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Insurance for 5 year multiple entry visit visa for UAE - Dubai Forum

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Insurance for 5 year multiple entry visit visa for UAE

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Im intend to apply for this visa and am uncertain about the insurance.

Which insurance would be best suited for me and my 8 month old daughter, we plan to visit UAE for 30 days per visit.

I visited the daman website and saw that they offer zayarah insurance but require dates before hand that cant be switched and for some reason i dont get my visa by then, the fee will be wasted.

Any idea how long it takes for this visa to process?

Also any recommendations for best suited insurance?

you need to have insurance which is valid for 1Y from a uae based company, you can get it from Oman insurance or Orient insurance. visa process takes maximum 4 to 5 working days. can be applied directly to ICA website. you need to attach your bank statement for the last 6 month under your name . applicant should have 4K US$ bank balance.

Thank you so much for your response.

I hope this isnt a stupid question but does the bank stament need to reflect that i have had 4000 usd for the past 6 months?

And do I need 8000 usd in one account if im applying for a visa for myself and my daughter.

as far as i know yes, you should have 4K for 6 months in your accounts. since lots of people trying to bypass the same just doing a deposit for few months or weeks in order to get the visa. i know someone's visa was rejected stating the fund issue.

since you are applying for yourself and kids they may ask for 8K am not sure, it says per applicant.

i am applying UAE multiple enry visa and need insurance . so please guide me which insurance is valid for that

you can get the same from any uae based insurance, you can check online, Orient and Oman insurance is well known.

This topic has been closed to new posts due to inactivity.

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United Arab Emirates Insurance for Visitors

Safety and Travel Insurance Advice for the UAE

While medical care is exceptional in many areas of the UAE, it can also be expensive. Therefore, it is a good idea to have travel health insurance when you enter the UAE. A UAE travel insurance plan will ensure that you can get the best care available in an emergency without worrying about the costs.

If you are having a medical emergency, the UAE has fantastic medical facilities available. Many of them are accredited by international medical and hospital associations. Since 2008, the country has been working on unifying and stabilizing its health care system.

Travel Insurance Plans for Visitors to the UAE

The UAE has some excellent hospitals and overall great health care. However, services can be costly for visitors who are not insured. We recommend the following UAE travel insurance plans when visiting the country. Both plans cover Covid-19 for travelers to the UAE and other countries.

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Seven Corners Travel Medical Insurance

• Comprehensive medical coverage with benefits up to $5,000,000.
• Adventure activities coverage available.
• Emergency Medical Evacuation protection up to $500,000.

General Safety Tips and Staying Healthy in the United Arab Emirates

The United Arab Emirates is a relatively safe travel destination. Most incidents arise from either cultural differences or the weather, both of which can be managed with the appropriate knowledge and preparation.

Desert Life

The UAE is a subtropical desert. The country typically experiences very hot summers, with the highest temperatures in July and August, and fairly dry, mild winters. The country rarely receives rainfall making dust storms a hazard, although when rain occurs, flooding can also be an issue.

Heatstroke is one of the most common issues travelers to the UAE experience. Be sure to drink plenty of water. However, you should avoid drinking tap water or beverages containing ice made with tap water, because it may be contaminated with bacteria or other impurities. Bottled water or carbonated beverages in a can will be the safest choice to drink.

Due to the hot climate, tourists are often tempted to wear loose-fitting, casual clothing. Dress codes in the UAE are closely tied with religious views and even the legal system. Men should dress conservatively and show very little skin. Women should follow the same rules to a greater extent, making sure not to show bare shoulders, knees, legs, or arms.

In some areas – although usually not in the touristy parts – women may be required to cover their faces as well. While this may be inconvenient, covering up is also the best way to protect against extreme sun exposure, in addition to wearing sunscreen whenever outdoors.

Vaccines, Necessary Medicines, and Pharmacies When Traveling to the United Arab Emirates

Vaccinations.

Before departing to the UAE, it is important to check that you are current with all routine vaccinations. The CDC recommends that travelers to and expats in the UAE get a booster shot for hepatitis A and typhoid, both of which can be spread through food. The best way to avoid these diseases is to keep away from undercooked food or game meat that typically would not be served in the US.

Some travelers may also want to get a Hepatitis B shot. If you prefer not to, this disease can be prevented by avoiding sexual contact, abstaining from drug use that requires injection, and avoiding piercings or tattoos while abroad. Rabies vaccinations are only recommended if you will be traveling through remote areas or working closely with animals.

There are a variety of international sites to help you stay up to date on any health advice that applies to a safe trip abroad.

MERS (Middle East Respiratory Syndrome) is a viral respiratory illness that has occurred in countries throughout the Arabian Peninsula. Its symptoms include fever, cough, and shortness of breath. There are no advisories about avoiding travel because of it, but it is smart to take precautions such as washing your hands, avoiding ill individuals, and avoiding consuming raw camel milk (which has been linked to the disease in other countries). People with weakened immune systems, diabetes, kidney disease, or chronic lung failure are considered high risk for MERS. There is currently no vaccination or standardized treatment for the virus. The disease is rare and very close contact is needed for transmission.

