Key Highlights:

• Health insurance is mandatory for all UAE Golden Visa applicants and their dependents in 2025.
• The Basic Health Insurance Scheme starts at AED 320 per year and meets minimum legal requirements.
• Insurance documentation must be submitted with your Golden Visa application; applying without it leads to rejection.
• Coverage must be valid for at least one year and include all sponsored family members.

You cannot obtain a UAE Golden Visa without valid health insurance coverage. The UAE government has made health insurance mandatory for all Golden Visa applicants and holders across all seven emirates, and this requirement extends to all dependents under their sponsorship.

This requirement reflects the UAE’s commitment to protecting residents’ health and well-being while ensuring compliance with national healthcare regulations. 

Whether you’re an investor, entrepreneur, skilled professional, or outstanding student, securing proper health insurance is a non-negotiable step in your Golden Visa journey.

Keep reading this article to learn more. 

Is Health Insurance Mandatory for the UAE Golden Visa?

1. Official UAE Government Position

The UAE government’s stance on health insurance for Golden Visa holders is crystal clear and legally binding. Valid health insurance coverage is a prerequisite for Golden Visa applications, not an optional add-on. This requirement has been consistently enforced across all categories of Golden Visa applicants since the program’s inception.

The Federal Authority for Identity, Citizenship, Customs, and Ports Security explicitly states that applicants must provide a “valid health insurance card for not less than one year, and it can be extended.” This documentation must be submitted during the application process, making it impossible to proceed without proper coverage.

2. Legal Basis and 2025 Updates

The legal foundation for this requirement stems from the UAE’s comprehensive healthcare legislation. Starting January 1, 2025, significant regulatory changes have strengthened these requirements. The introduction of the Basic Health Insurance Scheme represents a major shift toward universal healthcare coverage across all emirates.

Previously, health insurance mandates existed primarily in Abu Dhabi (since 2006) and Dubai (since 2014). The 2025 expansion now requires health insurance for private sector employees and domestic workers in Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah, and Fujairah. 

This nationwide implementation ensures consistent healthcare access and creates unified standards for Golden Visa applicants regardless of their target emirate.

3. Differences in Requirements by Emirate

While health insurance is universally mandatory, specific requirements vary by emirate:

Dubai: The Dubai Health Authority (DHA) requires minimum coverage with specific co-payment structures and network requirements. Plans must meet DHA standards and provide comprehensive inpatient and outpatient coverage.

Abu Dhabi: The Department of Health mandates “valid local health insurance or any insurance recognized in the UAE.” Abu Dhabi offers flexibility in accepting both local and internationally recognized insurance providers, provided they meet emirate standards.

Northern Emirates: Following the 2025 mandate, these emirates now align with Dubai and Abu Dhabi requirements. The new Basic Health Insurance Scheme provides a standardized minimum coverage option across all emirates.

Health Insurance Requirements: What the Law Says

1. Minimum Insurance Coverage Duration and Type

Golden Visa applicants must provide health insurance that meets specific duration and coverage criteria. The insurance must be:

• Valid for at least one year from the application date
• Renewable to ensure continuous coverage throughout your UAE residency
• Comprehensive enough to meet emirate-specific minimum requirements

The policy cannot be a short-term or travel insurance plan. It must be proper health insurance designed for UAE residents.

2. Who Must Be Covered

The insurance requirement extends far beyond the main applicant. Golden Visa holders must provide coverage for all persons whose visas are under their sponsorship. This comprehensive approach includes:

• Main applicant (the Golden Visa holder)
• Spouse (if married)
• Children (regardless of age)
• Parents (if sponsored under the Golden Visa)
• Any other dependents included in the sponsorship

This family-wide coverage requirement distinguishes Golden Visa insurance from standard employment-based coverage and significantly impacts the overall cost and complexity of compliance.

