Best Health Insurance in Dubai For Expats – Top 10 Companies

No matter how healthy you are and how much a healthy lifestyle you’re following, there can be certain times when you can face a medical emergency, and if you’ve decided to move to Dubai, the medical expenses there can be too much costly. That’s where companies providing Health Insurance in Dubai come in. These health insurance companies are responsible for covering your hospitalization and medical treatment costs.

You might be thinking, is it necessary to get health insurance? The answer is, Yes. The UAE Government has made it compulsory for all residents and Expats to get medical insurance.

If an employer is hiring you, then he might be providing you with the necessary medical coverage, but if you’re planning to take your family to Dubai as well, then you’ll need to get private health insurance for your family. Today, we’ll walk you through the Best Health Insurance Companies in Dubai and why you should get health insurance.

Getting yourself and your family the best health insurance in Dubai can save you from high medical costs whenever facing any medical emergency. You don’t need to spend a huge amount of money on insurance companies, as many cheap health insurance companies in Dubai provide the best affordable insurance packages for you and your family.

These insurance companies make sure to provide the best private health cover for families ensuring low-cost medical treatments for dental, maternity, and holistic care at the best hospitals and clinics in Dubai.

Let’s have a look at them.

Sr. No.	Company	Location	Contact
1	Neuron	IT Plaza, 6th Floor, Dubai Silicon Oasis	+971-4-317-8600
2	GIG Gulf	Showroom #4, Um Al Sheif Building, Plot #514-0, Makani #19694 80701, Next to Metropolitan Hotel, Um al Sheif, Sheikh Zayed Road	+971-4-507-4000 | 800-292
3	Dubai National Insurance & Reinsurance PSC	Dubai National Insurance Building, Floor # 7 & 9, Opposite Deira City Centre, Port Saeed, Deira	600-580-000
4	Daman Health Insurance	Hassanicor Building, Al Barsha, Al Barsha 1	+971-2-418-4200 | 800-432-626
5	Allianz Care	2nd Floor, Warba Center, Abu Baker Al Siddique Road	+971-4-605-1111
6	Met Life	New Century City Tower, 4th floor, Plot 129-187 Port Saeed, Deira	800-638-5433
7	Arabia Insurance	Rigga Al Buteen – 125 Green Tower, Street # 17 FLOOR 9 and 10, FLAT # 903,904,1003,1004, Dubai, UAE.	+971-4-228-0022
8	Aman – Dubai Islamic Insurance & Reinsurance Company	Gulf Towers, Oud Metha, Dubai, UAE.	800-4998
9	ASCANA – Takaful	Al Kazim Building – 61A Street – Entrance B 3rd Floor – Dubai – United Arab Emirates.	800-272-262
10	Sukoon Insurance (Previously Oman Insurance)	Omar Bin Al Khattab Street, Next to Al Ghurair Mall, Deira, Dubai	800-4746

Explore everything you want to know about United Arab Emirates work visa at UAE Work Visa Guide.

With a network of over 2,000 providers, Neuron is one of Dubai’s leading health insurance companies responsible for direct billing for adequate health coverage for corporate and personal use.

It provides access to healthcare treatments, including dental, treatment of chronic diseases, surgery, accidental coverage, and health insurance for independents.

Location: IT Plaza, 6th Floor, Dubai Silicon Oasis

Timings: Sunday to Thursday (8:00 am – 5:30 pm)

Contact No.: +971-4-317-8600

In case you want to check your insurance status, explore how to check Medical Insurance Status with Emirates ID - Guide.

With over 3,000 providers, GIG Gulf is also one of the top health insurance companies in Dubai, and it was Health Insurer of The Year in 2022. It provides access to a wide number of hospitals, clinics, dentists, pharmacies, and other health and medical services all over the UAE.

It’s not just in Dubai but a famous insurance company all over the UAE. It’s considered one of the most affordable insurance companies providing accidental health coverage benefits of up to 25,000 AED to 150,000 AED. There is no waiting period and you can begin using some of GIG Gulf’s pre-existing conditions and chronic health problems coverage on the first day of your insurance.

Location: Showroom #4, Um Al Sheif Building, Plot #514-0, Makani #19694 80701, Next to Metropolitan Hotel, Um al Sheif, Sheikh Zayed Road

Timings: Monday to Friday (09:00 am – 07:00 pm), Sunday (09:00 am – 06:00 pm), Closed on Saturday

Contact No.: +971-4-507-4000 | 800-292

Explore everything you want to know about Federal Authority of Identity Citizenship, Customs, and Ports Security (ICA) at ICA Smart Services.

