Moving to the UAE brings exciting opportunities and new responsibilities, especially when it comes to securing the right insurance coverage.
As an expat, you face a unique insurance landscape with mandatory requirements and voluntary options.
This guide will help you understand your options, compare plans, and make confident decisions.
1. Mandatory vs. voluntary coverage
Health Insurance (DHA/DIFC Regulations):By UAE law, all residents must have health insurance that meets Dubai Health Authority (DHA) or Dubai International Financial Centre (DIFC) standards.
Employer-sponsored group plans often fulfill this requirement, but they may come with gaps in coverage or network limitations.
Life insurance (optional but recommended):While term-life cover isn’t mandatory, protecting your family in the event of unexpected loss is essential.
Plans like Term Life Protect offer straightforward, affordable coverage for 1–35 years, with fixed premiums
and a high sum assured.
2. Key factors to consider
Coverage limits & benefits
Health Protect by HAYAH covers chronic and pre-existing conditions, inpatient and outpatient care, and maternity benefits meeting both mandatory and personal needs.
Simple Life starts at only AED 7/month for natural and accidental loss of life cover, making it ideal for young expats on a budget.
Deductibles & co-payments:
Lower deductibles mean higher premiums. Balance out-of-pocket costs with your premium budget.Network & provider reputation:
Ensure your plan includes a wide hospital and clinic network. HAYAH’s digital platform highlights partner hospitals and instant claim options.Portability & continuity
Group plans often end if you change jobs. Personal policies like Employee Protect guarantee uninterrupted coverage regardless of employment status.
3. Cost-saving strategies
Group Discounts vs. Individual Policies
Leverage employer group rates for health insurance, then supplement gaps with personal add-ons.Digital Comparison Tools
HAYAH’s online platform provides instant quotes and side-by-side plan comparisons, saving you time and ensuring competitive rates.
4. The digital advantage
Choosing a digital insurer like HAYAH means faster quotes, seamless onboarding, and paperless claims:
Instant online quotes: Receive multiple plan options in minutes.
Free temporary cover: Get immediate protection the moment you apply.
24/7 account access: Manage policies, view documents, and track claims via mobile or web.
Digital convenience doesn’t compromise reliability. HAYAH is fully regulated by the DHA and partners with top global insurers.
5. Next Steps & Checklist
Gather documents: Emirates ID, passport copy, employment contract (if applicable).
Assess needs: List your family’s health history, monthly budget, and preferred hospitals.
Compare plans: Use HAYAH’s digital tool to evaluate Health Protect, Term Life Protect, and Simple Life.
Finalize & apply: Select the plan that balances cost, benefits, and network coverage.
Ready to Secure Your Coverage?
Don’t leave your health or your family’s future to chance. Get your personalized expat insurance quote with HAYAH today with our fully digital, DHA-regulated platform.