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Can we stay in UAE without insurance?

Living in the United Arab Emirates (UAE) offers many benefits, including a modern lifestyle and access to world-class healthcare facilities. However, it is essential to understand the importance of health insurance and the mandatory requirements in the country. Without health insurance, individuals may face fines and sponsors may face penalties. In this blog post, we will explore the consequences of staying in the UAE without insurance, the overview of health insurance in the UAE, procedures for obtaining health insurance, the benefits of having health insurance, and the importance of choosing the right plan.

Consequences of staying in UAE without insurance

A. Fine for not having health insurance
In the UAE, it is mandatory for all residents to have health insurance. If an individual fails to obtain health insurance coverage, they may be subject to a fine of AED 500 per month. This fine is applicable to both new residents and existing residents who do not have insurance coverage.

B. Potential penalties for sponsors
For individuals who are sponsored by employers or family members, there are also potential penalties for sponsors if their sponsored individuals do not have health insurance. Sponsors may face fines or other consequences for failing to ensure that their sponsored individuals have valid health insurance coverage. This policy was put in place to ensure that all residents in the UAE have access to necessary healthcare services.

Overview of health insurance in the UAE

A. Types of health insurance plans
In the UAE, there are two main types of health insurance plans available: basic health insurance and enhanced health insurance. Basic health insurance is typically provided by employers to their employees, while enhanced health insurance offers additional coverage options and higher benefits.

B. Coverage provided by health insurance plans
Health insurance plans in the UAE provide coverage for various healthcare services, including inpatient and outpatient services, medications and prescriptions, emergency medical services, and preventive care and vaccinations. The extent of coverage may vary depending on the type of plan and the insurance provider.

Procedures for obtaining health insurance in the UAE

A. Employer-sponsored health insurance
Many companies in the UAE provide health insurance coverage for their employees. As an employee, it is essential to understand the details of the health insurance plan offered by your employer and ensure that you are adequately covered. Your employer will usually provide you with the necessary information and help you with the enrollment process.

B. Individual health insurance plans
In case you are not eligible for employer-sponsored health insurance or prefer to have your own coverage, you can explore individual health insurance plans. Several insurance providers in the UAE offer individual health insurance plans that cater to different needs and budgets. It is important to research and compare different plans to choose the one that suits you best.

C. Government health insurance schemes
The UAE government also offers health insurance schemes for certain groups, such as Emirati nationals and low-income individuals. These government schemes aim to provide accessible and affordable healthcare services to these populations. Eligibility criteria and coverage details vary for each scheme.

Benefits of having health insurance in the UAE

A. Access to quality healthcare
Having health insurance in the UAE ensures that you have access to quality healthcare services. With insurance coverage, you can seek medical treatment from trusted healthcare providers and hospitals, both within the UAE and internationally, depending on your plan.

B. Financial protection against medical expenses
Healthcare costs can be significant, especially in cases of emergencies or complex medical conditions. Health insurance provides financial protection by covering a significant portion of medical expenses, including hospitalization, surgeries, medications, and diagnostic tests. This helps individuals avoid the burden of high out-of-pocket expenses.

C. Peace of mind and security
Health insurance provides peace of mind and a sense of security, knowing that you are covered in case of any health-related issues. It offers reassurance that you can receive the necessary medical treatment without worrying about the costs involved, allowing you to focus on your health and well-being.

Importance of choosing the right health insurance plan

A. Researching and comparing different plans
Choosing the right health insurance plan requires careful consideration and research. It is advisable to compare different plans offered by insurance providers, taking into account coverage options, costs, and reputation. Evaluate the benefits and limitations of each plan to make an informed decision.

B. Consideration of personal healthcare needs
When choosing a health insurance plan, it is crucial to consider your specific healthcare needs. Assess factors such as existing medical conditions, family requirements, and anticipated healthcare expenses. Look for a plan that provides adequate coverage for your unique circumstances.

C. Evaluating networks and coverage options
Check the network of healthcare providers and facilities that are covered by the insurance plan. Ensure that the plan includes hospitals, clinics, and specialists that are conveniently accessible to you. Additionally, consider any specific coverage options you may require, such as maternity services or dental care.


In the UAE, having health insurance is not only essential but also mandatory for all residents. Staying in the UAE without insurance can result in fines for individuals and potential penalties for sponsors. Health insurance provides access to quality healthcare, financial protection against medical expenses, and peace of mind. It is crucial to choose the right health insurance plan by researching and comparing options, considering personal healthcare needs, and evaluating networks and coverage options. By complying with health insurance regulations and securing appropriate coverage, residents in the UAE can ensure their well-being and the well-being of their sponsored individuals.


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