Telephone Numbers
Telephone Numbers
Dubai Employee Insurance Requirements
For detailed information +90 542 381 3868 'Call.
People working in free zone companies in Dubai are required to pay a small annual insurance premium when obtaining their Emirates ID. This insurance premium covers basic services, but in order to benefit from healthcare services, you must take out a private health insurance policy from an insurance company in the UAE. Policies are packaged according to the individual's needs and priced accordingly.
Individuals seeking private health insurance in Dubai for outpatient services and basic health checks should expect to pay an average monthly premium of between AED 300 and AED 700.
These insurance plans typically cover basic services and are designed to meet the mandatory insurance standards set by the Dubai Health Authority (DHA). They offer an affordable solution, particularly for low-income workers, and include services such as basic treatment, medication, and doctor consultations.
On the other hand, for individuals seeking more comprehensive healthcare services, comprehensive insurance plans with monthly premium amounts ranging from 1,200 AED to 4,000 AED are available. These policies may include additional services such as private hospital preferences, maternity coverage, dental and eye care, psychological counseling, and even overseas healthcare coverage. These types of plans are preferred for both security and quality of service, especially for senior executives, individuals living with their families, or those with chronic illnesses.
The Labor Card, or Work Permit, is an official ID card issued to foreign nationals working in Dubai that serves as proof of work authorization. This card is a legal requirement for working in the United Arab Emirates (especially in the private sector) and is issued by the Ministry of Human Resources and Emiratization (MOHRE).
To obtain a Labor Card in the UAE, you must follow the procedures below.
The largest health insurance provider in the UAE.
Leading company in basic and corporate plans. Headquartered in Abu Dhabi but also active in Dubai.
A strong European-based brand. Offers a wide international health network.
It is known for its advantages in additional coverage such as dental, maternity, and optical.
A well-established company headquartered in Dubai.
It is widely used for individual and family health insurance. It is frequently preferred in regions such as DIFC.
It is particularly preferred for individual users and high-end policies.
Offers health insurance policies with coverage abroad.
A bank-backed insurance company.
Offers a wide range of payment options and affordable plans.
Offers Islamic (Sharia-compliant) insurance products.
A preferred company for budget-friendly health plans.
Not the primary insurance provider; acts as a management company for companies like AXA and Orient.
With NextCare, you can access a wide network of hospitals.
Is it mandatory for employees working in Dubai to take out additional insurance other than the insurance they take out when obtaining a residence permit?
The mandatory health insurance taken out when obtaining an Emirates ID card in Dubai generally covers basic health needs, and taking out additional insurance is not legally required. However, in some cases, taking out additional insurance may be advisable on a voluntary basis.
Are individuals working in hazardous industries in Dubai required to obtain additional insurance?
No, additional insurance is not legally required for individuals working in hazardous industries (such as construction, heavy industry, maritime, or mining) in Dubai; however, it is strongly recommended by employers and may be mandatory in certain areas.
Is there a monthly fixed premium payment for worker insurance in Dubai?
Health insurance premiums vary depending on the employee's salary and the selected insurance plan; there is no fixed monthly premium. Employers typically pay the annual policy cost, which varies based on the number of employees, their age, health status, and the services covered.
+90 542 381 3868
+971 58 5204103