3. 2025 Update: Basic Health Insurance Scheme

The introduction of the Basic Health Insurance Scheme in 2025 has created new opportunities for Golden Visa compliance. This government-approved plan offers:

Affordable Coverage: Starting at AED 320 per year (excluding VAT and processing fees)

Comprehensive Benefits: Despite the low cost, the scheme covers:

• Inpatient care with 20% co-payment (capped at AED 500 per visit, AED 1,000 annually)
• Outpatient care with 25% co-payment (capped at AED 100 per visit)
• Medications with 30% co-payment (capped at AED 1,500 annually)
• No waiting period for chronic conditions

Family Coverage: Dependents can access the same benefits and pricing structure

4. Acceptable Insurance Plans

Golden Visa applicants can choose from several categories of acceptable insurance:

Basic Coverage: The new AED 320 Basic Health Insurance Scheme meets minimum legal requirements. While affordable, it includes co-payments and a limited provider network of seven hospitals, 46 clinics, and 45 pharmacies.

Comprehensive Coverage: Enhanced plans from providers like Daman offer higher coverage limits, broader networks, and reduced co-payments. These plans typically start around AED 3,545 annually but provide significantly more comprehensive coverage.

International Coverage: Some Golden Visa holders opt for international insurance plans that provide worldwide coverage. However, these must still meet UAE minimum standards and be recognized by local authorities.

Also Read: Top 15 UAE Golden Visa Benefits: Your Complete 2025 Guide

When Must Insurance Be Provided in the Application Process?

1. Application Stage Requirements

You cannot begin the Golden Visa application process without having health insurance in place. The insurance documentation must be submitted as part of your initial application package, not after approval. This timing requirement is critical and non-negotiable.

The Federal Authority for Identity, Citizenship, Customs, and Ports Security requires proof of valid health insurance as one of the core documents for all Golden Visa categories. Attempting to apply without this documentation will result in immediate application rejection.

2. Consequences of Not Providing Valid Insurance

The consequences of inadequate or missing health insurance coverage are severe and immediate:

Application Rejection: Health insurance deficiencies are among the top reasons for Golden Visa application rejections. Immigration authorities review insurance documentation early in the process, and inadequate coverage leads to immediate denial.

Legal Compliance Issues: Operating in the UAE without proper health insurance violates federal and emirate-level laws. This can affect not only your current application but also future visa applications and renewals.

Financial Liability: Without proper coverage, Golden Visa holders become personally liable for all medical expenses for themselves and their dependents. Given the UAE’s high-quality but expensive healthcare system, this represents a significant financial risk.

3. Documentation Requirements

When submitting your Golden Visa application, you must provide comprehensive insurance documentation:

• Valid insurance policy documents showing coverage details
• Proof of premium payments demonstrating that coverage is current
• Coverage verification confirming compliance with emirate-specific requirements
• Dependent coverage proof for all sponsored family members
• Insurance validity confirmation extending at least one year from application date

Who Pays for Health Insurance?

1. Employer-Provided vs. Self-Purchased Coverage

The responsibility for health insurance varies significantly based on your employment status and Golden Visa category:

Employed Individuals: If you’re employed in the UAE, your employer’s health insurance may satisfy Golden Visa requirements. However, this coverage must extend to all your dependents and meet emirate-specific standards. Many employer plans cover only the employee, requiring additional coverage for family members.

Self-Employed/Investors: Individuals applying for Golden Visas through investment or entrepreneurship routes must purchase their own health insurance. This includes comprehensive coverage for themselves and all sponsored dependents.

Freelancers: Those holding freelance permits or working independently must arrange UAE-compliant health insurance independently. The new Basic Health Insurance Scheme provides an affordable option for this category.

2. Special Scenarios

Different Golden Visa categories face unique insurance challenges:

Property Investors: Those obtaining Golden Visas through real estate investment typically need to arrange comprehensive family coverage independently. The AED 2 million property investment requirement doesn’t include insurance provisions.

