What the Law says about insurance in the UAE and how it affects you

If you’re an expat in the UAE, insurance isn’t just a formality; it’s often a legal requirement. And with new rules taking effect in 2025, the scope now covers more residents than ever before.

Understanding what’s covered by your employer, what you need to arrange yourself, and how the rules differ across the Emirates can be confusing. 

This guide breaks it down so you can stay compliant and fully protected.

1. Why is health insurance mandatory

The UAE government wants all residents, citizens, and expats to have access to healthcare without facing unmanageable costs. 

That’s why mandatory health insurance laws have been introduced across every Emirate.

From January 1, 2025, all private-sector employees and domestic workers must have valid health coverage. A policy is also required for new visa applications and renewals.

2. Health Insurance rules by Emirate

Abu Dhabi

• Employer Responsibility – Employers must provide health insurance for employees and their dependents (one spouse and up to three children under 18).

• Self-Employed & Sponsors – If you’re self-employed or have dependents outside this scope, you must arrange their coverage yourself.

Dubai

• Employer Responsibility – Employers cover employees only.

• Sponsor Responsibility – The visa holder must arrange insurance for their spouse, children, and any other sponsored dependents.

• Visa Rule – Proof of health insurance is required for visa issuance and renewal.

Sharjah & Northern Emirates (Ajman, Umm Al Quwain, Ras Al Khaimah, Fujairah)

• New from Jan 1, 2025 – Employers must provide health insurance for all private-sector employees.

• Dependent Coverage – Sponsors remain responsible for insuring spouses, children, and domestic workers unless the employer chooses to offer it.

3. Employer coverage vs. Personal responsibility

Employer coverage can look very different depending on where you live:

• Covered by Employer – Employees are always covered, and in Abu Dhabi, certain dependents are included.

• Your Responsibility – In most Emirates, you must arrange insurance for your dependents and any sponsored domestic workers.

Not meeting these requirements can result in fines, visa delays, or limited access to healthcare.

4. What About Life Insurance?

Life insurance isn’t a legal requirement, but it’s a vital safeguard for expats with financial commitments or family members relying on them.

It can:

• Cover debts or mortgages

• Provide income for dependents

• Protect children’s education plans

Some employers include a small life cover benefit, but for many families, a personal policy is essential.

5. Making compliance simple

Choosing the right policy doesn’t have to be complicated. A good insurer will help you:

• Understand the legal requirements in your Emirate

• Choose a plan that fits your needs and budget

• Cover gaps in employer-provided insurance, especially for dependents

Providers like HAYAH Insurance offer health plans designed for expats, along with optional life and savings solutions for extra peace of mind.

Conclusion

Health insurance laws in the UAE now apply nationwide, but the details vary between Emirates, especially when it comes to dependent coverage. 

Knowing where your employer’s responsibility ends and yours begins is essential.

Whether you need a basic plan to meet legal requirements or more comprehensive cover for your family, the right insurance will keep you protected and compliant.

If you’re unsure where to start, HAYAH can guide you through your options and help you find cover that works for your life in the UAE.