We use cookies for first-party analytics to improve our calculators. No ads, no tracking pixels sold to third parties. Privacy.
Calculate the complete cost of having a baby in UAE. Compare hospitals, delivery types, and room options.
Select your delivery preferences
Vaginal delivery with shorter hospital stay
Your own room with private bathroom
Select your preferences and click "Compare Packages"
The Maternity Cost Calculator helps expectant parents in the UAE estimate the cost of maternity packages (prenatal care, delivery, and postnatal care) so they can budget and compare hospital options.
What the calculator does. It provides indicative cost ranges for normal delivery, caesarean section, and common maternity packages in UAE hospitals. You can see how different choices (e.g. hospital tier, package type) affect total cost and plan for out-of-pocket or insurance-covered amounts.
Who should use it. Expectant parents and families planning for a birth in the UAE. Useful for those with employer insurance or purchasing private coverage to understand potential costs.
Data sources. Package and delivery costs are based on hospital-published information and market research in Dubai and the UAE. We update periodically. Actual costs depend on the facility and your coverage.
How calculations are performed. Selected options are combined to produce an estimated total. All processing is local; we do not send your data to hospitals or insurers.
Why it's trustworthy. We use transparent, indicative ranges and do not collect personal health data. Confirm exact packages and costs with your hospital and insurer.
All calculations are performed locally in your browser using JavaScript. Your financial data remains on your device and is never transmitted to our servers or any third parties. This calculator operates under a "Privacy-by-Design" architecture ensuring complete data confidentiality.
This calculator uses typical maternity package and delivery cost ranges in the UAE based on hospital information and market research. Last updated: February 2026. Results are estimates only; actual costs are set by each facility. Healthcare is regulated by the relevant emirate health authority (e.g. DHA in Dubai).
Complete guide to Federal Decree-Law No. 33 of 2021 maternity provisions
Federal Decree-Law No. 33 of 2021 on the Regulation of Labour Relations (effective February 2, 2022) guarantees maternity leave rights for all female employees in the UAE private sector.
First 45 Days (Full Pay):
Basic salary + allowances (housing, transport, etc.) at 100%
Example: AED 15,000/month = AED 22,500 for 45 days
Next 15 Days (Half Pay):
Basic salary + allowances at 50%
Example: AED 15,000/month = AED 3,750 for 15 days
Total Maternity Pay (60 days): AED 26,250
Maternity costs in UAE vary by hospital, delivery type (natural vs C-section), and room type. Natural delivery typically ranges AED 15,000–40,000; C-section AED 25,000–55,000. Private room packages cost more than shared. Most employers provide basic maternity coverage (often AED 10,000–15,000). Use our calculator to compare packages from 30+ UAE hospitals and estimate your out-of-pocket costs.
Related Resources:
Mandatory Health Insurance 2026. Health insurance is mandatory for all UAE residents in Dubai, Abu Dhabi, and other emirates. Dubai Health Authority (DHA) mandates that all Dubai residents must have health insurance coverage. Department of Health Abu Dhabi (DOH) requires all Abu Dhabi residents to have health insurance. Employers are legally required to provide health insurance 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 at a lower cost. However, many employers and individuals opt for comprehensive plans that offer broader coverage, higher limits, and access to premium hospitals.
| Coverage Type | 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 included) |
| Maternity Coverage | Basic (AED 7,000-10,000 limit) | Comprehensive (AED 15,000-50,000+ limit) |
| Pre-existing Conditions | Limited coverage | Full coverage (after waiting period) |
| Dental & Optical | Not included | Included (AED 1,000-5,000 annual limit) |
| Co-payment | 20-30% of treatment cost | 0-10% (or zero for network providers) |
2026 Maternity Coverage Mandates in Dubai. The Dubai Health Authority (DHA) mandates that all health insurance plans in Dubai must include maternity coverage as of 2026. EBP plans must provide minimum maternity coverage of AED 7,000-10,000 per pregnancy, covering: (1) Prenatal care—6-8 doctor consultations, ultrasound scans, blood tests, (2) Delivery—natural or C-section delivery in network hospitals, (3) Postnatal care—2-3 follow-up visits, and (4) Newborn care—initial health screenings and vaccinations. Comprehensive plans typically offer AED 15,000-50,000+ maternity coverage, including: premium hospital delivery, private room accommodation, extended postnatal care, and coverage for complications. Some comprehensive plans include fertility treatments (IVF, IUI) with annual limits of AED 20,000-50,000. Maternity coverage typically has a waiting period of 6-12 months from policy start date before coverage begins. If you're planning to get pregnant, ensure your insurance policy has been active for the required waiting period. Maternity costs not covered by insurance (exceeding limits, out-of-network providers, or complications) must be paid out-of-pocket.
Premium Tiers and 2026 Pricing. Health insurance premiums in the UAE are tiered based on coverage level, age, and medical history. Tier 1 (Basic/EBP): AED 600-1,200 annually for individuals, AED 1,500-3,000 for families. Provides essential coverage with network limitations. Tier 2 (Standard): AED 2,000-4,000 annually for individuals, AED 5,000-10,000 for families. Broader network, higher limits, lower co-payments. Tier 3 (Comprehensive): AED 3,000-8,000+ annually for individuals, AED 8,000-20,000+ for families. Premium hospitals, extensive coverage, minimal co-payments. Tier 4 (Premium): AED 8,000-15,000+ annually for individuals, AED 20,000-40,000+ for families. International coverage, no network restrictions, comprehensive benefits. Premiums increase with age (typically 5-10% per year of age), medical history (pre-existing conditions add 20-50% to premiums), and coverage level. Family plans (spouse + children) typically cost 2-3x individual premiums. Employers often cover 50-100% of employee premiums but may require employees to pay for dependent coverage.
Data sources and methodology. Our maternity cost calculations are based on current pricing from major UAE hospitals (Emirates Hospital, Mediclinic, NMC Healthcare, Aster Clinic, etc.), DHA and DOH mandatory insurance requirements, and market research on insurance premiums and coverage limits. 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 hospital choice, insurance coverage, delivery type, and specific circumstances. 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.
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
UAE Maternity Cost Calculator 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.
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.
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.
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.
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.
