Visiting the UAE on a golden, green, employer-sponsored, or investor visa? Here, we explain how to make sure you have the right health insurance Dubai and the UAE plan in place. Getting sufficient medical insurance UAE coverage is crucial when moving on an employee-sponsored, investor, golden, or green visa. People and their families are protected against unexpected medical costs when they have a suitable insurance plan. 

Options for Health Insurance UAE Coverage for Various Visa Types

The UAE offers the following options for health insurance coverage for various visa types:

Health Insurance for Holders of Golden Visa

Golden visas are long-term resident permits given to highly skilled professionals, entrepreneurs, and investors. In the UAE, people with golden visas usually need to have health insurance for both themselves and their families. You will probably need to submit proof of medical insurance when applying for residence permits for the people you have sponsored. This documentation shows your dedication to providing for your dependents’ healthcare requirements and acts as evidence of sufficient healthcare coverage. Be ready to present the required medical insurance documentation, including policy details, coverage details, and proof of premium payments.

In order to provide comprehensive coverage and access to high-quality healthcare services in the event of medical crises or unexpected health issues, holders of golden visas should think about purchasing comprehensive medical insurance UAE plans. In addition to more flexible coverage options, these plans provide access to a larger network of hospitals and clinics.

Golden visa holders can benefit from health insurance Dubai and UAE coverage in the following ways:

• • Global coverage: Get medical care anywhere on the globe, including in your nation of origin.
• • Maternity coverage: Up to AED 20,000, with a 10% coinsurance.
• • Higher annual limit: Extensive coverage for up to AED 1 million annually.
• • Nil copay%: Golden visa holders have the option of a maximum copay of 20% or 50 AED, or zero copay options.
• • Wide network: Comprehensive coverage of clinics and hospitals throughout the UAE.
• • Pre-existing conditions: AED 150,000 is covered for pre-existing conditions.
• • Additional benefits: Golden Visa insurance plans include coverage for physiotherapy, cancer treatment, alternative medicine, dentistry, and optics. 

Medical Insurance for Holders of Investor Visas

The ‘Partner Visa,’ sometimes called the Dubai Investor’s Visa, is made especially for expatriates who want to start a business in the free zones or the Dubai mainland or invest in the UAE. With this visa, you can live, work, and sponsor family members, among other benefits. 

Although the Dubai Investor’s visa has a three-year minimum validity, you can apply for longer periods of up to ten years, which gives you more stability and flexibility. Comprehensive medical insurance UAE coverage is suggested for everyone with an investment visa here. These plans provide flexibility and comprehensive coverage based on the insured’s individual needs.

Investor visa holders can benefit from medical insurance UAE coverage in the following ways:

• • Comprehensive coverage: Pick a plan that provides extensive coverage for a variety of medical procedures,         including advanced and specialist ones.
• • Broad network: Pick a plan with a vast network of hospitals, clinics, and medical specialists to ensure simple      access to high-quality healthcare services.
• • International coverage: Consider a plan that offers coverage outside of the UAE if you travel abroad frequently.
• • Value-added services: Seek out plans that provide value-added services like health management programs     and second medical opinions.

Medical Insurance for Holders of Green Visa

The Green Visa is a good chance for people who want to live in the UAE. With this resident visa, you can sponsor yourself for up to five years without any company sponsorship. There are three major categories of Green Visas, each of which targets a certain group of people: 

• • Green residency for skilled workers
• • Green residency for self-employed individuals
• • Green residency for partners or investors in commercial businesses

Individuals on green visas, also referred to as self-employed or freelancer visa holders, have two choices for health insurance UAE. They can select comprehensive medical insurance policies or the Essential Benefits Plan (EBP), which has been approved by the government. More extensive coverage options, such as dentistry, maternity, and outpatient care, are provided by comprehensive medical insurance policies. Check out plans that provide:

• • Network: Make sure the plan includes a network of local healthcare providers to make access to medical services simple.
• • Affordability: Ensure the plan you select works within your budget by striking a balance between cost and coverage. 

Medical Insurance for Employee-Sponsored Holders 

Employers generally offer medical insurance coverage to workers in the UAE who are on sponsored visas. Depending on the employer and the level of coverage selected, employee-sponsored medical insurance plans have different coverage and starting rates. Employees should, however, go over the specifics of the policy and, if needed, think about adding more extensive medical insurance plans to improve coverage. Most likely, your company offers basic medical insurance. If it lacks something, think about adding:

• • Comprehensive coverage: Upgrade to critical illness, dental, or optical coverage.
• • Wider network accessibility: Select a package that includes clinics and hospitals that work for you.
• • Higher annual limits: Choose increased coverage for costly treatments.
• • Starting rates: Vary based on the add-ons selected and the plan offered by your company.