Looking to get covered now?
Why buy health insurance in the UAE?
It’s mandatory
Employers cover employees, but you’ll need separate plans for your spouse, kids, or household help.
Shield yourself from costly medical bills
UAE healthcare is among the world’s best, but it can be expensive. Insurance keeps you protected.
Get access to top hospitals & specialists
Enjoy coverage at leading clinics for check-ups, screenings, and emergency care.
Relax knowing your loved ones are covered
Most UAE residents are expats. Insurance gives you peace of mind, even when you’re far from home.
How to choose the right health insurance plan
Choosing the right health insurance plan in the UAE requires careful consideration of your needs, budget, and legal requirements. Here’s a step-by-step guide to help you make the best choice:
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Understand the UAE Health Insurance rules
Mandatory Coverage: Health insurance is compulsory in the UAE. Employers must provide coverage for employees, but dependents (spouse, children, domestic workers) may need separate plans.
DHA & HAAD Compliance: Ensure the policy meets Dubai Health Authority (DHA) or Health Authority Abu Dhabi (HAAD) regulations.
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Assess your healthcare needs
- Individual or Family: If you have dependents, choose a plan that covers maternity, pediatric care, and vaccinations.
- Pre-existing Conditions: If you have chronic illnesses (diabetes, hypertension), ensure the policy covers pre-existing conditions.
- Regular Check-ups & Preventive Care: Some plans offer annual screenings, wellness programs, and vaccinations.
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Compare coverage & benefits
Look for a policy that includes:
- Inpatient & Outpatient Care – Hospitalisation, doctor visits, diagnostic tests.
- Maternity & Newborn Care – Coverage for pregnancy, delivery, and baby care.
- Emergency & Ambulance Services – Road ambulance and emergency treatment.
- Pharmacy & Medication Cover – Ensure prescribed medicines are included.
- Specialist Consultations – Coverage for consultations with specialists and referrals.
- Dental & Optical Coverage (if needed) – Some policies offer optional dental and eye care.
- Alternative Medicine – Covers the cost of medication for other treatments such as Homeopathy or Ayurveda
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Check the insurance network
Hospitals & Clinics: Ensure the policy includes hospitals and clinics near your home or workplace.
Direct Billing vs. Reimbursement: Some plans offer cashless treatment, while others require pay & claim reimbursement.
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Compare premiums & co-payments
Premium: The amount you pay for the policy (monthly/annually).
Co-payment: A percentage (e.g., 20%) that you pay for medical services.
Ready to get health insurance?
Your health insurance benefits
- Worldwide cover up to AED 1 million
- Choose your co-pay (pick the option that suits your budget)
- Get a second medical opinion (so you feel confident)
- Save 10% on a family plan (if you’re covering four)
- Maternity & newborn care (for expecting parents)
- Dental cover up to AED 3000 a year
- Optical cover up to AED 1500 a year
- Alternative therapy cover (homeopathy, Ayurveda, and more)
Why choose Protego?
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Exciting Propositions
Enjoy special offers for everyone, get global emergency medical assistance anytime, anywhere, and access our preferred healthcare network, MedNet, NAS and Nextcare.
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Backed by RAKBANK
You’re in good hands. Protego is powered by RAKBANK, with four decades of service in the UAE.
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Professional advisors
Based on your unique needs, our experts will help you figure out the best fit!