One of the greatest and most reputable health insurance providers in Dubai, Dubai National Insurance & Reinsurance PSC (DNIR) has been in business since 1991 and provides home, travel, auto, commercial, and medical insurance coverage.

DNIR has strong international reinsurance backing from firms including Swiss Re and Munich Re. Being a member, you can select from a wider range of plans with worldwide or regional coverage.

Location: Dubai National Insurance Building, Floor # 7 & 9, Opposite Deira City Centre, Port Saeed, Deira

Timings: Monday to Friday (08:00 am – 05:00 pm), Closed on Saturday & Sunday

Contact No.: 600-580-000

Explore what's the Emirates ID Processing Time After a Medical Test.

Daman Health Insurance (DHI), with its 300,000 active registered members, is one of Dubai’s most trusted health insurance companies, with its packages starting from 615 AED to 800 AED.

If you plan to choose a health insurance package as an individual or a corporate business, you can choose from its wide list of packages of health insurance in Dubai.

More than 10,000 firms depend on DHI for its amazing health insurance packages for their employees. You can also access your Health Insurance Policy details on the Daman Health Insurance app.

Location: Hassanicor Building, Al Barsha, Al Barsha 1

Timings: Monday to Friday (08:00 am – 04:00 pm), Closed on Saturday & Sunday

Contact No.: +971-2-418-4200 | 800-432-626

You must renew your Emirates ID card in time at Emirates ID Renewal in order to avoid the consequences of not renewing Emirates ID.

Allianz Care is an international insurance company providing insurance services in Dubai in partnership with Orient Insurance. Together they offer a wide range of healthcare products, including Summit International Health Insurance Plan for Dubai residents.

Allianz Care offers direct billing, allowing members to manage their health care through its digital health services and 24/7 helpline.

Location: 2nd Floor, Warba Center, Abu Baker Al Siddique Road

Timings: Monday to Friday (08:00 am – 04:00 pm), Closed on Saturday & Sunday

Contact No.: +971-4-605-1111

Met Life is a worldwide insurance provider of insurance services in Dubai and other cities of UAE. Its packages start from 761 AED (Domestic Help) and 1,312 AED (For Dependents). Met Life healthcare policies include:

The best thing that separates Met Life from other insurance providers is that it has a dedicated policy for women for early diagnosis and treatment of breast cancer which makes it one of the distinct companies of health insurance in Dubai.

Location: New Century City Tower, 4th floor, Plot 129-187 Port Saeed, Deira

Timings: Monday to Friday (08:30 am – 05:00 pm), Closed on Saturday & Sunday

Contact No.: 800-638-5433

Now, you can easily check your UAE travel Ban at How To Check UAE Travel Ban - Guide.

Arabia Insurance has very affordable insurance packages, and they provide an additional 10% discount for a family of three and above. Their policy covers medical treatment required without hospitalization, maternity complications, hospital admissions, organ transplants, work-related injuries, etc.

It has the cheapest health insurance packages in Dubai and also cost-effective premium packages.

Location: Rigga Al Buteen – 125 Green Tower, Street # 17 FLOOR 9 and 10, FLAT # 903,904,1003,1004, Dubai, UAE.

Timings: Sunday to Thursday (08:00 am – 05:00 pm), Closed on Friday & Saturday

Contact No.: +971-4-228-0022

Aman is also one of the most prominent insurance service providers in UAE, and it has a wide range of packages of health insurance in Dubai, including:

Each insurance package is made according to your needs, and you can add whatever services you want.

Location: Gulf Towers, Oud Metha, Dubai, UAE.

Timings: Monday to Friday (08:00 am – 04:00 pm), Closed on Saturday & Sunday

Contact No.: 800-4998

ASCANA – Takaful has been offering insurance services since 1978 and is one the most trusted international insurance service providers providing services in surgical healthcare and several medical insurance policies to tackle unexpected medical emergencies.

Location: Al Kazim Building – 61A Street – Entrance B, 3rd Floor – Dubai – United Arab Emirates.

Timings: Monday to Thursday (08:00 am – 05:00 pm), Friday (08:00 am – 12:00 pm)

Contact No.: 800-272-262

You can easily check your NOL card balance at NOL Card Balance Check.

Sukoon Insurance offers services stipulated by the Dubai Health Authority (DHA). It’s accredited with DHA. Sukoon offers easy-to-pay payment schedules, and you can easily apply for them through the simple application process. Its packages start from 560 AED.

Location: Omar Bin Al Khattab Street, Next to Al Ghurair Mall, Deira, Dubai

Timings: Monday to Friday (08:00 am – 05:00 pm)

Contact No.: 800-4746

You’ll need Private Health Insurance in Dubai unless you’re an Emirati National. Your employer is responsible for your medical coverage, but he’s not obliged to take care of your family member’s medical expenses. So, you need to apply for your family member’s medical insurance in order to avoid huge medical expenses in case of medical emergencies. Every UAE resident is required to apply for medical insurance.

