Health Insurance in the UAE: A Complete Guide to Everything You Need to Know to Protect Your Health and Your Family’s

Let me put you in a quick scene. You are quietly going about your business when you suddenly receive a phone call from your wife. She is experiencing stomach pains and is on her way to the hospital.

Do you have health insurance for your family? Did you know it is mandatory? This can happen.

Health care costs in the UAE are very high. Pay attention to what I explain in this article to avoid problems.

Health Insurance in the UAE

Why is Health Insurance Mandatory in the UAE?

In the United Arab Emirates, having health insurance is not just necessary but mandatory for both citizens and expatriates. 

Why is this the case? The costs of healthcare services are constantly increasing. If you need medical services, whether outpatient or inpatient, and you do not have insurance, you could end up paying a substantial amount.

How is Health Insurance Coverage for Employees and Families Managed?

For employees, companies are required to provide health insurance. However, not all companies cover the spouses and children of employees. In these cases, it is crucial to consider acquiring a policy that covers the entire family. 

If you are a business owner or self-employed, you must ensure that you have your own health insurance policy.

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Common and Costly Medical Cases

What are Common and Costly Medical Cases?

I have seen numerous cases of young women arriving in the emergency room with pregnancy complications or severe abdominal pain, which may require urgent surgery. 

Situations like ectopic pregnancy or ovarian cyst torsion can result in medical expenses ranging from 20,000 to 25,000 AED if you do not have insurance.

You may have health insurance, but if your family is living with you or you are considering it, you need to ensure you have coverage that addresses all potential issues that may arise.

To get a head start on the information, check out the most frequently asked questions about family health insurance.

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Recommended Health Insurance Companies

The following is a report on the most recommended companies to buy health insurance.

Health Insurance CompanyApproximate Price (USD/year)CharacteristicsWebsite
Daman National Health Insurance Company$1,500 – $5,000– Leader in the health insurance sector in the UAE. – Coverage from essential to premium plans. – Includes international coverage, maternity, dental care, and
AXA Gulf$1,200 – $4,500– Personalized health solutions for the UAE market. – Extensive network in the UAE and
Takaful Emarat$1,000 – $3,500– Shari’ah-compliant. – Plans for individuals, families, and
Orient Insurance PJSC$1,100 – $4,000– Comprehensive plans for a diverse clientele. – Extensive network of healthcare
ADNIC (Abu Dhabi National Insurance Company)$1,300 – $4,200– Offers health products for various needs. – Wellness programs, routine check-ups, and vaccination
Aetna International$2,000 – $6,000– Ideal for global citizens and expatriates. – Extensive coverage, including medical evacuations and international

Key Considerations:

  • Scope of Coverage: Examine the policy’s inclusions, from outpatient care, prescription medications, and maternity benefits to dental and vision care.
  • Provider Network: Ensure that the insurer’s network includes your preferred hospitals, clinics, and doctors.
  • Exclusions: Familiarize yourself with what the policy does not cover to avoid surprises.
  • Cost: Evaluate the policy’s premiums in relation to your budget and understand any applicable deductibles.
  • Quality of Service: Research the insurer’s reputation, especially regarding customer service and claims processing efficiency.

Frequently Asked Questions

How Much is Health Insurance for a Family in Dubai?

The cost of health insurance for a family in Dubai varies widely depending on the coverage and the insurance provider. On average, you can expect to pay:

  • Daman National Health Insurance Company: $1,500 – $5,000 per year
  • AXA Gulf: $1,200 – $4,500 per year
  • Takaful Emarat: $1,000 – $3,500 per year
  • Orient Insurance PJSC: $1,100 – $4,000 per year
  • ADNIC (Abu Dhabi National Insurance Company): $1,300 – $4,200 per year
  • Aetna International: $2,000 – $6,000 per year

These prices can vary based on factors such as the number of family members, their ages, pre-existing conditions, and the specific benefits included in the policy.

Which Insurance is Best for Families?

Several insurance providers in Dubai offer comprehensive plans suitable for families. Here are some top recommendations:

  1. Daman National Health Insurance Company
    • Leader in the UAE health insurance sector.
    • Offers plans from essential to premium, including international coverage, maternity, and dental care.
  2. AXA Gulf
    • Provides personalized health solutions with a wide network in the UAE and abroad.
    • Extensive coverage options suitable for various needs.
  3. Takaful Emarat
    • Shari’ah-compliant plans ideal for those seeking Islamic insurance.
    • Plans for individuals, families, and businesses.
  4. Orient Insurance PJSC
    • Comprehensive plans for diverse clients.
    • Large network of healthcare providers.
  5. ADNIC
    • Offers health products for various needs, including wellness programs and vaccination benefits.
  6. Aetna International
    • Ideal for global citizens and expatriates.
    • Extensive international coverage, including medical evacuations.

How Much Do Most Families Pay for Health Insurance?

Most families in Dubai pay between $1,000 and $6,000 per year for health insurance, depending on the level of coverage and the insurance provider. This range reflects the diversity of plans available, from basic coverage to comprehensive packages with extensive benefits.

Is Family Insurance Mandatory in Dubai?

Yes, health insurance is mandatory in Dubai for both citizens and expatriates. Employers are required to provide health insurance for their employees. However, not all companies cover the spouses and children of employees. In such cases, it is essential to acquire a family health insurance policy to ensure comprehensive coverage for all family members. This mandate is in place to protect residents from the high costs of healthcare services, which can be substantial without insurance.


It is easy to think that we will never need emergency medical services, but the reality is that it can happen at any time. The best way to protect yourself and your family is to be prepared and have an adequate health insurance policy.

Do not neglect your health; make sure you are covered and stay protected.

Dr. Neha Lalla


The information provided in this guide is for general informational purposes only and is not intended as legal advice. This content has been carefully verified and updated with insights from Dr. Neha Lalla, Best Gynecologist in Dubai

For personalized guidance tailored to your specific circumstances and the most current information on UAE best medical attention medical for woman family, please visit web page Dr. Neha Lalla M.S, DPE (GYNECOLOGICAL ENDOSCOPIC SURGEON).

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