# Cover for chronic conditions and medicines under the basic package

> The basic health insurance package has no waiting period for workers with chronic illnesses. Your share of the cost of medicines is at most 30%, up to AED 1,500 a year.

- Section: Insurance › Health insurance
- Last updated: 2026-11-12
- Source: https://staging.nuzan.ai/en-ae/knowledge/chronic-medication-cover

## 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

1. 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>
2. UAE Government portal, "Insurance" (updated 28 September 2026):
   <https://u.ae/en/information-and-services/finance-and-investment/insurance>

Arabic version: https://staging.nuzan.ai/ar-ae/knowledge/chronic-medication-cover