Chronic conditions
The basic insurance package costs AED 320 a year, with no waiting period for workers suffering from chronic illnesses. [1]
What you pay
- Inpatient care: a co-payment of 20%, up to AED 500 a visit and AED 1,000 a year, medicines included. [1]
- Outpatient care: a co-payment of 25%, up to AED 100 a visit; a follow-up visit for the same condition within 7 days has no co-payment. [1]
- Medicines: a co-payment of at most 30%, with an annual cap of AED 1,500. [1]
Your own policy
A policy other than the basic package sets its own cover: check its table of benefits with your insurer. Insurers in the UAE are licensed by the Central Bank of the UAE. [2]
Sources
- UAE Government portal, "Getting a health insurance", section "Health insurance for private sector employees and domestic workers" (updated 8 September 2026): https://u.ae/en/information-and-services/health-and-fitness/Healthcare-access-and-insurance/getting-a-health-insurance
- UAE Government portal, "Insurance" (updated 28 September 2026): https://u.ae/en/information-and-services/finance-and-investment/insurance