Some prescribed medicines from other countries are considered controlled substances in the UAE, and therefore illegal. Check with your local embassy for a list, and see if you need permission from the UAE Ministry of Health prior to your stay in the country in order to bring medications in. Without this permission, you may be subject to prosecution under UAE law.

Most pharmacists in the UAE are expats themselves and it’s a growing industry there. You’ll be able to find pharmacies in most private and public hospitals, and the number is increasing due to the rapid growth in expatriates.

Outside of Abu Dhabi and Dubai, 24-hour pharmacies may be difficult to locate in the UAE. Most are open Saturday-Thursday. Some may be open for limited hours on Friday, but most are closed due to religious activities.

Medical Services in the United Arab Emirates

The healthcare system in the UAE has improved substantially in the last decade. Dubai has recently made it a law that all employers must provide healthcare to their employees free of charge. Consultation and some care are free to nationals and expatriates may receive subsidized medical service and easy access to facilities. However, it is generally recommended that visitors obtain UAE travel insurance to enter the country.

UAE travel insurance is mandated for certain visas. If you don’t need a visa or you can get a visa on arrival, you are not required to have travel insurance. But getting travel insurance for the UAE will cover you if you wind up in a sticky situation like a medical emergency.

All people residing in the UAE, citizens and expats, are required by law to have health insurance. Citizens living in the emirate of Dubai who are not covered by any other insurance have access to the program Saada. The emirate also requires employers to provide health insurance for resident expatriates, but not their dependents. Abu Dhabi covers its citizens through the Thiqa program; employers are required to provide health insurance for resident expatriates and their dependents (one spouse and up to three children).

If you will be working in the country, you will need international health insurance because a UAE travel insurance plan is insufficient. If you are moving to the UAE with your family, you will also need to arrange coverage for your dependents in most instances, the exception being certain dependents in Abu Dhabi. You will also need to arrange protection for other dependents and any domestic workers you will employ. You may also want to arrange for international health insurance if the UAE health insurance your employer provides is not sufficient for your needs.

International Health Insurance Plans for Expats Residing in the United Arab Emirates

William Russell and Now Health International offer compliant coverage in the UAE. They are some of the best expat insurance plans in the UAE because of their excellent support, extensive network of healthcare providers, and plan flexibility.

Related: Health Insurance in Dubai

• William Russell plans cover you internationally, both in the country you reside in and wherever you are traveling to (addons required for USA)
• Their network includes 40,000 hospitals around the world.
• Plans have comprehensive cancer coverage, including genome testing.

Now Health WorldCare Plan‎

• WorldCare is one of the most comprehensive, benefit-rich products in the international health insurance market today
• Access to world-class health facilities worldwide
• Talk to global member support 24/7/365

Visa Options for Traveling or Working in the UAE

Most travelers to and expatriates in the UAE are required to apply for a visa. Even if you are only transiting through the airport, if you will be there longer than 8 hours, you will need a visa. The kind of visa you need will depend on why you are going to the UAE and how long you want to stay there.

If you are changing planes in Dubai or Abu Dhabi and have more than 8 hours between flights, you will need to obtain a transit visa, which can be done through your airline or online. If you are staying longer, people of many nationalities can receive a tourist visa on arrival at the immigration counter at Dubai International Airport or Abu Dhabi International Airport. This will be valid for 30 days and can be extended for an additional 30 days for a fee.

If you are hoping to work in the United Arab Emirates you will need the sponsorship of the company that is hiring you or a resident of the UAE. The visa process will likely be managed by the company, but you will have to provide the necessary paperwork and take a blood test. It is important to note that the UAE will detain and deport any non-citizen who tests positive for HIV, and may also do so for people testing positive for tuberculosis or hepatitis.

Citizens from GCC nations - Bahrain, Kuwait, Oman, Qatar, and Saudi Arabia - do not need a visa to travel to and work in the UAE. Be sure to cancel your work visa upon leaving the country to avoid complications.

UAE Travel Warnings and Alerts

Before traveling to the UAE, be sure to check your respective governmental website for any updates on warnings and alerts.

• U.S. Department of State
• Government of Canada
• Australian Government, Department of Foreign Affairs and Trade
• Government of the United Kingdom

Stay Safe - Follow the Local Law and Customs in the United Arab Emirates

The UAE legal system is based on a civil law system much like the U.S., although it does have some elements of Sharia law that can be confusing for tourists. The word Sharia comes from Arabic and is roughly translated to morals. Many of these laws relate to legal punishments for issues involving sexuality, hygiene, religion, etc. It is often associated with the religion of Islam but has other uses within the Arab world as well.

Some of the legal issues travelers to the UAE should be aware of specifically involve physical affection between individuals as well as drug and alcohol use. Kissing in public is illegal, and foreigners are deported on a regular basis for violating this law. Additionally, premarital sex is a grievous violation as is homosexuality, both of which have led to the prosecution of foreigners in recent years. Underage drinking, public drunkenness, and any form of drug use are also criminal offenses that can be prosecuted. Foreigners are subject to these laws and can face lengthy prison sentences or worse for violations.

While most of the population in the United Arab Emirates identifies as Muslim, the government has adopted a strict non-discrimination policy between religions. Proselytizing is forbidden, as is criticizing or preventing the practice of any religion. That said, during the month of Ramadan, it is illegal for both Muslims and non-Muslims to eat or drink in public during daylight hours.

