UAE Medical Insurance Prices

How Much Does Medical Insurance Cost in the UAE?

When it comes to understanding UAE health insurance costs, it really depends on the type of plan and the coverage you’re looking for. 

Let’s break it down in a simple way — 

1. Basic plans are the most affordable. These start at around AED 340 per year and can go up to around AED 5,945 annually. These plans usually cover essential health services and are ideal for those earning under AED 4,000/month or with limited medical needs.
2. If you want a bit more coverage, semi-comprehensive plans are a good middle ground. They cost anywhere between AED 1,300 to AED 8,600 per year, offering broader benefits like outpatient visits, lab tests, and (sometimes) even maternity care.
3. For complete peace of mind, comprehensive plans are ideal. They give you access to a wide network of clinics, specialists, and even dental or optical care. These medical insurance plans range from AED 2,500 to AED 12,000 annually. They’re more expensive but come with a stronger safety net, especially for families or those with chronic conditions.

If you’re looking at medical insurance Dubai cost per month, basic plans can be as low as AED 30/month, while more extensive ones may cost over AED 1,000/month.

Medical Insurance Costs Across the Emirates: Dubai vs Abu Dhabi vs Northern Emirates

When it comes to medical insurance Dubai cost, location matters more than you might expect. Insurance prices vary depending on where you live in the UAE. Dubai, for instance, is generally on the higher end due to a wider range of premium healthcare providers and larger hospital networks.

Here’s a quick breakdown of average costs* based on region — 

*For reference only — actual premiums may vary as per your profile

As shown above, Dubai health insurance cost for individuals or families tends to be higher, mainly because of greater access to high-end private clinics and specialists. UAE medical insurance prices for families in Dubai, for instance, can go as high as AED 28,000 if you opt for comprehensive maternity, dental, and vision benefits.

Meanwhile, the medical insurance Dubai cost per month for a mid-range plan may lie between AED 400 to AED 700, depending on the insurer and network of hospitals. Abu Dhabi offers slightly more balanced pricing with strong government oversight, while Northern Emirates present the most affordable options for those on a tight budget.

Family Health Insurance: What Does It Really Cost in the UAE?

When you're covering not just yourself but your loved ones too, understanding UAE medical insurance prices for family becomes all the more important. A standard family health plan (for 4 members) in the UAE can cost anywhere between AED 6,200 to AED 28,000 per year, depending on the coverage level and the Emirate you live in.

In Dubai, where access to premium healthcare is often a priority, family health insurance tends to be slightly on the higher side. But this also means you get more — like full inpatient and outpatient coverage, maternity benefits, specialist consultations, and sometimes even dental and vision care included.

Here’s what you can expect — 

1. Basic family plans may start around AED 6,200/year. They offer essential coverage like general consultations and emergency care.
2. Mid-range plans often fall between AED 10,000–18,000/year. The plans usually add maternity care and more specialist access.
3. Comprehensive family plans with premium coverage across private hospitals and wider networks can reach up to AED 28,000/year.

Health Insurance by Category: From Expats to Seniors and Everyone in Between

Not all insurance needs are the same, and neither are the prices. UAE medical insurance prices vary depending on your age, visa status, and family situation. Let’s look at what different groups usually pay and what kind of coverage they can expect — 

1. 👵 Senior Citizens: Insurance for older adults is understandably more expensive due to higher health risks. Even a semi-comprehensive plan for a senior can start at AED 1,300 and go beyond AED 8,000 depending on their age and the Emirate of residence. It’s always a good idea for seniors to look into comprehensive coverage, especially for chronic conditions.
2. 👩‍❤️‍👨 Couples’ Joint Plans: For married couples who want to be covered under one insurer, medical insurance Dubai cost can range between AED 9,000 to AED 12,000 annually. These plans usually include maternity coverage, outpatient visits, and even alternative therapies depending on the insurer.
3. 👩‍🍼 Women Sponsored by Husbands: Women who are on a spouse visa often go for basic to mid-tier plans, especially those that include maternity benefits. Prices for this group generally range from AED 2,500 to AED 4,000 annually, depending on the insurer and network coverage.
4. 👨‍👩‍👧‍👦 Families Without the Main Policyholder: In some cases, families might want coverage for children or dependents only. These plans are usually priced similarly to individual plans. However, the overall UAE medical insurance prices for family can be managed better if dependents are grouped under a customised package.
5. 👨‍🔧 Domestic Workers: If you’re insuring a housemaid or driver, basic plans approved by the DHA start at around AED 725 to AED 1,100 per year in Dubai and as low as AED 340 in the Northern Emirates. These offer essential coverage like outpatient services and emergency care.

