Dubai Health Insurance " All Info, Costs & Benefits

All you need to know

Dubai Health Insurance for Emigrants

18 June 2023
Nina Noel
Nina Noel

Table of contents

Dubai is one of the fastest growing cities in the world and attracts thousands of expats and tourists every year. Adequate health insurance is essential to live and work worry-free in this emerging economic hub. In this article, we give you a comprehensive overview of health insurance in Dubai and how to find the best insurance for your needs and personal situation.

The most important facts in a nutshell:

  • Health insurance is a legal requirement for Dubai residents.

  • The statutory basic insurance (Essential Benefits Plan) covers basic benefits.

  • Private health insurance offers additional protection and extended benefits, e.g. worldwide coverage (also in DE), dental treatment and physiotherapy.

  • When choosing a private health insurance, coverage, value for money, customer service and adaptability should be considered.

  • Dubai offers state-of-the-art healthcare with world-class hospitals and clinics.

  • The cost of medical treatment in Dubai can be high, especially in private facilities.

  • Tips for taking out health insurance: plan early, check employer benefits, consider health status and get recommendations.

  • Insurance providers we recommend to our clients: International health insurance with passport card

Compulsory health insurance for expatriates in Dubai

Legal regulations in Dubai

Since 2014, it has been a legal requirement for all expats residing in Dubai and their family members to take out health insurance. This also applies to visitors staying in the country for more than 30 days. The insurance must be provided by an insurance company licensed in Dubai.

Minimum requirements Dubai Health Insurance

The minimum requirements for health insurance in Dubai are:

  • Outpatient treatment

  • Inpatient treatment

  • Diagnostic tests

  • Medicines

  • Maternity benefits (for women)

This basic insurance, known as the Essential Benefits Plan (EBP), must be provided by employers for their employees and their family members.

Private, international health insurance in Dubai

Advantages of private international health insurance in Dubai

Although public health insurance offers basic benefits, many expats opt for private international insurance to get additional protection and extended benefits, such as:

  • Worldwide cover

  • Dental treatments

  • Optical services

  • Physiotherapy

  • Alternative medicine

Choosing the right health insurance for Dubai

When choosing private health insurance, you should consider the following factors:

  1. Coverage: Make sure that the insurance covers all relevant benefits for you (including your family).

  2. Value for money: Compare the premiums and benefits of different providers to find the best offer.

  3. Customer service: Find out about the quality of the insurance company's customer service.

  4. Adaptability: Make sure that the insurance can be tailored to your individual needs.

What is the medical care like in Dubai?

Quality of healthcare in Dubai

Dubai offers state-of-the-art healthcare and has a large number of first-class hospitals and clinics. The medical facilities are well equipped and have qualified specialists who meet international standards.

Costs for medical treatments in Dubai

The cost of medical treatment in Dubai can be high, especially in private facilities. Without adequate insurance, the cost of comprehensive treatment can quickly run into the thousands.

It is therefore important to take out suitable health insurance to avoid financial burdens.

Tips for buying health insurance in Dubai

  1. Plan early: Start looking for a suitable international health insurance policy as soon as you know you will be moving to Dubai. This will give you enough time to consider different options and make the best decision for your needs.

  2. Check employer benefits: Before you take out private health insurance in Dubai, you should check what benefits your employer offers. It is possible that additional benefits beyond the legal minimum standard are already included.

  3. Take into account the state of health: If you or your family members have pre-existing conditions, make sure the policy you choose covers them and does not have any exclusions or waiting periods.

  4. Obtain recommendations: Talk to people or friends who already have live in dubaito get recommendations for trustworthy insurance providers.

Our recommendation: International Health Insurance in Dubai for Entrepreneurs (+ Families)

We ourselves and most of our clients rely on PassportCard for their choice of international health insurance. In cooperation with our contact Tim at PassportCard, there are three different solutions that offer different levels of cover to suit your needs. Regardless of the product you choose, all offers provide comprehensive coverage for hospital stays, not only in the United Arab Emirates and Germany, but in the entire tariff region to which the country belongs. This means, for example, that you always have the option of keeping your trusted German doctors.

  • The PassportCard COMPACT tariff is your choice if you are looking for basic cover that protects you when you really need it, e.g. in the event of a hospital stay.
  • The PassportCard COMFORT tariff offers all the advantages that a solid expat tariff must have.
  • The PassportCard PREMIUM tariff gives you security in every situation if you are looking for comprehensive insurance cover.

Summary of the main advantages:

With PassportCard's long-term international health insurance, you can be sure of significant advantages over other insurers. We show you the 4 most important ones in our opinion:

24/7 in-house customer support in German
No out-of-pocket expenses - with PassportCard, you pay for medical services with PassportCard money.
Medical consultation around the clock in German
free choice of doctor


Adequate health insurance is essential in Dubai. The basic insurance required by law provides basic benefits, but many opt for private insurance to get additional protection and extended benefits. Be sure to carefully consider different insurance options and choose one that suits both your and your family's individual needs.

Frequently asked questions about health insurance in Dubai

In this section, we answer some frequently asked questions about health insurance in Dubai to provide you with further clarity and information.

Summary Dubai Health Insurance for Emigrants

Health insurance in Dubai is of great importance for everyone living there. By carefully reviewing the different options and taking out the right insurance, you can ensure that you and your loved ones are well protected and have access to quality healthcare. Be sure to consider your needs and the benefits offered by different insurance providers to make the best decision for your individual situation.

Why you can trust our advice

With our extensive expertise and years of experience as an expatriate agency, we have helped numerous clients find the right international health insurance for their individual needs. As a family, we have an in-depth understanding of the entire healthcare system in Dubai, which allows us to make tailored recommendations that are perfectly suited to you. This makes your move to Dubai worry-free and well covered.

You want to emigrate to Dubai, 0% Pay taxes and are at a Company formation in Dubai interested? You don't have the right contact person who can guarantee a smooth implementation? Then contact us now and book your free initial consultation. We will discuss your individual situation and show you possible solutions for your future in Dubai.

Nina Noel
Nina Noel
Nina Noel, founder of Dubai Emigrate, has developed an impressive expertise in emigration counselling through personal experience and persistent work. After going through the challenges of moving to the UAE herself, she decided to use her knowledge and experience to make the process easier for others. Since then, she has accompanied and supported hundreds of people in their transition to Dubai
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Very Professional Company. The Company helped us from the first day on until the end. All the problems we had they solved for us in a really fast time period. The best about the company is that you meet personally with the owners and they answer you all question in an easy and professional way. It gives you a feeling of security! I just can reccomend the service you get. No doubt one of the best companies in Dubai!
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There it is! My new start - in Dubai! And without you, I would probably still be in Germany and wouldn't know how and where to start. You were recommended to me, dear DUBAI AUSWANDERN team, by friends who were and are also enthusiastic about 100%. Everything went smoothly, right from our first phone call. I felt taken care of and understood right away. I also had a lot of questions, but they answered them professionally and took care of every little thing. So much work was taken off my hands so that I could concentrate on my emigration in Germany. When I arrived in Dubai, a lot of things were already taken care of in advance, so that the rest on site went very quickly (medical check, registration of my company, fingerprints, bank). I could and can ask questions at any time if something is bothering me or I am not getting anywhere. I am very happy to recommend DUBAI EXHIBIT from the bottom of my heart. There are real people with hearts behind this company :) You are wonderful. Steffi
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