The UAE has one of the most disproportionate gender ratios in the world, with three men per woman . This gender ratio is mostly driven by foreign male laborers, particularly in construction. As a result, single females are often targeted by men. That is not to say women are the only targets. A number of male tourists have reported rape and sexual assault—by women and other men—in the UAE. Unfortunately, because sex outside of marriage is illegal, people who report they have been raped are often arrested and imprisoned for months . While the country has grown to economic prosperity for its protection of tourists and foreigners, it is also widely criticized for perceived human rights violations and failure to prosecute crimes against foreigners.

Emergency and Medical Contact Information in the United Arab Emirates

Emergency Service Contact Information:

• Police : 999
• Ambulance : 998

More emergency numbers are located here through the UAE’s official governmental page.

Embassies in Abu Dhabi:

• United States Embassy : +971-2-414-2200
• Canadian Embassy : +971 2 694-0300
• Australian Embassy : +971 2 401 7500
• New Zealand Embassy : +971 2 4411222
• United Kingdom Embassy : +971 2 610 1100

More to Read:

America: Safety and Travel Insurance for the USA

Hong Kong Travel Insurance

Insurance for Travel to Russia

Ireland – Travel Insurance for Visitors

Malaysia: Travel Insurance and Safety Advice

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Getting a health insurance

Related eservices, health insurance in abu dhabi, health insurance in dubai, health insurance in sharjah, health insurance in ajman, health insurance for resident expatriates.

• Filing an Insurance-Related Complaint – Central Bank of the UAE
• Submit insurance related complaint - Central Bank of the UAE
• Request for Submitting Health Insurance Complaint – Department of health Abu Dhabi
• Register an insurance complaint – Daman
• File an insurance claim online  - ISAHD
• Insurance Partner Relation Management eSystem (iPROMeS )ز

Under the 'Thiqa' programme , Abu Dhabi Government provides full medical coverage to:

• UAE nationals and those with a similar status from Abu Dhabi
• UAE nationals and those with a similar status from other emirates
• · non-UAE nationals sponsored by a UAE national family member (as per the criteria set by Department of Health –Abu Dhabi.)

You can enrol in, or renew your insurance through the Thiqa website or by using the Thiqa app on App store or Google Play .

Insurance includes broader geographical coverage and extra health benefits.

The insured will get a Thiqa card, through which he/she can get access to a large number of private and public healthcare providers registered in the network of Daman, health insurance provider.

Check eligibility requirements .

Find answers to FAQs on Thiqa.

• Thiqa website  
• Thiqa Programme - TAMM.

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.

Find DHA Insurance Service Catalogue - (PDF, 509 KB).

The unified health insurance system - Enaya

All government health insurance systems in Dubai have been unified under one umbrella, known as Enaya .

Enaya serves as the healthcare benefits scheme for employees of Dubai Government and citizens of Dubai. It offers a broad range of coverage including treatment for almost all types of ailments, chronic and acute.

Refer to Enaya Beneficiary Guide - (PDF, 718 KB) for more information.

Medical services under the Enaya scheme are delivered through two companies

• Almadallah.

Eligibility criteria

To be eligible for coverage under Enaya, you must either be a:

• citizen of the emirate of Dubai and must not already covered by any other government insurance or
• an employee of Dubai Government.

Enrolment in the scheme

Enrol in ‘Enaya’ either online or through the Enaya kiosk.

Regulatory and compliance systems

To ensure an integrated health insurance system of high quality services, Dubai implemented the following monitoring systems:

ISAHD is a comprehensive initiative of Dubai Health Insurance Corporation. It aims to establish a sustainable high quality healthcare in Dubai, catering to nationals, residents and visitors.

It serves as an advisory, offering insights on the insurance coverage, laws and any other insurance related queries.

ISAHD takes measures to enhance the healthcare system and plays a role in the licensing process for insurers, intermediaries and TPAs.

The interactive platform iPromes provides individuals with a channel to express their opinions, offer their feedback, file complaints, provide suggestions or compliments to insurance service providers and regulators in the emirate of Dubai.

• Health Insurance Compliance and Audit Log (HICAL)

The Department of Health Insurance at Sharjah Health Authority oversees health insurance coverage for UAE nationals in the emirate of Sharjah. Initially, Sharjah Government provided health coverage only to Sharjah Government employees, their dependents and and Senior Emiratis (those who are 60 years old or above). However, since January 2020, it decided to  extend the insurance coverage to all citizens of Sharjah.

The Government of Ajman provides all its employees with health insurance. An updated list of hospitals, clinics and pharmacies approved by the health insurance network and claim forms can be accessed from  Ajman Government  site.

The extent of coverage for employers and their dependents is determined by the employee's salary, designation etc. The extent of coverage and type of policy/scheme would determine the cost of your medical services.

In the emirate of Abu Dhabi, employers and sponsors are responsible for the providing health insurance coverage for their employees and their families (1 spouse and 3 children under 18 years).

In the emirate of Dubai, employers are required to provide health insurance coverage for their employees. Sponsors are required to get insurance cover for their resident dependents.