Top Medical Insurance Providers in the UAE

Let’s walk through some of the leading names offering coverage at competitive prices — 

1. Orient Insurance: Orient Insurance is one of the most popular providers in the UAE, especially for those looking for strong coverage and competitive pricing. With plans like Ecare Blue, Silver, and Emerald, coverage can go up to AED 1 million. Its plans are a favourite for families and individuals, offering outpatient services, maternity care, and even pre-existing condition coverage. 
2. Takaful Emarat: For those who prefer Shariah-compliant insurance, Takaful Emarat offers a smart mix of affordability and values. Their plans — Pearl, Green, and Dubai Care N5 — come with wide coverage, including maternity, outpatient, inpatient, and even alternative treatments. You’ll find options starting around AED 1,241/year, making them a go-to for budget-friendly yet comprehensive health insurance Dubai price options.
3. Watania Takaful: Watania Takaful brings another ethical and community-focused option to the table. With semi-comprehensive and comprehensive medical insurance plans, they offer excellent value for money. Benefits include specialist consultations, emergency treatments, and maternity support — perfect for those looking to manage medical insurance Dubai cost per month without compromising on quality.
4. Orient Takaful Insurance: As a branch of Orient Insurance, this provider offers Sharia-compliant health insurance with strong coverage for both individuals and families. Its plans include inpatient and outpatient maternity care, mental health support, and chronic illness coverage. With plans covering up to AED 1 million, Orient Takaful is ideal for families looking for reliable coverage and affordable UAE medical insurance prices for family.
5. Dubai Insurance: As the UAE’s first national insurance company, Dubai Insurance brings over 50 years of experience to the table. Its policies are known for flexibility and strong customer service. Benefits include full maternity cover, newborn care, outpatient and specialist services, and access to a wide hospital network.

Popular Medical Insurance Plans in the UAE

Here is a helpful comparison of some of the most popular medical insurance plans in the UAE — 

What Affects the Cost of Health Insurance in Dubai?

When comparing health insurance Dubai prices, you might notice that two people can pay very different amounts — even for similar plans. That’s because several factors quietly shape how much your coverage will cost, right from your age and health status to the Emirate you live in. 

1. Age of the Policyholder: Insurance providers calculate risk based on age. Younger individuals usually pay less, while older applicants — especially those above 60 — face higher UAE health insurance costs because of increased medical needs.
2. Emirate of Residence: Medical insurance Dubai cost is higher than that in the Northern Emirates. That’s because Dubai has a broader network of private hospitals, more premium facilities, and DHA-mandated coverage levels.
3. Network of Hospitals & Clinics: Plans with access to high-end hospitals, international clinics, or a wider network will naturally cost more. If you’re okay with using smaller or local clinics, you can find much more affordable UAE medical insurance prices.
4. Pre-existing Health Conditions: If you have chronic conditions like diabetes or hypertension, insurers may charge more or place limits on the coverage. Some comprehensive plans, however, do cover such conditions up to a set limit.
5. Number of Dependents: Insuring a full family will cost more than an individual plan, but many insurers offer bundle discounts. This is especially useful when comparing UAE medical insurance prices for family plans.
6. Maternity and Specialist Care: Plans that include maternity care, dental, vision, and access to specialists are priced higher. However, they also save you money in the long run, especially for families planning to grow.
7. Plan Type: Basic vs Comprehensive: Naturally, a basic plan starting at AED 340/year won’t offer the same benefits as a comprehensive plan that could cost up to AED 12,000/year. If you’re only looking for emergency care and clinic visits, basic is enough. But for regular treatments and full protection, you’ll need to invest more.

FAQs: Medical Insurance Cost in the UAE — Your Questions Answered