Congratulations on being nominated for the UAE Golden Visa!

As part of the application process, it's essential to secure a health insurance policy valid for at least one year so that you can access quality healthcare during your stay. This requirement underscores the UAE's commitment to protecting residents' well-being. Moreover, maintaining active medical insurance is mandatory throughout your residency to comply with national regulations.

To learn more about Golden Visa health insurance, scroll below.

The above plans and premiums are for AED 1,000,000 Sum insured for 1 Adult of 30 Years for Dubai city.

Who are Golden Visa Holders?

Golden Visa holders in the UAE are foreign nationals granted long-term residency visas. This allows them to live, work, or study in the country without the need for a national sponsor.

This initiative, introduced in 2019, attracts and retains talented individuals and investors from various fields, thereby improving economic growth and cultural diversity within the UAE.

Eligibility for the Golden Visa encompasses a wide range of categories, including investors, entrepreneurs, specialised talents, researchers, and outstanding students.

For instance, investors can obtain a 10-year residency by investing at least AED 2 million in public investments or real estate. Entrepreneurs with a project valued at a minimum of AED 500,000, or those approved by an accredited business incubator, are eligible for a 5-year visa.

Specialised talents such as scientists, researchers, and healthcare professionals may qualify based on their expertise and contributions to their respective fields. Additionally, exceptional students with outstanding academic achievements may also be considered for the Golden Visa.

Requirements for Golden Visa Health Insurance in the UAE

As mentioned earlier, to comply with UAE regulations, Golden Visa applicants and holders must obtain health insurance policies that meet specific criteria —

Comprehensive Coverage: The insurance plan should cover a wide range of medical services, including inpatient and outpatient treatments, surgeries, emergency care, and maternity services
Validity Period: The policy must be valid for at least one year and should be renewed annually to maintain continuous coverage throughout the visa's duration
Coverage for Dependents: Visa holders are responsible for ensuring that all dependents under their sponsorship have adequate health insurance coverage
Compliance with Local Regulations: The chosen health insurance policy must align with the specific guidelines and standards set by the health authorities in the emirate of residence, such as the Dubai Health Authority (DHA) or the Department of Health in Abu Dhabi

It's important to note that while the Golden Visa itself may be valid for 5 or 10 years, medical insurance policies are typically annual contracts. Thus, policyholders must renew their insurance plan each year to remain compliant with UAE laws and ensure uninterrupted access to healthcare services.

Key Inclusions & Exclusions of Golden Visa Health Insurance

Here is an overview of what’s generally covered (and what’s not) under Golden Visa medical insurance plans —

Key Inclusions

Inpatient and Outpatient Services: Coverage includes hospital stays, surgeries, and related medical procedures as well as consultations with general practitioners and specialists
Emergency Medical Treatment: Immediate care required for sudden and severe medical conditions is generally covered
Maternity Care: Many plans offer coverage for prenatal and postnatal care, including delivery expenses
Prescribed Medications: Drugs and medications prescribed by a licensed physician are usually included
Diagnostic Tests: Laboratory tests, X-rays, and other diagnostic procedures necessary for treatments are usually covered

Common Exclusions

Cosmetic and Elective Procedures: Treatments for improving appearance without medical necessity are not covered
Alternative Therapies: Non-conventional medical treatments, such as naturopathy or acupuncture, may be excluded
Self-Inflicted Injuries: Injuries resulting from intentional self-harm are generally not covered
Injuries from High-Risk Activities: Harm sustained during activities deemed hazardous, like extreme sports, may be excluded unless additional coverage is obtained

How Can Golden Visa Holders Apply for Health Insurance in the UAE?

Applying for health insurance as a Golden Visa holder in the UAE is a simple and hassle-free process. You can easily compare and purchase the best insurance plan online through platforms like Policybazaar.ae — simply follow these steps:

Go to the Health Insurance Section – On Policybazaar.ae, click on the ‘Health Insurance’ tab on the homepage
Fill Out the Lead Form – Enter your basic details, such as name, contact information, and residency status
Select the Investor Option – While filling out the form, choose the ‘Investor’ category, which is specifically for Golden Visa applicants
Compare Insurance Plans – Once you submit the form, you will be redirected to a page displaying multiple health insurance quotes from top insurers in the UAE.
Choose the Best Plan – Compare coverage, benefits, and costs to select a policy that best suits your needs

Choose Health Insurance Coverage of Your Choice

150KHealth Insurance

250KHealth Insurance

500KHealth Insurance

1MillionHealth Insurance

3MillionHealth Insurance

5MillionHealth Insurance

7.5MillionHealth Insurance

10MillionHealth Insurance

15MillionHealth Insurance

All coverage in AED*

Top Insurance Companies Providing Health Insurance for Golden Visa Holders

Here are some of the leading insurance companies that offer comprehensive cheapest insurance for Golden visa in the UAE –

Orient Insurance
Takaful Emarat
Dubai Insurance
Salama Insurance
Adamjee Insurance
Dubai National Insurance
Abu Dhabi National Insurance (ADNIC)
Cigna Insurance

Golden Visa Health Insurance Cost in the UAE

UAE Golden visa health insurance cost starts from around AED 917 yearly and can increase depending on the type of coverage selected. Factors such as additional benefits, international coverage, and pre-existing conditions will influence the Golden visa insurance cost.

Some key factors affecting the premium include —

Type of Coverage: Comprehensive plans with extensive coverage (including international care, maternity benefits, and coverage for pre-existing conditions) tend to have higher Golden visa insurance cost compared to basic plans that offer essential medical services.
Age of the Insured: Older visa holders generally face higher premiums due to increased health risks.
Health Condition: Pre-existing conditions or chronic illnesses may increase the premium, especially for plans that cover these conditions after a waiting period.
Network of Hospitals and Clinics: Plans that offer access to a wider network of healthcare providers usually come at a higher cost.
Geographical Coverage: Plans that provide international coverage are more expensive than those limited to the UAE.

Your Golden Visa, Your Health — Get Comprehensive Coverage Today!

It is important for Golden Visa holders to have Golden visa insurance that provides comprehensive protection, giving access to quality healthcare whenever needed. With the right plan, you are covered for emergencies, routine check-ups, and even international medical care.

Don’t wait until it’s too late — get your Golden Visa health insurance today and protect yourself and your family!

You can easily buy health insurance through Policybazaar.ae, where you can compare plans from top providers, customise coverage options, and get the best rates. Visit the ‘health insurance’ section to find the perfect plan tailored to your needs!

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No, international health policies from your home country are generally not accepted for the UAE Golden Visa. You must obtain a UAE-approved health insurance plan that meets local regulations to comply with visa requirements.

Yes, the minimum coverage amount depends on the emirate you are residing in. Most emirates require at least basic health coverage that includes inpatient, outpatient, emergency care, and maternity services. However, it is recommended to choose a comprehensive plan for better coverage.

Yes, but it depends on the insurer and the policy you choose. Some insurers cover pre-existing conditions after a waiting period, while others may charge higher premiums. Always check the policy details before purchasing.

If your health insurance expires, you may face legal penalties, including fines or visa issues. To avoid such issues, make sure to renew your policy before it expires and get continuous coverage throughout your residency.

Yes, you can always upgrade your health insurance policy. If you believe your current plan does not provide enough coverage, you can switch to a higher-tier plan during the renewal process.