There are several insurance companies in the UAE. Many also provide Islamic insurance (takaful).

Related links:

• Insurance System for Advancing Healthcare in Dubai (ISAHD)
• Health funding .  

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Home » Blog » UAE Law » Federal Law » Medical insurance law » Visit visa insurance: the insurance that every Dubai visitor needs

Visit visa insurance: the insurance that every Dubai visitor needs

by khlegal | Dec 4, 2022 | Medical insurance law | 0 comments

The United Arab Emirates in general, and Dubai in particular have one of the best health systems, and Visit visa insurance or medical insurance for visitors is a requirement that helps maintain those high standards.

From January till September this year, 10.12 million visitors have landed in Dubai as one of the most desired tourist spots in the world, and Visit visa insurance helps keep everybody safe and healthy.

and with such high standards for medical care, it is not surprising that medical bills have grown substantially as those standers get higher.

so what is Visit visa insurance? how does it work? and how can you apply? and is it mandatory? we at Khairallah advocates and legal consultant s will help answer all your inquiries.

Read More About:  Concept and Significant Conditions of Extradition

Table of Contents

first, what is Visit visa insurance or medical insurance for visitors?

Travel Medical Insurance for Dubai or medical insurance for visitors is a medical insurance that covers UAE visitors during the duration of their stay.

it provides medical treatments for visitors for all emergencies and treatments for up to 150.000 AED (except for chronic illnesses)

Visitor Health Travel Insurance Plan is specifically designed to fulfill the medical needs of visitors to the UAE. individual Medical Insurance Policy can be obtained by any person traveling to UAE.

when applying for a visa it’s mandatory to show proof of travel medical insurance, therefore it’s extremely necessary to apply for the proper medical insurance beforehand.

if you come from a country that doesn’t require a visa to enter the UAE then you may enter the country without having insurance.

this also applies in situations where you can apply for a visa after arrival, but we highly recommend that you also have one in case of any emergency.

what are the types of Visit visa insurance?

the type of medical insurance you need depends on how long is your visit, as you can have traveler’s medical insurance for 30 days, 60 days, 90 days, or 180 days for multiple entries.

also, the age of the travelers and the number of overall travelers under the policy plays a major role in determining the price.

you could expand your policy but the minimum requirements are as follow :

• Emergency medical care and hospitalization
• Medical evacuation coverage 
• return of the remains of deceased
• Accidental death and permanent disability
• 24/7 emergency hotline

the price range of medical insurance for travelers starts with the most basic plan of 30 days for 40 AED, the price goes up depending on duration and add-ons.

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according to the director of the (DNRD) Mr. Brigadier or Major General Mohammed Ahmed Al Marri, “The beneficiary will receive treatment at a hospital in case of an accident or emergency. The insurance policy will cover 100 % of services offered to the patient, including hospital accommodation, diagnostics fees, surgery, anesthesiology, and aid for emergency situations leading to hospitalization. The drugs and medicines needed for treatment inside the hospital will also be covered”

where to buy UAE Visit visa insurance?

you could either buy Visit visa insurance from your country before visiting, or you could visit visa insurance websites online and compare offers based on your needs and the duration of your visit.

here are some tips to help you benefit from the insurance experience in the best way :

• make sure you have a comprehensive policy that fulfills all your needs since the medical cost in Dubai are extremely high
• buy the policy early as you can’t have a visa without insurance
• compare different policies from different companies
• read the policy carefully and learn everything it covers and everything it doesn’t cover
• if you felt confused or had a problem make sure you contact our excellent legal team for advice

cases that are not covered by Dubai Travel Insurance

Travel medical insurance covers a wide range of medical treatments, emergencies and accident-related injuries, but there are several cases in which the insurance seizes to cover:

• injuries while performing high-risk activities which the insurance policy doesn’t cover
• injuries that occur while intoxicated with drugs or alcohol
• injuries occurring due to reckless behavior
• chronic illness or pre-existing conditions (except if it’s stats clearly otherwise in the policy) Get More Info About:  Division of the Company’s Assets and Liquidation in the United Arab Emirates

what extra benefits does a full travelers insurance offer?

you can opt to have extra features while traveling, although these features are not legally obligatory to obtain, but it is good to know that these options are available.

these features can extend to your Personal belongings in case of loss or damage coverage, also Hijack coverage in case of any trouble that happened on the flight.

it might cover Trip disruption in case of delays or cancelations or any other trouble that might occur on the road as long that they are not caused by negligence.

nowadays some companies offer Covid-19 Coverage Advantages as well as 24/7 assistance.

we wish you always have fun traveling, but you have to stay careful, take precautions and stay ready with the right insurance policy.

make sure you check our blog for any legal issues you might need to deal with such as car insurance law in Dubai.

If you are planning to travel to Dubai on a visit visa, it is mandatory to have travel insurance that meets the minimum coverage requirements set by the Dubai Health Authority (DHA). The insurance should cover emergency medical expenses, emergency medical evacuation, and repatriation of remains.

you can contact our best lawyers team that will give you the all information and services you need.

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A Guide to Dubai Residence Visa Insurance Rules

It is important to note that health insurance is mandatory for all residents, including expatriates and their dependents, in Dubai. Failure to comply with these requirements can lead to fines, visa rejection, and limited access to healthcare services.

