Why Health Insurance In Sharjah Is Now Mandatory
The approach to healthcare in Sharjah has taken a significant leap forward. The government has rolled out a mandatory insurance scheme, ensuring every resident has a reliable safety net for their medical needs. You can think of it like car insurance for your health—it’s a legal necessity designed to protect you, your family, and the community as a whole.
This move is all about building a stronger, more resilient healthcare system. The goal is to make sure that getting the care you need doesn't depend on what you can afford to pay out-of-pocket at that very moment. It sets a standard level of protection for a huge part of the population, especially for those who might not have had any coverage before.
Who Is Affected by This Change?
The new rules are very specific, targeting key groups within the emirate. It's vital to know if you fall into one of these categories to stay compliant. The main groups affected are:
Private Sector Employees:
All companies are now legally required to provide at least a basic health insurance plan for every single one of their employees.
Domestic Workers:
If you sponsor domestic staff, like maids or drivers, you are now responsible for arranging their health insurance
Dependents:
The sponsor, whether an employee or the company, must also ensure that family members, including spouses and children, are covered
Sharjah Mandatory Health Insurance At a Glance
| Feature
| Details
|
|---|
| Annual Premium
| Set at an affordable AED 320
|
| Co-payment (Inpatient)
| 20% co-payment for hospital stays and services
|
| Target Group
| Private sector employees and domestic workers
|
| Implementation Date
| January 1, 2025
|
| Visa Link
| Coverage is a mandatory requirement for visa issuance and renewal
|
Which hospitals can I go to in 2025?
You can visit any hospital under a reimbursement policy - or with most natural (in‑network) plans. On our website, you can check which hospitals, physiotherapists, and other providers are contracted with your health insurer in health insurance Sharjah
At
InsuranceHub.ae, we know choosing the right plan can feel overwhelming. That’s why we compare features and benefits across thousands of plans—helping you find the cheapest health insurance in Sharjah, the best health insurance in Sharjah, or select the right tier of basic health insurance Sharjah.
Our expert team offers personalized guidance, whether you're comparing plans or exploring
mandatory health insurance in Sharjah requirements.
| Aspect
| Details
|
|---|
| Who do we compare?
| We compare 36 of the 39 health insurers in the UAE across coverage and price—giving you a full picture of basic health insurance in Sharjah, premium options, and more.
|
| How do we earn?
| Using InsuranceHub.ae is free for you. If you select the cheapest health insurance in Sharjah through our tool, we receive a one-time or ongoing commission from the insurer—at no extra cost to you.
|
| What do we do for you?
| - Compare and apply for basic health insurance in Sharjah, family plans, and more
- Get expert advice before and after purchase
- Reach out anytime with questions—even after your policy starts
|
2025 Health Insurance Comparison
Explore basic, supplementary, and reimbursement policies with free dental accident coverage for plans initiated in 2025. View premiums, reimbursement levels, contracted providers, and customer reviews—all in one place.
Step‑by‑step: How to compare health insurance in Sharjah
- Answer questions about your coverage needs
E.g., dental, physiotherapy, or access to specific specialists.
- Review options tailored to you
Explore basic, in‑kind, or reimbursement policies that match your needs.
- Compare top plans
Easily find the
cheapest health insurance in Sharjah and the
best coverage for your needs.
- Apply online
Your new health insurance can be set up in under 10 minutes—completely online.
Tips to Find the Cheapest Health Insurance in Sharjah
Match your plan to your actual needs—don’t over-insure.
Consider a higher deductible to lower premiums.
Choose providers that offer discounts—bundled plans can save up to 20%.
Check Provider Networks Online
Not all insurers work with every hospital or clinic. See which providers are included with basic health insurance Sharjah, and rest easy - emergency care is always covered, even out-of-network.
Switch & Compare Service
Policy changeover begins each year on 1 January. Switching is easy:
Avoid over-insurance
Confirm providers included
Keep an eye on your deductible
Why choose InsuranceHub.ae?
Central Bank–approved aggregator—trust and transparency first.Access to 50+ health insurance companies in Sharjah and the wider UAE.
Save up to 40 % through exclusive online discounts.
Instant quotes customised to your visa type, age, and medical history.
Premium after-sales support and online claim assistance
How Our 3-Step Process Works
Compare: Enter your Emirates ID and basic details. Our engine scans 50+ plansCustomise: Adjust co-pay, network, and add-ons to find the cheapest health insurance in Sharjah that still meets your needsCheckout: Pay securely online and receive your e-policy instantly—ready for visa stamping Don’t just go cheap—choose smart
You may find the
Cheapest Health Insurance in Abu Dhabi, but the best policy balances cost with meaningful coverage. We help you find that sweet spot.
Compare and purchase your ideal plan today - complete in just a few minutes. We handle cancellation of your old plan, so you don't have to.
Need help? Our support team is available daily, and customers rate us 9.0/10 on average. All hospital quality and provider contracting details are included in our comparisons.
FAQs About Health Insurance Sharjah
When will I receive my policy schedule?
You will typically receive your health insurance policy schedule within 7–14 days after enrollment. If you’ve chosen a digital insurer, expect faster delivery via email. Please check your spam or junk folder if you don’t see it.
Monthly premium details
Your deductible amount (including voluntary options)
Type of insurance selected
Any applicable discounts
When will I receive my health insurance card?
If you enroll before January 1, 2025, you should receive your card by mid-January. Some insurers issue it along with the policy schedule, while others send it separately.
Who cancels my old insurance policy?
If you switch insurers between November and December, your new provider typically handles the cancellation. If you switch outside this window, you must cancel it yourself. Also, you have a 14-day window post-policy issuance to change your mind.
Can I adjust my requested insurance after applying?
Yes, you can make changes within 14 days of receiving your policy schedule. Some providers may allow changes to supplementary coverage even after this period, depending on their terms.
What should I do if I miss a payment?
Mandatory health insurance in Sharjah is paid monthly. If you miss a premium due to financial hardship or unexpected expenses, coverage may continue, but penalties could apply. Contact your insurer promptly to arrange a payment plan and avoid any disruption
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