Health Insurance Sharjah

What is Health Insurance in Sharjah?

Health insurance Sharjah helps you manage the cost of medical treatment. For a premium, your insurer covers the costs related to doctor visits, emergency care, hospitalisation, lab tests, surgeries, maternity care, and more.

Let’s see this with a simple example:

If you suddenly need a surgery costing AED 18,000, you pay only a small co-pay (like AED 50–100). Your insurer pays the rest. Without insurance, you’d pay the full amount out-of-pocket. Because of these high costs, the UAE has made health insurance compulsory for residents in Sharjah and all Emirates from 2025.

Overview of Medical Insurance in Sharjah

Is Health Insurance Mandatory in Sharjah? (2025 Update)

Yes. From January 1, 2025, health insurance has become mandatory for —

• All private sector employees
• All domestic workers
• All dependents (children, spouses, parents)
• All residents applying for visa issuance or renewal

Important: You must show proof of medical insurance during visa processing. Employers who fail to provide cover may face penalties similar to Dubai (often AED 500 per month per uninsured worker).

Why Do You Need Medical Insurance in Sharjah?

Health insurance is becoming essential for everyone living in Sharjah. This is not just because it protects your health, but also because it protects your finances. Here’s why —

Access to Quality Hospitals

With a valid health insurance plan in Sharjah, you get access to top hospitals and clinics across Sharjah, Dubai, and other emirates. This way, you can access quick, reliable medical care without worrying about high hospital bills.

Protection From High Medical Costs

Healthcare costs in the UAE can be expensive if you’re paying out of pocket. For instance —

• A simple fracture treatment may cost AED 3,000–5,000
• Childbirth expenses can cross AED 15,000–20,000

With insurance, you pay only a small portion or nothing at all (depending on your plan). This is one of the biggest reasons people search for health insurance in Sharjah to avoid sudden financial stress.

Note: Medical costs vary based on the hospital, treatment type, and your health condition.

Mandatory for All Residents (2025 Rule)

Sharjah and all other Emirates have made medical insurance mandatory for all private employees, domestic workers, and dependents from 2025. This means —

• No worker can remain uninsured
• Sponsors must insure their domestic workers
• Families must buy coverage for dependents not covered by employers

Who Needs to Buy Health Insurance in Sharjah?

Here’s a simple breakdown of who must have Sharjah health insurance —

1. Employees (Private Sector): The coverage must be provided by employers

2. Domestic Workers: Maids, nannies, drivers, and cooks must be insured by their sponsors

3. Families & Dependents: If your employer does not cover dependents, you must insure them

4. Self-Employed / Freelancers: Since no employer is involved, you must purchase your own plan

5. Elderly Residents: Insurance is crucial for age-related medical needs

6. New Expats: Having a plan makes settling into the UAE easier and avoids visa delays

Pro Tip: Basic plans are affordable. However, if you have chronic conditions or children, comprehensive plans offer much better value.

Types of Health Insurance in Sharjah

Top Health Insurance Companies in Sharjah

Some of the most trusted providers for medical insurance in Sharjah include —

• Orient Insurance
• Watania Takaful
• Dubai Insurance
• Cigna Insurance
• Sukoon Insurance
• ADNIC (Abu Dhabi National Insurance Company)
• Takaful Emarat
• Adamjee Insurance

These providers offer different plan tiers (basic, semi-comprehensive, and comprehensive), so you can choose based on your medical needs and budget.

Best Health Insurance Plans in Sharjah 2025

Here are all the plans starting from the cheapest health insurance in Sharjah to the ones with the highest coverage—

Note: The above-mentioned plans are for a 25 year old male living in Sharjah with a monthly income of AED 8,000-9,000. Actual Sharjah health insurance prices vary based on age, health condition, coverage, and more.

General Inclusions of Health Insurance in Sharjah

Medical insurance plans in Sharjah usually cover a wide range of essential medical services. While benefits differ by insurer and plan tier, most policies include —

Emergency Treatments

Plans cover sudden illnesses, accidents, and critical situations requiring immediate medical attention.

Example: If you experience severe chest pain and visit the ER, the policy will usually cover the emergency evaluation and stabilisation.

