Estimate mandatory health insurance cost in the UAE by age and coverage tier.
Health insurance is mandatory in the UAE — employers must cover employees in Dubai and Abu Dhabi, and sponsors cover dependants. Costs rise steeply with age and coverage tier. Select your profile for an indicative annual premium bracket.
Your results
Indicative annual premium—
Indicative range—
Monthly equivalent—
Note: rough brackets for orientation only — real premiums vary by insurer, pre-existing conditions, maternity/dental add-ons and network. Employers in Dubai/Abu Dhabi must provide at least essential cover.
Formula: Base by age band × tier multiplier (Essential 1.0, Enhanced 1.8, Premium 3.0) × emirate factor (Dubai 1.0, Abu Dhabi 1.1, Sharjah/NE 0.9). Age bands: under 30, 30–44, 45–59, 60+.
Worked example
Example: Age 32, Enhanced tier, Dubai: base AED 4,200 × 1.8 × 1.0 ≈ AED 7,560/year (indicative range 6,000–9,500).
Frequently asked questions
Is health insurance mandatory in the UAE?
Yes. Dubai and Abu Dhabi require employers to provide it; a visa generally cannot be issued or renewed without cover.
What does Essential cover?
Basic inpatient/outpatient care within a limited network — enough to satisfy the mandate, with caps and co-pays.
Why does age matter so much?
Medical risk rises with age, so insurers price bands accordingly — 60+ can cost 3–4× the under-30 rate.
Are pre-existing conditions covered?
Often with waiting periods or loadings — disclose them and compare policy wordings.
Disclaimer: Results are estimates for guidance only and not financial advice. Rates, fees and rules vary by bank and over time — always confirm important decisions with a qualified professional.
