Health insurance is mandatory for all citizens and resident expats living in the UAE. Previously, health insurance coverage was only compulsory for residents of Dubai and Abu Dhabi. It was mandatory for employers in these emirates to provide health coverage for their employees. As of 2025, health insurance will be mandatory even for residents of the northern emirates- Sharjah, Ajman, Ras Al Khaimah, Fujairah, and Umm-al-Quwain.

The main reason to have health insurance in the UAE is to protect yourself and your family from financial strain in case of injury or illness. Medical treatments in the UAE can be quite expensive, and without health insurance, you may find it difficult to pay for them. Finally, health insurance can also provide peace of mind in knowing that you and your family will be taken care of in the unfortunate situation of illness or accident.

• ·     Mandatory requirement - As part of their efforts to create an integrated healthcare system in UAE, the health authorities (DHA & DOH) have mandated all residents to have a valid insurance policy that covers their medical expenses.
• ·   For visa stamping purpose – As per DOH & DHA regulations, all employers and individual sponsors insuring their employees, domestic help or dependents must provide medical insurance. Failure to do so will result in complications with visa issuance and will be penalized for the same. The law ensures that only those with a valid insurance card can proceed with the visa stamping.
• ·   To cover medical expenses – Health insurance helps pay for your health care. It can help cover services ranging from routine doctor visits to major medical costs and covers many preventive services to keep you healthy.

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