Advertisement

Who is responsible for providing health insurance in the UAE?

Advertisement

In the UAE, employers play a central role in providing health insurance for their employees, including domestic workers under their sponsorship. The rules for coverage, however, vary depending on the emirate and whether family members are included.

Abu Dhabi In Abu Dhabi, both employers and sponsors are required to provide health insurance for employees and, in most cases, their families, which typically covers one spouse and up to three children under 18. The Department of Health specifies that individuals earning less than AED 5,000 per month—or AED 4,000 plus housing allowance—are eligible for a basic product policy. Families with more than three children or employees seeking more comprehensive coverage can arrange extended insurance plans through additional procedures.

Dubai Health insurance is mandatory in Dubai under the Dubai Health Insurance Law, effective since January 2014. Employers must provide an Essential Benefits Plan (EBP), with premiums generally ranging between Dh550 and Dh650, ensuring basic healthcare access for employees, including those on lower wages. While employers usually cover their employees, coverage for dependents—spouse, parents, or children—must be arranged separately if not included in the employer-provided plan.

Northern Emirates Since January 2026, all private sector employees and domestic workers in the northern emirates—Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah, and Fujairah—are required to have basic health insurance. This builds on mandatory schemes already in place in Abu Dhabi and Dubai. The Ministry of Human Resources and Emiratisation (MOHRE) launched the Health Insurance Scheme in December 2024, approved by the UAE Cabinet and developed with the Federal Authority for Identity, Citizenship, Customs, and Port Security (ICP), Ministry of Health and Prevention (MOHAP), and several insurance providers. Under this scheme, dependents receive the same benefits and pricing as the employee according to the insurance policy.

Purchasing Health Insurance Employers are responsible for obtaining health insurance as a requirement for issuing or renewing residency permits. Policies can be purchased through the DubaiCare Network or any accredited insurance provider. Various channels are available, including the Insurance Pool website and business service centres across the UAE. The DubaiCare Network offers competitive rates and affordable treatment costs, reducing the financial burden on employers while ensuring employees have access to necessary healthcare.

Overall, while the rules differ by emirate, the responsibility for providing health insurance in the UAE lies firmly with employers and sponsors, with structured frameworks in place to cover employees and their dependents efficiently.

Advertisement

Advertisement

RECOM MENDED Find more
Why Embracing Discomfort Could Be the Key to a Fuller Life
Lifestyle
Why Embracing Discomfort Could Be the Key to a Fuller Life
Several months back, I found myself trembling on Ireland's rugged Atlantic coastline. My pulse raced as every fiber of my being protested: "Turn back." The cozy hotel with its roaring fireplace and dry clothes called to me like a siren's song. Yet against all instinct, I plunged into the icy waters. The shock stole my breath, set my skin ablaze - and then came the miracle. In that frozen moment, my chattering mind fell silent. For the first time in years, I was completely present.
Sushmita Sen's Journey of Resilience: Living with Chronic Illness and Honoring the Unsung Heroes of Healthcare
Lifestyle
Sushmita Sen's Journey of Resilience: Living with Chronic Illness and Honoring the Unsung Heroes of Healthcare
Living with a chronic condition is an unspoken marathon - not a sprint. While the world sees moments of triumph, few witness the daily battles fought in silence. For years, sometimes decades, individuals navigate this invisible terrain where medication schedules replace social calendars and uncertainty becomes a constant companion.
Revolutionizing Wellness: Mediclinic Launches Cutting-Edge Gut Microbiome Testing for Personalized Health
Lifestyle
Revolutionizing Wellness: Mediclinic Launches Cutting-Edge Gut Microbiome Testing for Personalized Health
Harness the power of genetic science and AI-driven nutrition to transform your well-being
Dutch Powerhouse Kanessa Muluneh: How Money Buys Freedom and Why She's Aiming for $1B+ by 40
Lifestyle
Dutch Powerhouse Kanessa Muluneh: How Money Buys Freedom and Why She's Aiming for $1B+ by 40
At just 34 years old, Dutch entrepreneur Kanessa Muluneh is rewriting the rules of wealth. Nearly three years into her Dubai journey, she's developed a radical perspective: money isn't currency - it's pure freedom. With ambitions to sell one of her companies for over $1 billion before turning 40, this powerhouse shares her unconventional wisdom about money's true value.
Pat McGrath Leads Louis Vuitton's Groundbreaking Beauty Revolution
Lifestyle
Pat McGrath Leads Louis Vuitton's Groundbreaking Beauty Revolution
For decades, Pat McGrath has redefined the boundaries of beauty. Now, she's poised to make history once again as the creative force behind Louis Vuitton's inaugural cosmetics line – La Beauté Louis Vuitton. This isn't just another makeup launch; it's the convergence of haute couture and cosmetic artistry at its finest.
UAE Doctors Issue Urgent Warning: Keep Vaping Devices Away From Children After Toddler Accident
Lifestyle
UAE Doctors Issue Urgent Warning: Keep Vaping Devices Away From Children After Toddler Accident
Medical professionals across the UAE are sounding the alarm after a shocking incident where a three-year-old child accidentally inhaled from an unattended vaping device. Pediatricians are now urging parents to treat e-cigarettes with the same caution as other household dangers.