Health Insurance Plans for Expats in the UAE (2025)

Sunday, 18 May 2025

Health insurance is not just a legal requirement for expats living in the UAE—it’s a crucial safety net that ensures access to world-class healthcare without overwhelming out-of-pocket costs. Whether you’re relocating for work or already living in Dubai, Abu Dhabi, or another emirate, choosing the right health insurance plan can make a significant difference in your peace of mind and financial well-being.

Table of Contents

• Why Health Insurance Is Mandatory for Expats in the UAE
• What to Look for in a Health Insurance Plan
• Top Health Insurance Providers for Expats in the UAE (2025)
• Tips for Choosing the Right Plan
• Frequently asked questions

Why Health Insurance Is Mandatory for Expats in the UAE

The UAE mandates health insurance for all residents, including expats and their dependents. In Dubai and Abu Dhabi, employers are legally required to provide health coverage for employees, while dependents (spouses, children, domestic workers) must be insured privately. Failing to maintain valid health insurance can result in fines, visa delays, or even denied access to medical care.

What to Look for in a Health Insurance Plan

Before diving into the best plans, consider these key factors when choosing coverage:

• Network Hospitals: Check if your preferred hospitals and clinics are within the insurer’s network.
• Coverage Limits: Look for annual coverage limits that meet your family’s medical needs.
• Maternity and Dental Coverage: Not all policies include maternity or dental unless explicitly added.
• Pre-existing Conditions: Ensure pre-existing health issues are covered after any applicable waiting period.
• Geographic Coverage: Choose local UAE-only plans or international ones based on travel needs.

Top Health Insurance Providers for Expats in the UAE (2025)

1. Daman (National Health Insurance Company)

Best For: Government and Abu Dhabi-based residents

Daman is a trusted provider in Abu Dhabi and offers various tiers of plans, including the Thiqa program for Emiratis and the Basic and Enhanced plans for expats. Known for fast processing and a wide network of hospitals.

Highlights:

• Extensive Abu Dhabi coverage
• Fast claim settlement
• Competitive pricing for families

2. AXA Gulf (now GIG Gulf)

Best For: Expats in Dubai seeking flexible options

AXA offers a range of individual and family health plans tailored for different needs and budgets. Their network includes over 3,000 healthcare providers across the UAE.

Highlights:

• Global coverage options
• Maternity and dental add-ons available
• 24/7 customer support

3. Bupa Global

Best For: High-income expats and frequent travelers

Bupa is a premium international provider offering top-tier global health insurance. While costly, it provides exceptional benefits and coverage that extends far beyond the UAE.

Highlights:

• Worldwide network, including USA
• High coverage limits and VIP services
• Excellent for international families

4. Oman Insurance (in partnership with Bupa and Allianz)

Best For: Balanced local and international plans

Oman Insurance is a well-regarded local insurer offering plans both for basic coverage and premium international benefits through partners like Bupa and Allianz.

Highlights:

• Strong local hospital network
• Multiple customizable plans
• Smooth online claims process

5. Takaful Emarat

Best For: Sharia-compliant health insurance

This provider offers Islamic insurance plans (Takaful) that adhere to Sharia law. It’s ideal for those seeking ethical investment and healthcare alignment.

Highlights:

• Affordable pricing
• Compliant with Islamic principles
• Basic and comprehensive plans

6. MetLife UAE

Best For: Families and long-term residents

MetLife offers expat-friendly health plans, including wellness programs and flexible options for dependents and children.

Highlights:

• Extensive outpatient and inpatient coverage
• International medical second opinion services
• Strong digital app and support

Tips for Choosing the Right Plan

• Compare Quotes: Don’t settle on the first offer—compare plans from multiple insurers.
• Read the Fine Print: Understand exclusions, waiting periods, and claim procedures.
• Get Broker Advice: UAE-based insurance brokers can offer valuable guidance and help you get the best deal.
• Ask Your Employer: Some employers allow upgrades or top-ups to the company-provided insurance.

With so many health insurance options available in the UAE in 2025, it’s easier than ever to find a plan that suits your needs and budget. Whether you want basic emergency coverage or comprehensive international protection, choosing the right provider can save you time, money, and stress in the long run.

Make sure to review your lifestyle, family requirements, and travel habits before making a decision. A good health insurance plan isn’t just a legal obligation—it’s a long-term investment in your well-being.