Expatriate health insurance in Dubai | Mondassur
Are you moving to Dubai as an expatriate? Already living in Dubai? Find your health insurance.
Dubai, a modern, cosmopolitan metropolis in the United Arab Emirates, attracts thousands of expatriates from all over the world every year. The city is known for its thriving economy, state-of-the-art infrastructure and high quality of life. However, if you’re going there, you’ll need to understand the healthcare system and choose expatriate insurance in Dubai to maintain that quality of life.
Our insurance offers for expatriates in Dubai
Expatriate Insurance Dubai Gold Nomad Expat
Our contract with good levels of cover, adapted to life in Dubai.
From
80€
- Worldwide coverage
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €500,000 per year
- Maternity coverage up to €4,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Repatriation assistance
- Civil liability
- Individual protection
Expatriate Insurance Dubai Gold Expat Access
Economical international health insurance tailored to your expatriation plans.
From
123€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 80% of routine medical care
- 100% hospitalization coverage
- Up to €750,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance Dubai Gold Expat Safe
Insurance for your expatriation to Dubai, offering effective coverage in the event of accident or illness.
From
141€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 90% of routine medical care
- 100% hospitalization coverage
- Up to €1,000,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €1,000
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance Dubai Gold Expat Premium
Our most comprehensive expatriate health insurance plan in Dubai.
From
173€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €1,500,000 per year
- Maternity coverage up to €6,000
- Coverage of assisted reproduction up to €1,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Any questions? Need advice?
Some figures on health insurance in Dubai
| Number of doctors per 1,000 inhabitants | Around 3 doctors |
| Number of pharmacists per 1,000 inhabitants | Approx. 1.5 pharmacists |
| Number of private hospitals in the country | 114 |
| Number of public hospitals in the country | 55 |
How Dubai's healthcare system works
Dubai’s healthcare system is renowned for its quality and high standards. It comprises both public and private services. The Dubai Health Authority (DHA) oversees the public sector, while numerous private establishments offer high-quality healthcare services. Expatriates can choose either option, or combine them, to benefit from comprehensive coverage during their stay in Dubai. We recommend taking out private insurance for Dubai to benefit from rapid access to better quality care, consultations without waiting times and, above all, higher levels of cover. So you’re guaranteed superior comfort and peace of mind in Dubai.
How does social security work in Dubai?
In Dubai, there is no social security as we know it in Europe. However, the government has put regulations in place to ensure that all residents have access to health insurance. The state provides approvals for insurers, so the insurance to be taken out is all private.
For people earning less than AED 4,000, it is compulsory to take out an EBP.
DHA Essential Benefits Plan (EBP)
DHA EBP is mandatory basic coverage for low-income residents (less than AED 4,000 per month), domestic workers, and employees’ dependents. This plan offers :
- Annual cost: Between 650 and 725 AED
- Coverage: General consultations, specialized care, certain surgeries, laboratory tests, emergency services, routine examinations, drugs and maternity care.
- Limits: Maximum annual coverage of AED 150,000.
For expatriates earning more than AED 4,000, it is also compulsory to take out local insurance. It is essential to supplement this insurance with private insurance.
Expatriates either have insurance provided by their companies, or take out local private insurance, which generally offers very limited cover and has deductibles. Others take out more comprehensive expatriate insurance, such as Mondassur, which offers higher levels of cover with no deductible.
DHA insures expatriates in Dubai with very low levels of coverage. That’s why Mondassur offers a range of insurance plans for expatriates in Dubai who want more comprehensive coverage.
Private health insurance in Dubai
For expatriates and those seeking more comprehensive coverage, many insurance companies offer private plans. These insurances offer extensive coverage, fast service and higher ceilings. However, international health insurance is generally more advantageous. As they are international, they cover treatment in different countries, which is ideal when traveling or returning to your home country. They also include repatriation insurance, and their ceilings are adapted to the various destinations. What’s more, they offer many other guarantees. Get a free quote now for your medical coverage in Dubai and discover the various benefits to which you are entitled.
Health care facilities in Dubai
Dubai is home to a wide range of world-class healthcare facilities. Public hospitals such as Dubai Hospital and Rashid Hospital offer specialized care. Meanwhile, private hospitals such as American Hospital and Mediclinic City Hospital are renowned for their premium services. The city is constantly evolving when it comes to healthcare, with new health centers and specialized clinics opening regularly. The focus on medical innovation and research helps keep Dubai’s healthcare sector at the cutting edge of technology. Residents and visitors can benefit from high-quality, rapid and efficient medical care.
