Is Medical Insurance Mandatory for Golden Visa UAE? – Full Guide for 2025 Applicants!
In the last few years, the UAE has become a favorite place for many people to live and work. Professionals, business owners, investors, and skilled workers from all over the world are choosing to move there. One big reason is the Golden Visa – a special visa that lets you stay in the UAE for a long time.
This visa gives you many benefits, like living in the UAE without needing a sponsor and even bringing your family with you. But one important question that many people ask is:
Do you need medical insurance for the UAE Golden Visa? The simple answer is yes – it is required. But there’s more to know, like what kind of insurance you need, how much it costs, and where to get it. In this guide, we will explain everything in a simple and easy way so you understand exactly what to do.
Understanding the UAE Golden Visa – Must Know!
Before diving into health insurance specifics, let’s first look at what the UAE Golden Visa actually is.The UAE Golden Visa allows foreigners to live, work, and study in the UAE without the need for a national sponsor and with 100% ownership of their business on the UAE mainland. Depending on your eligibility, the visa is granted for 5 or 10 years, and it is automatically renewable if conditions are met.
This visa is granted to individuals in various categories:
- Investors
- Entrepreneurs
- Scientists
- Medical professionals
- Outstanding students and graduates
- Cultural creatives
- Skilled workers in priority fields
With all the privileges, however, come some responsibilities—medical insurance being one of them.
Why Is Health Insurance Required for Golden Visa Holders?
Health insurance is a legal requirement in the UAE. The UAE government mandates health insurance for all residents, including Golden Visa holders, to ensure:
- Access to high-quality healthcare services.
- A reduction in the financial burden on public healthcare facilities.
- Protection for individuals and their families against unexpected medical costs.
This mandate reflects the UAE’s focus on public health, quality of life, and sustainable living standards for both locals and expats.
What Are the Medical Insurance Requirements for a UAE Golden Visa?
Now let’s get into the details. Here’s what you need to know if you’re applying for or renewing a UAE Golden Visa:
1. Health Insurance Is Compulsory
You must have valid health insurance at the time of applying for the Golden Visa. It’s not optional. The insurance must be recognized and approved by local authorities, such as:
- Dubai Health Authority (DHA)
- Department of Health – Abu Dhabi (DoH)
2. Coverage Must Meet Minimum Standards
Your policy should meet the minimum requirements set by the emirate where you reside. While specific details may vary, basic health coverage generally includes:
- Emergency medical services
- Inpatient and outpatient treatment
- Diagnostic tests and prescriptions
- Maternity services
- Specialist consultations
In Dubai, for example, the Essential Benefits Plan (EBP) is the minimum required for low-income residents, but Golden Visa holders often opt for comprehensive coverage.
3. Dependents Must Also Be Covered
If you’re applying with your family—spouse, children, or elderly parents—they must also be covered by a valid health insurance plan.
What Happens If You Don’t Have Medical Insurance?
Failing to provide valid medical insurance during your Golden Visa application or renewal can result in:
- Rejection of your application
- Delays in visa processing
- Ineligibility for medical services
- Fines and legal consequences
Additionally, some emirates link the visa issuance process directly to your insurance coverage status—meaning your application simply won’t proceed without it.
Where Can You Get Health Insurance for the Golden Visa?
Health insurance plans for Golden Visa holders are available from a wide range of licensed insurance providers in the UAE. You can choose between:
- Basic plans (that meet minimum legal requirements)
- Comprehensive plans (that offer wider coverage and international benefits)
- VIP/Platinum plans (with exclusive services)
Some of the well-known health insurance providers in the UAE include:
- Daman
- AXA Gulf
- MetLife
- Orient Insurance
- Noor Takaful
- ADNIC (Abu Dhabi National Insurance Company)
Always ensure that your provider is licensed by the Insurance Authority of the UAE and the local health authority.
How to Choose the Right Insurance Plan for Your Golden Visa?
Here are some key considerations when selecting a health insurance plan:
1. Check Eligibility and Residency Requirements:
Some insurance plans have eligibility criteria based on income, age, or health condition. Ensure that your plan aligns with your personal profile.
2. Review Coverage Levels
Make sure the plan offers coverage for general medicine, diagnostics, surgeries, maternity, and emergency care.
3. Compare Premiums and Deductibles
Look at the premium (monthly/annual cost) and any deductibles or co-payments involved.
4. Look for Direct Billing Network
Choose an insurer that has a large hospital and clinic network where direct billing is available.
5. Confirm Validity Across Emirates
If you travel frequently between Abu Dhabi, Dubai, Sharjah, or other emirates, ensure your policy is valid nationwide.
Transitioning from Employer-Based Insurance to Golden Visa Insurance:
If you previously worked in the UAE and had employer-provided insurance, switching to the Golden Visa may mean you’ll need to:
- Purchase an individual health insurance plan
- Transfer dependents to your new private policy
- Ensure uninterrupted coverage during the transition
Keep your documentation ready, including:
- Emirates ID
- Passport copy
- Visa copy
- Recent medical history (if required)
Some insurance companies may require a medical examination before finalizing your premium.
Costs of Medical Insurance for Golden Visa Holders:
The cost of your health insurance will depend on:
- Age
- Health status
- Coverage type
- Insurance provider
- Add-ons like dental, optical, or international coverage
On average:
- Basic plans may start around AED 700 to AED 1,200 annually.
- Mid-tier plans typically range from AED 2,000 to AED 6,000.
- Premium plans with extensive coverage can go up to AED 15,000 or more.
If you’re insuring dependents or elderly family members, expect higher premiums due to increased health risk.
Frequently Asked Questions:
1. Can I apply for the Golden Visa without insurance and buy it later?
No. You must have a valid insurance policy before submitting your application. Your visa application may be rejected or delayed if insurance documents are missing.
2. Is insurance more expensive for Golden Visa holders?
Not necessarily. Prices depend more on age, coverage, and provider than visa type. However, choosing a premium plan with wider benefits can increase your costs.
3. Is government-provided insurance available?
Generally no, Golden Visa holders are expected to purchase private insurance unless they are affiliated with a government entity. Most expats opt for private insurance plans from licensed UAE providers.
4. Do children need separate policies?
Yes. Even newborns and children require separate insurance under UAE laws. Coverage ensures your child’s access to essential medical care and vaccinations.
5. Can my existing international insurance work in the UAE?
Only if it meets local requirements and is accepted by the local authorities. Check with the DHA or DoH for confirmation. Always verify that your insurer’s network includes UAE hospitals and clinics.
6. Do I need to renew the policy every year?
Yes. Health insurance must be renewed annually and kept valid at all times during your residency. Letting your policy lapse can affect your visa status and lead to fines.
Final Thoughts:
To summarize,
Medical insurance is indeed mandatory for UAE Golden Visa holders. It’s a critical part of your residency process and ensures your well-being while living in the UAE.
Whether you’re an entrepreneur launching a startup, an investor relocating your family, or a skilled professional looking for long-term stability, compliance with UAE health insurance laws is non-negotiable.
Before you apply for your Golden Visa, take the time to research insurance providers, understand coverage expectations, and secure the right plan for your needs. It’s not just about following the rules—it’s about protecting your health and your future in one of the most dynamic regions in the world.
