medical needs. This tool does not constitute medical or insurance advice. Consult healthcare providers and insurance professionals for personalized guidance. For official DHA information, visit dha.gov.ae. For official DOH information, visit doh.gov.ae.
Who Stands Behind This Calculator
Founder & CEO
Varun founded Yalla Calculators to help UAE residents make informed financial decisions. Based in the UAE since 2018, he has firsthand experience with property purchases, DLD fees, mortgage rules, and cost-of-living planning. His background in software and digital business (13+ years) drives the accuracy and regulatory alignment of our property and mortgage tools. Varun is not affiliated with other professionals who share the same name; he operates from Dubai/Sharjah and maintains editorial independence across all calculators.
Focus: UAE Property, Cost of Living, Financial Planning, Mortgage & DLD
Why Trust This Calculator?
UAE Healthcare Budget Planner is built for UAE residents and uses local regulations and fee schedules. Our calculators use official UAE data sources, current regulations, and methodology that is reviewed by UAE-based experts. We update fee schedules and formulas when regulators publish changes, and we clearly cite our sources so you can verify results.
All calculations reviewed by UAE-based financial experts.
Guide to Our UAE Financial Calculators
Yalla Calculators provides UAE-specific financial tools for gratuity, mortgages, property fees, rent vs buy, school fees, visas, and cost of living. Our formulas follow official UAE sources: UAE Labor Law (gratuity, leave), Dubai Land Department and RERA (property, DLD 4% transfer fee), UAE Central Bank (DBR, LTV), KHDA (school fees), and published visa and healthcare data. We update figures when regulations or market rates change. Calculator results are estimates only; actual entitlements, fees, and approvals depend on your specific situation, employer, bank, or authority.
For gratuity, any employee who completes at least one year of continuous service earns gratuity on basic salary for the years served — 21 days’ pay per year for the first five years and 30 days per year thereafter. Under Federal Decree-Law 33/2021 (effective 2 February 2022) the old sliding scale that cut gratuity for resignation before five years was abolished, so resigning no longer reduces your entitlement for completed years. For mortgages, DBR caps and LTV limits vary by buyer type (UAE national, GCC, expat) and property value. Property fees include DLD registration, trustee fees, agent commission, and often mortgage registration. Rent vs buy outcomes depend on holding period, appreciation, and opportunity cost. School fee projections use KHDA fee frameworks and typical annual increases; actual costs vary by school and grade.
Calculation Examples
Gratuity: If you resign after 3 years with AED 15,000 basic (unlimited contract), you receive 21 days’ basic per year for the first 5 years. Three years × (21/365) × (15,000 × 12) ≈ AED 31,068. After 5 years, the rate becomes 30 days per year. Mortgage: At 50% DBR, a AED 25,000 monthly income with AED 3,000 existing commitments allows roughly AED 9,500 per month for a mortgage, depending on rates and tenure. Property fees: On a AED 2M purchase, 4% DLD transfer fee is AED 80,000; add trustee, agent, and optional mortgage registration per our property-fees calculator.
Frequently Asked Questions
Are calculator results legally binding? No. They are illustrative. Gratuity, mortgage eligibility, and visa decisions depend on your contract, bank, or authority. Always confirm with your employer, lender, or official sources.
How often do you update data? We review UAE labor, property, mortgage, and school-fee data periodically and after notable regulatory changes. Check our methodology and data-updates pages for more detail.
Do you store my inputs? Calculator inputs are processed in your browser. We do not store your salary, property value, or other personal figures. See our privacy policy and cookie policy for details on analytics and cookies.
Which Emirates are covered? Default examples often use Dubai (DLD, RERA, KHDA). Several tools support other Emirates where data is available. We indicate coverage in each calculator.
Can I use these for official applications? Our tools are for planning and comparison only. Use official forms, bank offers, and government portals for applications and compliance.
Meet the Expert
Varun Punjabi
CEO & Founder, Yalla Calculators. Over 13 years of professional experience, including a decade in the domain and internet industry. Specializes in UAE property market analysis, mortgage calculations, DLD and RERA regulations, and UAE labor and school-fee frameworks. Built Yalla Calculators after navigating Dubai’s property and education landscape firsthand.
LinkedInFor methodology, data sources, and disclaimers, see our Methodology, Data Updates, and Terms of Use. Contact: info@yallacalculators.online.