Health insurance in UAE

Health insurance in UAE

Health insurance in UAE serves as a fundamental cornerstone in ensuring individuals have access to high-quality healthcare services. This comprehensive system is meticulously designed to protect the well-being of both residents and citizens, presenting a range of plans and options tailored to meet diverse healthcare needs. As we embark on this exploration, we will delve into the intricacies of health insurance in UAE, examining its vital role, the array of coverage options available, and the regulatory framework that underpins this essential aspect of healthcare provision in the country. Join us for an in-depth examination of the dynamics surrounding health insurance in UAE and its significance in promoting a healthier society.

Health insurance in UAE

Health insurance for the UAE Nationals

Health Insurance for the UAE Nationals is as follow:

Abu Dhabi

Under the ‘Thiqa‘ initiative, the Abu Dhabi Government extends full healthcare coverage to all UAE nationals residing in the emirate. Eligible citizens receive a Thiqa card, granting them comprehensive access to a vast network of private and public healthcare providers affiliated with Daman. This program also offers extended geographical coverage and additional health benefits.

To qualify for the Thiqa program, UAE nationals aged 18 to 75, residing in Abu Dhabi, must undergo the Weqaya screening administered by the Department of Health – Abu Dhabi. This health assessment aims to identify cardiovascular risk factors and may only be exempted under exceptional circumstances.

Updates to Insurance Plans in Abu Dhabi

The Department of Health in Abu Dhabi introduced several changes to health insurance programs, affecting both the ‘Thiqa’ scheme and the Abu Dhabi Basic Plan. These modifications became effective on July 1, 2016, with the aim of enhancing the efficiency of the health insurance system to address current and future healthcare needs.

To access additional information, please refer to the following official sources:


Saada: Healthcare for Dubai Citizens

Saada is a dedicated health insurance program designed for the citizens of Dubai. It extends insurance coverage to those citizens who are not currently enrolled in any government health initiative within the emirate. Through this program, individuals gain access to medical treatment through an extensive network of private sector healthcare providers and DHA healthcare centers. Each citizen’s Emirates ID card contains information about the Saada program they are enrolled in.

Additionally, residents of Dubai have the option to submit online complaints related to health insurance services and providers within the emirate through the Dubai Health Authority’s eSystem (iPROMeS).

To access additional information, please refer to the following official sources:


The Department of Health Insurance, under the Sharjah Health Authority, administers health insurance for UAE nationals residing in the emirate of Sharjah. Initially, health coverage in Sharjah was limited to Sharjah Government employees, their dependents, and Senior Emiratis (individuals aged 60 and above). Nevertheless, as of January 2020, the decision was made to expand insurance coverage to encompass all Sharjah citizens.


The Ajman Government offers comprehensive health insurance coverage to all its employees. You can find an up-to-date list of approved hospitals, clinics, and pharmacies within the health insurance network, along with access to claim forms, on the official Ajman Government website.

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Health insurance in UAE

Health insurance for resident expatriates

The scope of insurance coverage for employees and their dependents is contingent upon factors such as the employee’s salary and designation. The level of coverage and the specific policy or scheme chosen will influence the cost of medical services.

In the emirate of Abu Dhabi, employers and sponsors bear the responsibility of furnishing health insurance coverage for their employees and immediate family members (including one spouse and up to three children under the age of 18).

Within the emirate of Dubai, employers are mandated to supply health insurance coverage for their workforce, while sponsors must ensure insurance coverage for their resident dependents.

The UAE boasts numerous insurance companies, with many offering Islamic insurance (takaful) options. The Insurance Authority’s website maintains a comprehensive list of registered insurance firms in the UAE.

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In conclusion, health insurance in UAE stands as a vital pillar in ensuring widespread access to quality healthcare services. This robust system is intricately designed to prioritize the well-being of both residents and citizens, presenting a diverse array of plans and options to cater to their specific healthcare needs.

Exploring the landscape of health insurance in UAE reveals its indispensable role in promoting a healthier society. The availability of comprehensive coverage options ensures that individuals can access necessary medical services without undue financial burden. By prioritizing preventative care and offering various plans, health insurance in UAE contributes significantly to the overall well-being of the population.

Moreover, the regulatory framework governing health insurance in UAE underscores the commitment to maintaining high standards and ensuring fairness within the healthcare sector. This commitment is reflected in the emphasis on accessibility, affordability, and the provision of a broad spectrum of medical services under health insurance plans in the UAE.

In summary, the significance of health insurance in UAE cannot be overstated. It serves as a cornerstone in fostering a healthcare system that prioritizes the health and wellness of individuals. As we conclude our exploration, it’s evident that health insurance in UAE plays a pivotal role in creating a healthier and more resilient community.