Understanding UAE Health Insurance Requirements
DHA Insurance Requirements in Dubai
The Dubai Health Authority (DHA) mandates that all residents must have valid health insurance coverage. Employers are required to provide minimum essential benefits for their employees, with specific coverage limits based on salary brackets. The Essential Benefits Plan (EBP) starts from AED 650 annually for basic coverage.
Abu Dhabi HAAD/Daman Guidelines
In Abu Dhabi, the Health Authority - Abu Dhabi (HAAD) regulates health insurance through the Abu Dhabi Health Insurance Scheme. All residents must have Thiqa (for Emiratis) or basic health insurance through Daman. Minimum coverage levels start from AED 800 per year for the Basic Plan.
Northern Emirates Regulations
Sharjah, Ajman, RAK, Fujairah, and Umm Al Quwain follow the Ministry of Health and Prevention (MOHAP) guidelines. Insurance requirements vary, with mandatory coverage for all residents under the new UAE insurance law. Basic plans start from AED 750 annually.
Employer Obligations Under UAE Law
Under UAE Labour Law, employers must provide health insurance for all employees. The new visa regulations require proof of health insurance for residency visa issuance and renewal. Employers in Dubai must provide minimum coverage of AED 150,000 per year.
Golden Visa Health Insurance Requirements
Golden Visa holders must have comprehensive health insurance covering all emirates. Premium plans with international coverage are recommended, with costs ranging from AED 15,000 to AED 50,000 annually depending on age and coverage needs.
Cost Comparison Across Emirates
Insurance costs vary significantly across emirates. Dubai typically has 15-20% higher premiums due to private healthcare costs, while Northern Emirates offer more affordable options. Abu Dhabi falls in the middle range with Daman-regulated pricing.
Understanding Coverage Tiers
Basic plans cover essential services with network restrictions. Enhanced plans include dental, optical, and better hospital access. Premium plans offer international coverage, concierge services, and executive health screenings.