Mandatory Health Insurance in Dubai: What You Need to Know
Health Insurance is Compulsory in Dubai
Under the Dubai Health Insurance Law (Law No. 11 of 2013), all employers must provide health insurance for their employees and domestic workers. Sponsors are also required to provide coverage for their dependents.
What Does Mandatory Health Insurance Cover?
The Essential Benefits Plan (EBP) — the baseline package mandated by DHA — includes:
- Emergency medical services
- Inpatient and outpatient treatments
- Maternity services (up to AED 10,000 per year)
- Pharmaceutical drugs
- Diagnostic tests and imaging
Penalties for Non-Compliance
Employers who fail to provide health insurance face fines of AED 500 per month per uninsured employee. Visa renewals can also be blocked until coverage is in place.
Upgrading Beyond the Basics
While EBP covers essentials, many residents choose enhanced plans with higher claim limits, dental and vision coverage, access to private hospitals, and international emergency coverage. Protego helps you compare plans from leading providers to find the best fit for your needs and budget.