Discover the world's top health insurers. Compare quotes with a click of the button.

Are you interested in learning more about the Dubai Residence Visa rules? Do you want to know why medical insurance is important in Dubai? Do you want to know the requirements? Keep reading this article to answer every question. 

Dubai has specific insurance requirements for residents holding a residence visa. This Pacific Prime article will provide you with a comprehensive understanding of the insurance rules and coverage required to secure your stay in Dubai.

Is Travel Insurance Required When Visiting Dubai?

If you plan to apply for a UAE visa, you will need to provide proof of travel insurance. While travel insurance is not obligatory for all visitors, it is highly recommended to purchase a policy to protect yourself from unexpected expenses. 

Travel insurance can provide coverage for medical emergencies, trip disruptions, and the loss of personal belongings. In cases of unforeseen circumstances, such as illness or accidents, having travel insurance can offer financial protection and peace of mind.

Although travel insurance is not a legal requirement, it can be a wise investment to ensure a worry-free trip and protect yourself from potential financial burdens in the event of unexpected events.

Below is a table denoting the average cost of travel insurance policies by level of coverage.

Mandatory Health Insurance for Dubai Residents

Dubai has implemented a mandatory health insurance requirement for all residents as part of the Dubai Health Insurance Law. This law ensures that every resident, including expatriates and their dependents, has access to healthcare services and financial protection against medical expenses. 

Health Insurance for Employees 

In the case of employment, the UAE medical insurance law requires employers to offer their employees a basic health plan that has an annual premium ranging from USD $136 to $190 (AED 500 – AED 700) and a maximum coverage limit of USD $408 (AED 1,500) per person per year. 

The minimum coverage should include the following: 

• General practitioner visits
• Emergency treatments
• Specialists and surgical procedures
• Investigative procedures
• Maternity procedures
• Medical emergencies
• Trip disruption
• Loss of personal belongings
• Emergency evacuation and repatriation of mortal remains

Documents Required for Dubai Residence Visa Insurance

When applying for Dubai residence visa insurance, there are certain documents that you will need to provide. These documents may include:

• Passport copies of the insured individuals
• Visa copy of the insured individuals
• Emirates ID copy of the insured individuals
• Medical history records, if applicable
• Proof of payment for the insurance premium

Additionally, if you’re applying for a Dubai residence visa , you’ll need to submit a number of supporting documents that prove your identity, nationality, medical fitness test, insurance coverage, and any employment contracts. 

The list of documents required for submission is as follows: 

• A UAE visa application form 
• Your original passport
• Two passport sized photos (in accordance with UAE’s visa photo requirements)
• Your entry visa
• Proof of legal residency, UAE citizenship, or sponsor’s legal residency
• Medical fitness certificates
• Proof of UAE health insurance or private health insurance
• For families: family visas, birth certificates, and marriage certificates
• For work visas: a copy of your work contract and copies of your employer’s valid trade license and firm card are required
• Any documents supporting your purpose of travel

Medical Fitness Test

When applying for a visa to work or live in the United Arab Emirates (UAE), you must first pass a medical fitness test. This thorough checkup guarantees that no one has any communicable diseases like tuberculosis, HIV/AIDS, Syphilis, Leprosy, Hepatitis A, B, and C. 

The medical fitness test comprises the following tests:

• Blood tests: To test for HIV 
• Chest X-rays: To test for pulmonary tubercolosis

Overall, it is vital to confirm with your insurance company or employer the precise paperwork they will need to process your application for a Dubai residence visa or insurance policy.

Having the necessary health insurance coverage and providing the required documents will ensure a smooth visa application process and compliance with the Dubai residence visa insurance requirements.

Dubai Health Insurance Law: Mandatory Coverage for Dubai Residents

The Dubai Health Insurance Law , implemented in 2014, is a crucial aspect of residing in Dubai. Under this law, all residents in the emirate, including expatriates and their dependents, are required to have health insurance coverage. 

Employers have the responsibility of providing health insurance coverage for their employees. The minimum coverage includes medical emergencies, trip disruption, loss of personal belongings, and emergency evacuation or repatriation of mortal remains.

Non-compliance with the health insurance law can result in fines, visa-related issues, restricted access to healthcare services, employer and sponsor penalties, legal consequences, and reputational damage. 

Health Insurance Law in Dubai

Complying with the health insurance law is essential to maintaining a valid legal status, avoiding penalties, and ensuring access to quality healthcare services in Dubai. It is advised to consult with an insurance professional to determine the appropriate coverage that meets the Dubai residence visa insurance requirements.

Below is a table that provides an overview of the key details of the mandatory health insurance law:

Visa Renewal and Health Insurance

When renewing a residence visa in Dubai, it is crucial to have valid health insurance coverage. Failure to maintain a valid health insurance policy can lead to delays in visa processing, potential denial of visa renewal, and even legal consequences. 

Furthermore, employers are responsible for ensuring that their employees have health insurance coverage that meets the visa requirements. Similarly, sponsors must ensure that their dependents also have adequate health insurance coverage.