Both private and public healthcare are available in the UAE, and according to the UAE Government, alone, Dubai’s ratio is 60% private and 40% public.

Dubai’s public healthcare is mostly used by Emirati Nationals for free or at a very low cost. Public services normally include appointments with specialists, emergency care, physiotherapy, diagnostic tests, maternity care, and prescription medicine.

It’s important to note that ear, dental, and eye care are excluded from public services.

Expats can also avail of public services, but these public services aren’t free for Expats. You’ll need to apply for a Ministry of Health (MoH) approved health card. It’s best to apply for a health card as some services may not be covered by your private healthcare insurance so you might need public service care for this.

But, there’re some red flags for which Dubai Public Services shouldn’t be your first priority being an Expat. Let’s have a look at them.

Let’s have a look at how healthcare in your home country differs from that in Dubai.

It’s common practice to have the same doctor for your family, and you can make an appointment with your doctor whenever you face any medical issue. He might also become familiar with your family’s bloodline and the diseases associated with it. It also provides an advantage where you can go for a check without making an appointment.

People living in UAE can get emergency care at Dubai’s hospitals for free no matter whether they’re Emirati Nationals or Expats. You can get emergency care even if you don’t have a health card. You’ll be issued a temporary health card upon reaching the hospital.

While staying in Dubai, you don’t need any doctor’s referral to see any kind of specialist. You can simply make an appointment with a specialist at any public or private medical clinic.

In order to get maternity care in Dubai, you must be married, and upon reaching the hospital, you must present your marriage certificate. It’s also worth noting that home births aren’t allowed in Dubai.

It’s also important to note that if you’re hoping for a child in Dubai, then your child will be an Emirati Citizen only if one of the parents already has UAE citizenship.

Dubai is very strict in terms of prescription medicine. Many medicines that are normal in various countries are prohibited or restricted in Dubai. If you are required to take a certain medicine to Dubai, you must take no more than 3 months of supply.

Some medicines aren’t allowed in Dubai, and you must go through the list of prohibited medicines before taking any medicine to Dubai. If it’s a must to take your medicine with you, then you must contact the Drug Control Department of Dubai before taking any of them along with you.

Dental care can also be quite expensive if you’ll be spending the money from your pocket, so it’s best to have medical insurance in order to avoid spending too much money.

Now, you can easily track your Emirates ID delivery at Emirates ID Tracking.

Dubai’s Public Healthcare is almost free for Emirati Nationals in Dubai, or they have to pay a very low cost to obtain healthcare.

But it’s not free for Expats and even more expensive for non-UAE nationals. They have to obtain a health card which costs around 320 AED for adults and 120 AED for children under the age of 10.

Yes, health insurance is mandatory in Dubai. Almost all the residents in Dubai have health insurance. It doesn’t matter whether you’re employed or unemployed; you must have health insurance in Dubai. If you’re applying for a residency visa, you must note that you won’t be able to get one unless you get health insurance.

If an employer is hiring you, then he’ll be covering for your medical healthcare, but if you’re planning to take your family with you as well, then you must obtain private medical insurance for your family members.

You must sort out this problem before moving to Dubai as every month without being insured; you’ll be fined 500 AED, so you must take action in order to avoid the uninsured fine.

According to the UAE Ministry of Health, to provide Health Insurance in Dubai, Public Health Insurance companies must meet the following criteria.

The UAE Government has also taken steps for people having lower incomes. The Essential Benefits Plan (EBP) is a collaboration between small insurance companies and the Dubai Government to provide them with essential benefits at an affordable price.

If you’re getting any help from (drivers, cooks, and nannies) who earn 4,000 AED or less, you must provide them with insurance under EBP policies, and it’s illegal to deduct the insurance amount from their salary.

If you’re just visiting Dubai to enjoy, you’re not required to get medical insurance, but it’s worth noting that you won’t be able to get any free treatment during your stay in Dubai.

There should be no question in that as getting medical health insurance in Dubai is mandatory for everyone, but you must be familiar with the key concepts of it.

According to Government Reports, private medical insurance, on average, costs around 6,000 AED. It’s also important to note that Dubai is one of the most expensive cities in the world.

While family health insurance in Dubai, on average, costs around 20,000 AED.

A complete guide on Health Insurance in Dubai, including the cheapest health insurance companies in Dubai, has been shared above. Before moving to Dubai, you should read the whole article completely to get to know why you should get medical insurance before shifting to Dubai. Do let us know if you have any questions regarding Health Insurance in Dubai in the comments.