Hospitalisation (Inpatient Services)

The coverage of health policies includes room charges, surgeries, ICU, medicines, and doctor fees when admitted to a hospital. Comprehensive plans may offer private rooms, while basic plans cover shared rooms.

Consultations & Diagnostic Tests

This includes GP visits, specialist consultations, X-rays, MRIs, blood tests, and other investigations essential for diagnosis.

Physiotherapy Sessions

If prescribed by a specialist, physiotherapy for injuries or chronic pain management is typically covered under limits. However, this option is usually available under semi- or fully comprehensive plans.

Maternity Care

Most plans include —

• Antenatal check-ups
• Normal delivery
• C-section
• Newborn care

Note that the coverage limits differ widely between basic and comprehensive plans.

Pre-existing Conditions

These are covered after a waiting period (usually 6–12 months) or right from day 1 (with a loading charge), depending on the insurer and the plan type.

Medical Evacuation & Repatriation

In critical situations, the insurer may arrange overseas emergency evacuation or repatriation of mortal remains. This is often done through global emergency service providers like Assist America that have a tie-up with the insurer.

Common Exclusions of Medical Insurance in Sharjah

Not everything is covered by Sharjah health insurance policies. Most basic plans exclude —

Cosmetic & Elective Treatments

Procedures like Botox, fillers, hair transplants, and cosmetic surgeries (unless medically necessary) are not covered.

Non-Essential Surgeries

Examples include purely elective procedures or treatments not medically necessary.

Vision & Dental Treatments

Optical and dental benefits are usually excluded unless you buy them as add-ons or choose a comprehensive plan.

High-Risk Sports Injuries

Injuries or health conditions due to participation in activities like skydiving, motorsports, or professional sports injuries are often excluded.

Self-Inflicted Injuries

Any intentional harm or suicide attempts are not covered.

Injuries from Illegal Activities

If the injury occurs while participating in unlawful activities, insurers will reject the claim.

When Should You Buy Medical Insurance in Sharjah?

Buying at the right time ensures lower premiums and better coverage. Ideally, 

If Your Employer Doesn’t Cover Dependents

Families must secure health insurance independently. Waiting right to the last minute may lead to delays in visa processing.

If You’re Self-Employed or Freelancing

Without employer insurance, you must buy a personal policy. Early purchase helps you avoid gaps in coverage.

If You’re Moving to Sharjah Soon

Medical insurance is mandatory for residency. Having a policy ready prevents visa delays.

To Lock in Lower Premiums

Younger applicants pay less. Buying early can save you money over the long term.

To Avoid 2025 Mandates & Penalties

From 2025, health insurance has become mandatory across the UAE. Delays may result in fines.

Rule of thumb: Don’t wait for a health issue. Buy health insurance before developing any medical conditions.

How Do Claims Work in Sharjah Health Insurance?

Sharjah health insurance supports both cashless and reimbursement claim systems.

Cashless Claims (Most Common)

You don’t pay at the hospital (except co-pay). Here’s how it works —

1. Visit a network hospital/clinic
2. Show your Emirates ID or insurance card
3. Provider seeks approval from insurer
4. Insurer pays the hospital directly

Best for: Doctor visits, lab tests, emergencies, maternity, regular treatments.

Reimbursement Claims (For Non-Network Providers)

This is used when you visit a hospital outside your plan’s network. Here is how it works —

1. Pay the full bill yourself
2. Collect documents — bills, reports, prescriptions, diagnostic results
3. Submit claim online
4. Insurer reimburses eligible expenses

Tip: Keep every document, even small pharmacy receipts. Missing paperwork can lead to rejection.

How to Apply for Health Insurance in Sharjah Through Policybazaarinsurance.ae?

Policybazaarinsurance.ae is the easiest way to compare and buy affordable Sharjah medical insurance. Here’s how it works —

Steps

1. Visit Policybazaarinsurance.ae → Health Insurance
2. Enter your details (age, salary, number of dependents, and more)
3. Compare Sharjah health insurance plans side by side
4. Choose a plan that matches your needs and budget
5. Pay online and download your policy instantly

How Does it Help?

• Avoids overpaying
• Helps you compare benefits clearly
• 100% digital process
• Quick policy issuance
• Supports all top insurers in Sharjah