It is advisable to thoroughly review your policy and ensure that it meets the requirements set by the Dubai Health Authority. This includes coverage for medical emergencies, trip disruptions, loss of personal belongings, and emergency evacuation or repatriation of mortal remains.

Penalties for Non-compliance with Health Insurance Laws in Dubai

Failure to comply with the health insurance laws in Dubai can have serious consequences. 

Residents who do not meet the mandatory health insurance requirements may face fines, visa-related issues, and restricted access to healthcare services. Employers and sponsors are also subject to penalties if they fail to provide health insurance coverage for their employees and dependents.

To avoid these penalties, ensure that you have valid health insurance coverage that meets the minimum requirements set by the Dubai Health Authority. This includes adequate coverage for medical emergencies, trip disruptions, loss of personal belongings, and emergency evacuation or repatriation. 

Penalties for Non-compliance

The penalties for non-compliance with health insurance laws in Dubai can vary depending on the severity of the violation. Residents who do not have valid health insurance may be subject to fines ranging from AED 500 to AED 20,000 or more. 

In addition to financial penalties, non-compliant residents may face visa-related issues, including delays in visa processing and denial of visa renewal. Below are the penalties associated with non compliance:

By staying compliant with the health insurance laws in Dubai, you can ensure that you and your dependents have access to quality healthcare services and avoid facing penalties that can affect your legal status and overall well-being in the country. 

Healthcare Expenses in the UAE

Healthcare expenses in the UAE can be a significant financial burden, especially for residents without health insurance. The UAE has a well-developed healthcare system, but medical costs can add up quickly, making it essential to have proper insurance coverage. 

Health insurance provides financial protection in case of unexpected medical emergencies, routine check-ups, and chronic illnesses. It ensures that you have access to quality healthcare services without incurring substantial out-of-pocket expenses. 

When considering health insurance options for Dubai, it is crucial to research different policies and compare prices. Factors such as the duration of your stay, the coverage you need, your age, and the number of individuals included in your plan can affect the cost of insurance. 

By assessing and analyzing various insurance options, you can find the most suitable plan that meets your needs and budget. Below are the advantages of having health insurance in the UAE: 

Having health insurance not only provides you with financial security but also ensures that you receive the necessary medical care when you need it the most. By prioritizing health insurance coverage, you can safeguard your well-being and avoid the potential financial burden of healthcare expenses. 

Comprehensive Coverage from Expat Health Insurance

In most cases, meeting the minimum insurance requirements for a visa does not necessarily mean you’ll receive the healthcare you need. This is why expat health insurance is recommended—to provide you with comprehensive coverage. 

Expat health insurance provides expats with access to the best private healthcare in the UAE, with significantly shorter wait times. Furthermore, expat health insurance provides comprehensive coverage for a wide array of medical services, whether inpatient, outpatient, or specialist treatment. 

Expat health insurance offers the following benefits:

• Global coverage (Optional: Including the United States)
• Inpatient and outpatient coverage
• Direct billing
• Access to the best private hospitals and doctors
• Unlimited claims
• English-speaking customer support
• Emergency evacuation and repatriation services
• Lifetime renewability
• Maternity coverage
• Preventative care

The Best Travel Insurance Carriers 

For travel insurance, IMG, Vumi, and April International are the best for globetrotters. Below is a table illustrating their relative advantages.

Importance of Health Insurance Compliance in Dubai

Compliance with health insurance requirements in Dubai is crucial for maintaining a valid legal status and securing access to quality healthcare services in Dubai. Whether you are a resident or an employer sponsoring employees, adhering to the insurance rules and coverage requirements is essential.

By ensuring health insurance compliance, you not only avoid penalties but also gain financial protection against unexpected medical expenses. Health insurance guarantees equitable access to healthcare services for all residents, ensuring that you and your loved ones are covered in case of medical emergencies or routine check-ups.

Understanding the Dubai residence visa insurance requirements and consulting with an insurance professional can help you navigate the process smoothly. They can assist you in finding the most suitable coverage that meets the guidelines for Dubai visa insurance.

If you need guidance, you can place your trust in Pacific Prime. We’re a renown insurance broker with decades of experience, providing our advice to our clients on which insurance plans to pick to best meet their needs. 

If you’re a Malaysian, it’s worthwhile to read a Malaysian’s guide to getting travel insurance for Dubai. Similarly, if you’re Nigerian, it’s worthwhile to read a Nigerian’s guide to getting travel insurance in Dubai. 

For a better expat experience, contact us today or compare plans . 

Are health insurance and travel insurance mandatory for Dubai residence visa holders?

Health insurance is mandatory for all residents with a residence visa in Dubai, including expatriates and their dependents. Travel insurance is not mandatory for visiting Dubai unless you are applying for a UAE visa. 

Who is responsible for providing health insurance coverage for employees and dependents?

Employers are responsible for providing health insurance coverage for their employees, while sponsors must ensure coverage for their dependents.

What does the minimum health insurance coverage include?

The minimum coverage should include medical emergencies, trip disruption, loss of personal belongings, and emergency evacuation or repatriation of mortal remains.

What are the consequences of not having valid health insurance coverage?

Non-compliance can result in fines, visa-related issues, restricted access to healthcare services, employer and sponsor penalties, legal consequences, and reputational damage.

