UAEMoneyWiseUAEMoneyWise
GuidesDashboard
Home/Insurance/Health Insurance

Health Insurance in UAE

Compare 12 health plans — DHA, DoH compliant, Islamic & international options — updated May 2026

Legal requirement: Health insurance is mandatory for all Dubai (DHA) and Abu Dhabi (DoH) residents. Employers must cover employees. Dependants must be separately insured. Fines apply for non-compliance.

Filter plans

12 plans match

Key terms

  • Co-payment: % you pay per visit/claim
  • In-network: direct billing, lower co-pay
  • Cover limit: max annual payout
  • DHA: Dubai Health Authority
  • DoH: Abu Dhabi Department of Health
  • Premiums shown are per individual, age-adjusted
12 plans · Age 31-40Sorted by lowest premium
NEU
NeuronBudgetDHA

Essential Basic · 200+ hospitals

Annual Premium

AED 2,880

Cover Limit

AED 100,000

Co-payment

20% (max AED 30/visit)

Monthly (~)

AED 240

DHA compliantBudget planEmergency coverIP & OP cover
Get Quote →
BA
Bupa ArabiaDHADoH

Essential Care · 300+ hospitals

Annual Premium

AED 4,320

Cover Limit

AED 150,000

Co-payment

20%

Monthly (~)

AED 360

AED 1,440/yr more than best option
Telemedicine
DHA & DoH compliantDigital appTelemedicineBupa global network
Get Quote →
TE
Takaful EmaratIslamicDHADoH

Family Takaful · 300+ hospitals

Annual Premium

AED 4,800

Cover Limit

AED 200,000

Co-payment

20%

Monthly (~)

AED 400

AED 1,920/yr more than best option
MaternityTakaful
Takaful (Islamic)Sharia-compliantFamily planMaternity cover
Get Quote →
DAM
DamanTop PickDoH

Thiqa Enhanced · 600+ hospitals

Annual Premium

AED 5,250

Cover Limit

AED 250,000

Co-payment

20% (max AED 50/visit)

Monthly (~)

AED 438

AED 2,370/yr more than best option
MaternityDentalOpticalTelemedicine
Abu Dhabi specialistDental & opticalMaternity cover600+ network
Get Quote →
NH
NAS Health InsuranceDHA

Smart Health · 350+ hospitals

Annual Premium

AED 5,625

Cover Limit

AED 250,000

Co-payment

15%

Monthly (~)

AED 469

AED 2,745/yr more than best option
Telemedicine
DHA compliantQuick approvalOnline cardSME & individual plans
Get Quote →
OI
Orient InsuranceDHADoH

Silver Care · 400+ hospitals

Annual Premium

AED 5,760

Cover Limit

AED 300,000

Co-payment

15%

Monthly (~)

AED 480

AED 2,880/yr more than best option
MaternityTelemedicine
DHA & DoH compliantFamily plan availableChronic disease cover24/7 helpline
Get Quote →
ADN
ADNICDoHDHA

SmartCare Select · 500+ hospitals

Annual Premium

AED 6,760

Cover Limit

AED 500,000

Co-payment

10%

Monthly (~)

AED 563

AED 3,880/yr more than best option
MaternityDentalTelemedicine
DoH & DHA compliantDirect billingLow co-payDental included
Get Quote →
A/
AXA / GIG GulfBest CoverDHADoH

Gold Plus · 500+ hospitals

Annual Premium

AED 7,540

Cover Limit

AED 500,000

Co-payment

10%

Monthly (~)

AED 628

AED 4,660/yr more than best option
MaternityDentalOpticalTelemedicinePre-existing (waiting)
0% co-pay in-networkMental health coverChronic diseasesPre-existing (waiting)
Get Quote →
OI
Oman Insurance (Sukoon)Zero Co-PayDHADoH

Premium Care · 800+ hospitals

Annual Premium

AED 8,450

Cover Limit

AED 1,000,000

Co-payment

0% in-network

Monthly (~)

AED 704

AED 5,570/yr more than best option
MaternityDentalOpticalTelemedicinePre-existing (waiting)
Zero co-pay in-networkLargest UAE networkWorldwide emergencyFull maternity
Get Quote →
MI
MSH InternationalWorldwideDHADoH

Expat Global · Worldwide

Annual Premium

AED 10,660

Cover Limit

AED 1,500,000

Co-payment

0%

Monthly (~)

AED 888

AED 7,780/yr more than best option
MaternityDentalOpticalTelemedicinePre-existing (waiting)
Worldwide coverRepatriationEvacuationPre-existing (with waiting)
Get Quote →
AC
Allianz CareWorldwideDHADoH

ActiveCare · Worldwide

Annual Premium

AED 11,440

Cover Limit

AED 2,000,000

Co-payment

0%

Monthly (~)

AED 953

AED 8,560/yr more than best option
MaternityDentalOpticalTelemedicinePre-existing (waiting)
Worldwide networkWellness programmeCancer full coverEvacuation
Get Quote →
CIG
CignaWorldwideDHADoH

Global Individual · Worldwide

Annual Premium

AED 12,825

Cover Limit

AED 2,000,000

Co-payment

0%

Monthly (~)

AED 1,069

AED 9,945/yr more than best option
MaternityDentalOpticalTelemedicinePre-existing (waiting)
Top worldwide coverMental healthCancer coverPreventive care
Get Quote →
Disclaimer: Premiums shown are indicative individual rates, age-adjusted. Actual premiums depend on medical history, group size, and insurer underwriting. Always get a formal quote. Full disclaimer

Official data sources

Last refreshed May 2026
Insurance Authority UAEUAE Central BankMOHRE Labour Law

Health insurance data sourced from official UAE government and institutional websites. Rates are indicative — always verify directly with the institution before applying.

Full disclaimerReport incorrect data
UAEMoneyWise

UAE's smart financial comparison platform. Compare products across leading UAE banks — free, instant, personalized.

hello@uaemoneywise.com

Products

  • Credit cards
  • Personal loans
  • Home loans
  • Savings accounts
  • Investments
  • Money transfer
  • Car insurance
  • Health insurance
  • Telecom plans
  • Visa & residency
  • Cost of living
  • Business setup
  • Guides

Tools

  • Card Recommender
  • Store Card Finder
  • Shop Search
  • Smart Spend Advisor
  • UAE Relocation Planner
  • EMI calculator
  • RERA rent calculator
  • Gratuity calculator
  • Salary calculator
  • Rent vs buy
  • Car cost calculator

Company

  • About us
  • Methodology
  • Finance glossary
  • How we make money
  • Advertiser disclosure
  • Privacy policy
  • Terms of service
  • Contact
  • Send feedback

Editor-verified data

Rates checked against bank KFS

PDPL-compliant

UAE Personal Data Protection Law

CBUAE-aware

Comparison-only, not financial advice

Human-edited

Real people, no AI hallucinations

© 2026 UAEMoneyWise. All rights reserved.

Comparison platform only — not financial advice. Always verify product details with the bank before applying. We may earn a commission on referrals. Full disclosure.