The United Arab Emirates (UAE) is home to a large population of expatriates, drawn by its thriving economy, tax-free salaries, and high standard of living.
However, one of the most critical aspects of living in the UAE, especially for expats, is securing reliable and comprehensive health insurance.
In this 2025 guide, we’ll walk you through the best health insurance plans for expats in the UAE, comparing coverage, costs, and value-added services.
Whether you’re moving to Dubai, Abu Dhabi, or any of the other Emirates, understanding your healthcare options is essential for a secure and stress-free expat life.
Why Health Insurance is Mandatory for Expats in the UAE
Since the introduction of mandatory health insurance laws in the UAE (particularly in Dubai and Abu Dhabi), every resident, including expats, must have valid health insurance to obtain or renew their residence visa.
Employers are typically responsible for providing health insurance for their employees. However, many expats choose to supplement this with private insurance plans for better coverage, especially for dependents like spouses and children.
Key Features to Look for in an Expat Health Insurance Plan
When selecting the right plan, consider the following:
- Inpatient and outpatient coverage
- Access to top private hospitals and clinics
- Emergency evacuation and repatriation
- Maternity and newborn care
- Dental and optical benefits
- Chronic disease and pre-existing condition coverage
- Global coverage (for frequent travelers)
Best Health Insurance Providers for Expats in the UAE (2025)
1. Cigna Global
Why Choose Cigna:
Cigna is one of the most popular choices for expats worldwide, including in the UAE. Their plans are flexible, globally accepted, and offer a wide network of hospitals.
Highlights:
- Global coverage including UAE, EU, USA
- 24/7 multilingual customer service
- Optional modules for dental, vision, and wellness
- Direct billing with top UAE hospitals
Average Premiums:
Starting at AED 12,000/year for individuals
2. AXA Gulf (Now GIG Gulf)
Why Choose AXA/GIG Gulf:
AXA has rebranded to GIG Gulf but remains one of the UAE’s most trusted insurers, with strong regional support and a vast medical network.
Highlights:
- Tailored expat plans
- Direct access to over 3,000 healthcare providers in the UAE
- Competitive pricing for family packages
- Covers chronic and pre-existing conditions after a waiting period
Average Premiums:
From AED 8,000/year, depending on age and coverage
3. Bupa Global
Why Choose Bupa:
Bupa is a premium international health insurer, perfect for high-net-worth expats or professionals who prefer VIP treatment and global coverage.
Highlights:
- High annual limits (up to USD 3 million)
- Worldwide coverage, including the US
- Direct settlement with major UAE hospitals like Mediclinic and American Hospital Dubai
- Premium customer service and digital claims app
Average Premiums:
From AED 20,000/year for individuals
4. Daman Health Insurance (National Health Insurance Company)
Why Choose Daman:
If you’re living in Abu Dhabi, Daman is the most widely accepted and government-supported insurer.
Highlights:
- Offers the Thiqa program for UAE nationals
- Strong expat plans with extensive local coverage
- Optional global add-ons
- Easy mobile app for claims and provider search
Average Premiums:
Starting around AED 6,500/year
5. Allianz Care
Why Choose Allianz:
Backed by a global brand, Allianz offers strong international expat insurance, ideal for business professionals and families.
Highlights:
- Multiple plan tiers with flexible add-ons
- Global coverage, including elective treatment overseas
- Excellent maternity and child health options
- 24/7 multilingual support
Average Premiums:
From AED 10,000/year
Cost of Health Insurance for Expats in UAE in 2025
| Plan Type | Average Annual Cost (Individual) | Average Cost (Family of 4) |
|---|---|---|
| Basic (Local Cover) | AED 4,000–6,000 | AED 10,000–15,000 |
| Mid-Tier (Regional) | AED 8,000–12,000 | AED 20,000–30,000 |
| Premium (Global Cover) | AED 15,000–25,000 | AED 35,000–60,000 |
Note: Costs depend on age, pre-existing conditions, and level of coverage.
Health Insurance for Expats in Dubai vs Abu Dhabi
While both Emirates enforce mandatory health insurance, there are some differences:
- Dubai: Employers must cover employees, but not dependents. Expats must insure spouses and children separately.
- Abu Dhabi: Employers are also required to cover employees’ dependents (up to one spouse and three children under 18).
Always double-check with your sponsor or HR department about what’s included.
Can Expats Use Public Hospitals in the UAE?
Yes, expats can access public hospitals and clinics, but they will be charged higher rates compared to Emiratis. Many expats prefer private hospitals due to shorter wait times, international staff, and access to advanced treatments.
Your health insurance plan should ideally include top-tier private facilities like:
- American Hospital Dubai
- Mediclinic City Hospital
- NMC Royal Hospital
- Cleveland Clinic Abu Dhabi
- Saudi German Hospital
Tips for Choosing the Right Health Insurance Plan
- Assess your family’s healthcare needs – chronic illnesses, maternity, pediatric care.
- Check the provider’s hospital network – especially if you prefer a specific hospital.
- Compare deductibles and co-pays – lower premiums may come with higher out-of-pocket costs.
- Review the claims process – digital apps and direct billing can save time.
- Ask about coverage outside the UAE – important if you travel often.
Conclusion
As an expat living in the UAE in 2025, having the right health insurance plan isn’t just a legal requirement; it’s a vital investment in your wellbeing. From budget-friendly local plans to premium international coverage, there are options to suit every lifestyle and need.
Whether you’re relocating to Dubai for a corporate job, starting a family in Abu Dhabi, or retiring in Ras Al Khaimah, choosing the best expat health insurance in the UAE ensures peace of mind and top-quality healthcare when you need it most.
FAQs
1. Is health insurance mandatory for expats in the UAE in 2025?
Yes, it’s required for visa issuance and renewal.
2. Who pays for health insurance in the UAE employer or the employee?
Employers must cover employees, but dependents often need separate policies.
3. Can I get international coverage with UAE health insurance?
Yes, many insurers like Cigna, Bupa, and Allianz offer worldwide coverage.
4. Which hospitals are covered under expat insurance?
Most major private hospitals like Mediclinic, NMC, and American Hospital are covered by top-tier plans.