Emergency numbers in Dubai
- Ambulance: 998
- Font: 999
- Firefighters: 997
- Emergency health services: 800 342
Health care costs in Dubai
Healthcare costs in Dubai can be high, especially without insurance. For example:
- Consultation with a general practitioner: Between 200 and 400 AED
- Specialist consultation: Between AED 300 and 600
- Overnight hospitalization : From AED 1,000
Private hospitals offer greater comfort and shorter waiting times, but at higher costs. Taking out health insurance is therefore essential to avoid high expenses in the event of complications or intensive care. Mondassur offers GoldExpat expatriate insurance tailored to the needs of expatriates, guaranteeing access to the best care without worrying about costs. Investing in good health insurance is a smart move to protect both your health and your budget. For more details on expatriate health insurance costs, please contact our advisors.
Choose Mondassur for your expat insurance in Dubai!
Why take out expatriate insurance?
Expatriate health insurance is essential to ensure adequate coverage in the event of a medical emergency. A good insurance policy offers :
- Access to the best medical care
- Coverage of hospitalization and costly treatments
- Peace of mind for you and your family
Which Mondassur insurance should I take out for my expatriation to Dubai?
For your expatriation to Dubai, Mondassur offers a tailored policy with four different levels of cover to meet your specific needs. You can choose from the following options:
GoldExpat Nomad: Ideal for expatriates looking for basic yet flexible coverage.
GoldExpat Access: Offers intermediate coverage with additional benefits for greater peace of mind.
GoldExpat Safe: A more comprehensive option, including extended medical and hospitalization coverage.
GoldExpat Premium: The most comprehensive coverage, perfect for those who want the best benefits and privileged access to healthcare.
Depending on your needs and budget, Mondassur has the right solution to guarantee your safety and well-being in Dubai.
What are the advantages of expatriate insurance in Dubai?
Opting for expatriate insurance in Dubai offers a number of essential advantages to guarantee your security and peace of mind. First, comprehensive coverage protects you against high medical costs, including consultations, hospitalization and emergency care. What’s more, you benefit from 24/7 assistance, essential if you need immediate medical advice or emergency services. Mondassur expatriate insurance policies also offer coverage in your home country, enabling you to receive care on your temporary return. Last but not least, they include travel cover, ensuring your protection when traveling abroad.
Which expatriate insurance should I choose for my visa to Dubai?
Foreigners can obtain international health insurance instead of the Essential Benefit Plan (EBP), provided that this international insurance covers the basic requirements defined by the Dubai Health Authority (DHA). This international insurance must be recognized by the DHA and offer similar or superior coverage to the EBP plan.
All Dubai residents must have health insurance that complies with DHA regulations to avoid fines and problems with visa renewal.
Below are the health insurance acceptance conditions for obtaining your resident visa for Dubai:
Coverage for medical emergencies: Insurance must cover emergency situations, including surgery, hospitalization, medical consultations and medication.
Minimum amount of cover: The insurance policy must have a minimum annual cover of 150,000 UAE dirhams per person.
Cover for chronic and pre-existing conditions: Insurance must cover chronic illnesses and pre-existing medical conditions after a specific waiting period (usually 6 months without coverage in the Emirates).
Maternity services: Coverage must include maternity services, such as prenatal consultations and hospital deliveries.
Proof of insurance: Proof of insurance coverage is required when applying for a visa.
Mondassur’s expatriate insurance products comply with Dubai visa requirements. Get a free quote for your health insurance in Dubai today!
Quick and easy subscription
Taking out expatriate health insurance is a quick and easy process. We’ve simplified every step to ensure a smooth, hassle-free experience. Our website makes it easy for you to compare different coverage options and choose the one that best suits your needs and budget. You can obtain a quote for your expatriate insurance online in just a few minutes and complete your subscription in complete security. Our team of advisors is also available to guide you and answer any questions you may have, Monday to Friday from 9am to 6pm, ensuring a smooth transition to your new life in Dubai. When you choose Mondassur, you benefit not only from reliable health insurance, but also from quality customer service, ready to assist you every step of the way.
Other health insurances for Dubai
At Mondassur, we strive to meet all your insurance needs, whatever your profile or situation. In addition to our expatriate health insurance, we offer comprehensive, tailored solutions. Our aim is to guarantee your peace of mind and security, wherever you are.
If you’re planning to study in Dubai, take a look at our health insurance offers for students in Dubai, so you can concentrate on your studies with complete peace of mind.
If you’re planning a vacation in Dubai or a long stay, consider travel health insurance to give you peace of mind during your trip.