How much does travel insurance for the UAE cost?

The cost of travel insurance varies depending on factors such as trip duration, coverage, age, and the number of people included in the plan. It is advisable to research and compare different policies to find the most suitable option.

Why is health insurance compliance important in Dubai?

Compliance with health insurance requirements ensures a valid legal status, avoids penalties, and guarantees access to quality healthcare services for residents.

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Serena Fung is a Senior Content Creator at Pacific Prime, a global insurance brokerage and employee specialist serving over 1.5 million clients in 15 offices across the world. With 2+ years of experience writing about the subject, she aims to demystify the world of insurance for readers with the latest updates, guides and articles on the blog.

Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).

Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.

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Pacific Prime Dubai specializes in helping you find and secure the best insurance in Dubai. With 20+ years of operating experience and a global presence, our expert advisors work with you to identify your coverage needs. Contact us today for a free quote.

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Health tourism in the UAE: How to obtain a visa for medical treatment

Living in uae.

A UAE-based hospital must sponsor the entry permit for the foreign patient.

Dubai: The UAE ranked first in the Middle East for medical tourism in 2021, according to US-based Medical Tourism Association. In the same year, Dubai received over 600,000 international patients, as per a report released by Dubai Health Authority.

To assist patients who wish to receive medical treatment in the UAE, immigration authorities have made it easier for foreign patients and their family members to apply for visas. According to u.ae, the official website of the UAE government, foreign patients can enter the UAE for treatment under the sponsorship of a government or private hospital. It is the responsibility of the medical establishment to apply for the medical treatment entry permit upon the patient’s request.

For patients seeking medical treatment in Dubai

If a patient is seeking medical treatment in Dubai, they will need to apply for a ‘Medical Entry Permit’ from the General Directorate of Residency and Foreigners Affairs Dubai (GDRFA).

There are two types of entry permits:

Medical Treatment Entry Permit - Single Entry: The holder of this visa must enter the UAE within 60 days from the date of issue and stay for 90 days from the date of entry.

Medical Treatment Entry Permit - Multiple Entry: This visa also has a validity of 60 days, with a permitted stay of 90 days from the date of entry. However, the stay can be extended under this visa, if a medical report is submitted, stating that the patient needs to continue treatment.

In Abu Dhabi and the Northern Emirates

For Abu Dhabi, Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah and Fujairah, foreign patients will need to apply for a medical treatment visa through the Federal Authority for Identity, Citizenship, Customs and Ports Security (ICP).

There are two types of permits:

• Single entry medical treatment visa • Multiple entry medical treatment visa

Cost The cost of the visa ranges from Dh85 to Dh100, depending on which type of visa you apply for.

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Annual aggregate limit of AED 1,000,000

Annual aggregate limit of aed 1,000,000 t&c apply world wide coverage 0% co-payment dental cover covid 19 covered get health insurance for.

Tourist Health Insurance - the United Arab Emirates

The Government of the United Arab Emirates, by a regulation, has made it mandatory for all UAE tourists to have a cheapest health insurance in Abu dhabi policy attached to their valid tourist visas. Tourist health insurance is essential as it protects travelers against medical emergencies during the visa period.

The Covid-19 pandemic has given a wide significance to the tourist Buy health insurance Abu dhabi sector, and health insurance has become a necessity for all travel requirements. It is advisable to have a travel insurance policy covering medical expenses as medical requirements are very costly in the UAE.Are you looking for the cheapest life insurance in uae? If so, insurancehub can help

Different Types of Health Insurance

Health insurance is a must-have if you are residing in Ajman as it protects you from uncertain financial burdens and all other benefits attached to it.

There are basically 4 types of Health Insurance in Ajman:

Individual Health Insurance

It’s a kind of health insurance that covers an individual from all the medical expenses which a policyholder incurs during an uncertain medical emergency.

Family Health Insurance

This is a kind of Health Insurance plan that covers your entire family from any uncertain Medical emergency expenses against the cover amount promised by the Insurance provider.

Group Health Insurance

This is a kind of Health Insurance that is generally provided by an organization for its employees.

Critical Health Insurance

This is a kind of Health Insurance that covers specific diseases that are life-threatening and is not covered under general health insurance

It requires the Policyholder to visit the Hospital quite often for regular and timely health checkups.

Why is Tourist Health Insurance a Legal Requirement in UAE

The catastrophic devastation caused by the recent Covid-19 pandemic has shaken Governments around the globe, and each Government is sworn on saving its people from further disaster. The Wuhan virus took the lives of many healthy people, and Governments across the globe have sworn on saving people from further disaster. UAE made Cheapest health insurance Dubai a legal requirement in 2020 after the Covid -19 disaster.insurancehub.ae is an insurance comparison website in UAE. We are dedicated to serving you with all the information that you need regarding insurance. Insurancehub is a Cheapest Health Insurance,job loss insurance brings leading insurance solutions covering your car, home, travel and health to suit your requirements Job loss insurance UAE and Cheapest Life insurance in UAE.job loss insurance brings leading insurance solutions covering your car, home, travel and health to suit your requirements Job loss insurance UAE

Why Choose Insurancehub.ae?

