Dubai law states that every resident - citizen or expatriate—must hold valid medical cover. This 2025 guide explains the rules, your obligations, and how insurancehub.ae makes compliance effortless.
Why Health Insurance is Mandatory in Dubai
The government introduced mandatory health insurance Dubai regulations to:
- Protect residents from high medical bills.
- Ensure access to quality care.
- Reduce public-hospital strain.
Failing to hold insurance can lead to visa delays and fines up to AED 500 per month.
Employer’s Responsibilities Under the Law
Companies must:
- Provide compliant cover for every employee.
- Pay 100 % of the premium—costs cannot be deducted from salaries.
- Renew policies before expiry to avoid staff visa blocks.
Dependents (spouse, children, domestic workers) remain the sponsor’s responsibility.
Coverage Requirements Under Dubai Law
Minimum benefits under the Essential Benefits Plan (EBP):
EBP – Benefits and Top Parameters to Consider
The EBP is the entry-level option for residents earning < AED 4,000/month. Consider:
- Network: Restricted but covers major clinics.
- Co-pays: Higher than mid-tier plans.
- Waiting periods: 6 months for maternity, 12 months for pre-existing conditions.
Health Insurance for Resident Expatriates and Dubai Nationals
- Expatriates: Must buy private policies; employer covers the employee, sponsor covers dependents.
- Nationals: Access to Saada or Enaya programs but often purchase private add-ons for dental or global cover.
Steps to Get Mandatory Health Insurance in Dubai
- Visit insurancehub.ae and select “Medical Insurance”.
- Enter Emirates ID and basic details.
- Compare quotes—plans flagged “mandatory health insurance Dubai compliant” meet DHA rules.
- Upload documents, pay online, receive e-card via email.
- Submit the policy to GDRFA during visa processing.
Conclusion: Staying Protected with Insurancehub.ae
Compliance is simple when you use insurancehub.ae. Compare certified plans, get expert advice, and secure mandatory health insurance Dubai in minutes—protecting your health and your visa status.
