How to Get Health Insurance in Dubai

Steps to arrange your health insurance

1. 1

   Understand who must provide cover

   In the emirate of Dubai, employers are required to provide health insurance coverage for their employees. If you are employed, your cover is your employer's responsibility, so start by asking your employer about the policy they provide.

   Dokumente:Employment contractPassport copyResidence visa
2. 2

   Know how your coverage is decided

   For resident expatriates, the extent of coverage for employers and their dependents is determined by the employee's salary, designation and similar factors. Ask your employer or insurer exactly what your policy covers and whether your dependents are included.

   Dokumente:Salary detailsDesignation or job title
3. 3

   Learn who regulates the sector

   The Dubai Health Insurance Corporation is the entity responsible for regulating the health insurance sector and ensuring the rights of the insured nationals and residents of Dubai. It also licenses insurance companies, third party administrators (TPAs), brokers and health services providers, so you can confirm that whoever you deal with is properly licensed.

4. 4

   Recognise the unified system — Enaya

   All government health insurance systems in Dubai have been unified under one umbrella, known as Enaya. This is the unified health insurance system, and understanding it helps you see how the pieces fit together.

5. 5

   Check policy is in place before visa steps

   From 1 January 2025, employers are required to purchase health insurance policy as a prerequisite for applying for the issuance or renewal of residency permits of private sector employees and domestic workers. If you employ domestic workers, make sure a valid policy is arranged before you apply for or renew their residency permits.

   Dokumente:Health insurance policyResidency permit application
6. 6

   Confirm quality and compliance

   To ensure an integrated health insurance system of high quality services, Dubai implemented monitoring systems, including the Insurance system for advanced healthcare in Dubai (ISAHD), a comprehensive initiative of Dubai Health Insurance Corporation. These systems exist to protect the insured. For current fees, timeframes and required documents, check the authority's website, as amounts can change.

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