Insurancehub.ae is a leading Insurance aggregator in the UAE with an established customer base. We provide travelers with diversified policy plans of the top five insurance companies in the UAE. Insurancehub.ae offers free expert consultation on various policy plans to suit the clients' requirements. With a team of well-trained experts, we provide quick claim disbursals and follow a policy of guaranteed customer satisfaction.

Insurancehub.ae also has a 24x7 multilingual helpline to help travelers with their Health insurance Dubai requirements and claim benefits. Insurancehub.ae offer tourists, individual and group health insurance as per their travel plans from the top-rated insurance providers.

Insurancehub.ae for Tourist Health Insurance

Trips to the UAE can be secured with a good tourist health insurance plan, and Insurancehub.ae offers that security. Insurancehub.ae is the best-rated insurance aggregator in the Insurance industry. Insurancehub.ae provides a wide range of health insurance providers with various travel health insurance plans for tourists to choose from; plans that give a world cover to all your medical needs, such as:

• Medical emergencies
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Since Tourist Health Insurance is a legal requirement in the UAE, Insurancehub.ae offers the best health providers, with a wide range of benefits. The customer can choose their preferred policy depending on the requirements.

Choose Insurancehub.ae to get the best tourist health insurance policy and quick claim settlements with a guaranteed customer satisfaction.

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Uae golden visa: which health insurance schemes are popular among long-term residency holders, many expats look for international policies and opt for a comprehensive cover.

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Golden Visa holders can opt for basic insurance covers, with annual premiums starting from less than Dh1,000, industry executives have said.

However, long-term residency holders tend to look for international policies, customised plans and prefer to buy separate health insurance for themselves and their dependents rather than as part of their company’s package.

The National Health Insurance Company (Daman) became the first company in the UAE to introduce a health insurance package designed specifically for Golden Visa holders. The premium for Cover Silver starts from as little as Dh2,393 which provides a coverage limit of up to Dh300,000. While Enhanced Gold starts from Dh4,985 with an annual limit of Dh2.5 million and Premier package starts from Dh39,857 with an annual limit of Dh20 million. The packages also provide 180-day coverage outside the UAE during holidays or business trips.

Approximately, over 65,000 people have received the Golden Visa in Dubai.

“Many Golden Visa holders opt for a comprehensive cover which – depending on age, health factors, hospitals/clinics covered – may range from Dh2,000 to Dh50,000 and can also go beyond that in case of adverse health conditions declared prior to issuance of the policy. However, if a Golden Visa holder wishes to opt for a basic cover, there are options starting under Dh1,000 as well,” says Hitesh Motwani, chief marketing officer at insurancemaket.ae.

Daman’s policy for Golden Visa is valid for one year and can be renewed on a yearly basis.

Neeraj Gupta, CEO, Policybazaar.ae, said expects by the end of 2022, more insurers would provide special health insurance plans to Golden Visa holders.

Gupta said Golden Visa holders usually want instant comprehensive health insurance plans for themselves and their family members, preferably at some discounted prices or added benefits.

“Golden Visa holders look for a more enhanced plan with added benefits like dental and optical treatment as well. Also, they look for package deals that are valid both inside and outside the UAE,” he said, adding that they prefer to buy separate packages of health insurance for themselves and their dependents.

“They look for out-patient benefits, long-term medications to be dispensed for a maximum duration of the treatment, coverage for dental treatment up to a certain extent, a cover which geographically covers them worldwide, etc. Moreover, the majority of them prefer to have customised plans as per their specific needs,” he said.

• UAE: Insurance package for Golden Visa holders starts at Dh2,393
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Hitesh Motwani said since Golden Visa holders are committed to live and work in the UAE for a longer period, they tend to ask for high-end comprehensive insurance packages with higher annual limits on coverage.

“They also tend to look for international policies usually with a worldwide cover as they tend to travel more frequently. Typically, products of insurers like Aetna, Bupa and Cigna usually check all boxes for such clients as some of their products cover direct billing even when they are abroad,” he said.

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EBP Product Summary

DNI is proud to service an even more extensive customer base by offering the Essential Benefits Plan (EBP). The EBP is the minimal level of health insurance cover under Dubai Health Authority (DHA) mandatory medical insurance scheme, allocated for Dubai residents. The coverage provides essential and high-quality healthcare services to employees, non-working dependents, including elderly parents and even domestic workers.

EBP Basic Plan

(Under Company Visa / Domestic Helper) An extensive insurance plan that protects individuals whose visa is sponsored by their employer and is earning a monthly income of AED 4,000 and below. You also must have a valid Dubai residence visa. Basic Plan starts from:

Annual Premium

Ebp dependent plan.

An extensive insurance plan that protects individuals who are not earning an income and whose visa is sponsored by their immediate family member. You also must have a valid Dubai residence visa. Dependent Plan starts from :

Annual Premium for Dependents

Documents required, sponsor’s passport copy with residence visa, insured person’s residence visa, passport and emirates id, if visa and emirates id are not available, e-visa and emirates id application form to be submitted, medical application form* duly filled and signed, your health is our top priority.

Our dedicated contact team will get back to you in case of any additional requirements within 2 working days from the date of submission of your application for insurance. In case of any queries kindly email us on [email protected] or call our hotline number 600 5 80000 for more information.

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