Cheapest Health Insurance Dubai
Health insurance is mandatory for all employees and their dependents in Dubai (regulated by DHA) and Abu Dhabi (regulated by DOH/HAAD). Employers must provide at minimum an Essential Benefits Plan (EBP) that covers basic medical needs.
Coverage requirements
- Essential Benefits Plan: minimum AED 150,000 annual coverage
- Includes outpatient, inpatient, and emergency care
- Maternity coverage after waiting period
- Pre-existing conditions covered after waiting period
- Dental and optical may require enhanced plans
- Network hospital restrictions on basic plans
Cost factors
- Employee age and gender
- Number of dependents
- Plan level (basic, enhanced, premium)
- Network type (restricted vs. open)
- Deductible and co-pay structure
- Claims history
Pro tip
Group rates are significantly cheaper than individual policies. Even 2-3 employees qualify for group pricing.
Watch out
DHA fines employers AED 500/month per uninsured employee. Don't delay coverage for new hires.