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Importance of Health Insurance for Expats in Dubai

The UAE has one of the best healthcare systems in the world, which is a big lure for expats considering relocating there. Health insurance is essential for expatriates living in Abu Dhabi and Dubai and plays a large part in ensuring a high standard of healthcare in the UAE. As a result, this is something you'll notice very fast. The key highlight of our blog is the Importance of Health Insurance for Expats in Dubai.

Health Insurance in Dubai

Dubai is one of the world's most popular expat destinations. What does it mean to be popular? Nearly 90% of Dubai's population is made up of foreign nationals. In a metropolis with a population of 9.2 million, around 7.8 million individuals are foreign-born. International citizens, on the other hand, are treated the same as Emirati citizens when it comes to healthcare. Everyone wants the greatest care for themselves and their loved ones. If you want to be a part of this huge international society and live in Dubai as an expat, you should look into Dubai health insurance policies before you travel.

The United Arab Emirates has an excellent healthcare system. The World Health Organization ranks the country's healthcare system 27th in the world. Dubai's rating is one of the reasons why it continues to be one of the world's top medical tourism destinations, with individuals traveling from all over the world to have sophisticated and delicate procedures and cosmetic treatments from world-class plastic surgeons. Healthcare in the United Arab Emirates is administered by many regulatory bodies around the country. The Ministry of Health and Prevention, the Abu Dhabi Health Authority (HAAD), the Dubai Health Authority (DHA), and the Emirates Health Authority are among them (EHA). There are around 181 doctors per 100,000 residents, which is a decent amount when compared to doctor-patient ratios in other nations.

Both public and private health services are overseen by the Dubai Health Authority (DHA). There is an emergency department in each of the four hospitals (Dubai, Rashid, Latifa, and Hatta) that provides inpatient and outpatient treatments. You may anticipate modern and accessible medical services throughout the UAE as an expat in Dubai or anyplace else in the UAE. Also, because the majority of the personnel speaks both Arabic and English, you should have no issue communicating. The last thing you need to worry about is finding the proper oriental health insurance in Dubai to meet your medical demands.

How can Expats Qualify for Health Insurance in Dubai?

It's as simple as working lawfully in Dubai to qualify for health insurance. Employers must provide basic health insurance to all foreigners and provide EBP support to those on lesser salaries.


A health card is required to receive medical treatment at government-run facilities such as Dubai Hospital, Rashid Hospital, Latifa Hospital, and other government clinics and hospitals. You can apply for a DHA card online or in-person at a medical center.

The following documents must be included with your application:

  • Emirates ID number, passport information
  • Two passport images
  • A copy of your tenancy contract
  • A completed application card

How to Buy Insurance in Dubai?

So, if you're relocating here and know you'll need insurance for yourself, your family, or even an employee, here's what you should do. Here is how you can buy health insurance in Dubai:

Online Purchase

Technology, notably the Internet, has infiltrated practically every aspect of our lives these days. When it comes to choosing the best expatriate health insurance in Dubai, the majority of people will start their search online. A fast search will yield a plethora of results, many of which allow you to compare and purchase plans online. These tools, such as the medical insurance comparison tool on our website, allow you to rapidly explore and compare available options, and they're a terrific place to start. The most crucial thing to remember is that you will not be able to obtain an expat medical insurance plan in Dubai entirely online.

Connecting Directly with the Insurer

The next alternative is to go straight to an insurance company to get your coverage. In comparison to other markets throughout the world, Dubai has a smaller number of insurers who are legally permitted to sell health insurance. The Insurance System for Advancing Healthcare in Dubai (ISAHD) actually publishes a list of compliant health insurers in Dubai, all of whom will be able to sell you a plan, to help ensure that policies are pretty straightforward to discover. While this appears to be a wonderful concept on paper, there are still a lot of plans to choose from, and selecting the best one for you or your family will take time. In reality, you'll probably need to go to more than one insurer to locate a plan that works for you.

Advantages and Disadvantages of Health Insurance in Dubai

"You get what you pay for," is one of the most widely heard lines about Dubai health insurance. The level of included care is meagre at best, according to a common criticism about employer-provided health insurance. The standard of treatment in government-run and privately maintained facilities is extremely high. Many expats, however, continue to purchase international private health insurance. As a result, they would have access to more than 130 private health institutions in Dubai. Some of the world's most extraordinary hospitals are part of private health networks, which resemble luxury hotels more than medical clinics. In comparison to employer-sponsored private insurance networks, these facilities have reduced wait times, nearly all staff is multilingual, and there is very little bureaucracy.

Expats and international citizens in Dubai frequently opt for a global medical plan that covers them both locally and globally, including for treatment at home. Consider one of the Dubai health insurance plans listed below for the most complete coverage, access to the world's greatest hospitals, and the highest quality of service and care.


If you are looking forward to buying health insurance connect with Dhanguard. Our dedicated team will guide you in choosing the right policy for yourself and your loved ones. If you are looking for any insurance-related services, connect with us, we will gladly assist you.

Frequently Asked Questions

Patients are communicated to tell their physicians all about their medical history in order to get the best care, and health insurance policyholders are asked to tell their provider all about their pre-existing conditions in order to get the best coverage. Furthermore, if there are any inconsistencies in the medical insurance policy, the insurance company can cancel the policy.

The regional limit to which a health insurance policy's benefits are available is referred to as the scope of coverage. For example, in the UAE, health insurance with a definition of ‘Within the UAE' would only compensate policyholders for medical services received in the UAE.

Family policies undeniably deliver some of the best coverage at the most affordable prices, making them one of the most cost-effective health insurance choices in the UAE. Even family health insurance policies, however, have their own limitations, such as a limited number of dependents and other constraints. When applying for a job, it is suggested that applicants spend some time reviewing the different inclusions and exclusions.

Medical insurance Policy for females are expensive because of the pregnancy related costs that occurs to the insurance companies. Whereas policy for female aged below 40 is too expensive compared to female aged above 40.

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