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Individual Health Insurance in the UAE

Comprehensive cover for residents without employer insurance — with access to 5,000+ providers in every emirate, maternity benefits and worldwide emergency options.

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Prices from

AED 1,450 / year*

Essential plan, age 18–29, Dubai visa. *Indicative — your price depends on age, emirate, plan and health.

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Why it matters

Why choose individual health insurance?

Health insurance is mandatory in Dubai and Abu Dhabi and strongly recommended everywhere else. The right plan gives you:

Leading hospitals

Access to top hospitals and specialists.

Cost protection

Protection against unexpected medical bills.

Regulatory compliance

DHA & DOH-compliant cover for your visa.

Peace of mind

Financial stability during emergencies.

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Who it's for

Who should consider individual cover?

  • Self-employed professionals and freelancers
  • Entrepreneurs and business owners
  • Investors and Golden Visa holders
  • Residents without employer coverage
  • Anyone wanting more than their basic employer plan

What's covered

  • Hospitalisation & surgery
  • Specialist consultations
  • Diagnostics — MRI, CT, lab tests
  • Prescribed medicines
  • Emergency treatment
We offer

Individual plans

Essential

AED 1,450 / yr from

Compliant essential protection.

  • Annual limit AED 250,000
  • General network
  • 20% co-pay
  • Maternity up to AED 10,000
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Premium

AED 8,900 / yr from

Premier hospitals, zero co-pay.

  • Annual limit AED 3,000,000
  • Premier network
  • 0% co-pay
  • Maternity up to AED 30,000
Get a quote

Prices are illustrative for age 18–29 with a Dubai visa. Compare all plans →

FAQs — individual health insurance

Is individual health insurance mandatory in the UAE?

Yes, in Dubai and Abu Dhabi, and recommended across all emirates.

Does individual cover include maternity?

Yes, all our plans include maternity benefits, subject to policy limits and waiting periods.

How much does it cost?

Premiums vary by age, coverage level, network and medical history. Get an exact price online in about 3 minutes.

Can I buy without employer sponsorship?

Yes — you can buy a standalone individual plan directly.

Are pre-existing conditions covered?

Coverage is subject to medical underwriting and policy terms.

Protect your health today

Get a personalised, Shariah-compliant quote in minutes.