Business Owners: Entrepreneurs and business owners must ensure their insurance arrangements cover their family members and meet long-term residency requirements.

Healthcare Professionals: Medical professionals may have access to enhanced coverage through their employers but must verify that dependent coverage meets Golden Visa standards.

Types of Health Insurance Plans for Golden Visa Holders

1. Basic vs. Comprehensive Coverage Options

Golden Visa holders can choose from several coverage tiers, each offering different levels of protection and network access:

Basic Coverage (AED 320 Scheme): The government’s Basic Health Insurance Scheme represents the most affordable option. Key features include:

• Annual premium of AED 320 (plus VAT and fees, totaling approximately AED 361)
• Coverage for ages 1-64 without medical underwriting
• No waiting period for chronic conditions
• Maximum annual benefits: AED 50,000 inpatient, AED 10,000 outpatient
• Network of 7 hospitals, 46 clinics, 45 pharmacies

Mid-Tier Coverage: Comprehensive plans from established providers offer enhanced benefits:

• Annual limits ranging from AED 300,000 to AED 2.5 million
• Broader provider networks (2,500+ facilities for some plans)
• Reduced co-payments and deductibles
• Additional benefits like dental, optical, and alternative medicine coverage

Premium Coverage: High-end plans provide maximum protection:

• Annual limits up to AED 20 million or unlimited coverage
• Worldwide coverage options (excluding or including USA/Canada)
• Comprehensive outpatient benefits
• Advanced treatments and specialist care
• Direct billing and cashless treatment options

2. Family Plans and Coverage for Dependents

Family coverage represents one of the most critical aspects of Golden Visa insurance compliance. Options include:

Family Floater Plans: These plans provide shared coverage limits for all family members and are often more cost-effective than individual policies.

Individual Policies: Separate coverage for each family member, allowing customized protection based on individual needs and age-related risks.

Dependent-Specific Coverage: Some insurers offer specialized plans for children, elderly parents, or family members with pre-existing conditions.

3. Key Benefits and Coverage Limits

Regardless of the plan level chosen, Golden Visa insurance must include specific core benefits:

Inpatient Care: Coverage for hospitalization, surgeries, and related medical treatments. Basic plans typically include co-payments, while comprehensive plans may offer 100% coverage within network facilities.

Outpatient Services: Coverage for doctor consultations, diagnostic tests, and minor procedures. The extent of coverage varies significantly between basic and comprehensive plans.

Emergency Care: All plans must provide emergency coverage, though the scope and geographic coverage may vary.

Maternity Care: Comprehensive plans often include maternity benefits, while basic plans may exclude or limit these services.

Pre-existing Conditions: Coverage approaches vary, with basic plans typically including waiting periods while some comprehensive plans offer immediate coverage.

Step-by-Step: Securing Health Insurance for the Golden Visa

1. How to Choose a Compliant Health Insurance Plan

Selecting the right insurance plan requires careful consideration of multiple factors:

Assess Your Category: Different Golden Visa categories may have specific insurance requirements or recommendations. Investors, employees, and students may face different compliance standards.

Evaluate Emirate Requirements: Ensure your chosen plan meets the specific standards of your target emirate. Dubai’s DHA requirements differ from Abu Dhabi’s DoH standards.

Consider Family Needs: Calculate coverage requirements for all dependents, including age-specific needs and any pre-existing medical conditions.

Budget Planning: Factor in both premium costs and potential out-of-pocket expenses like co-payments and deductibles.

2. Approved Providers and Platforms for Purchase

Golden Visa applicants can purchase compliant insurance through several channels:

Government-Approved Providers: The Basic Health Insurance Scheme is available through official channels, including the DubaiCare Network and approved suppliers.

Established Insurance Companies: Major providers like Daman, Cigna, Allianz, and others offer Golden Visa-specific plans.

Insurance Brokers: Specialized brokers can help compare options and ensure compliance with specific requirements.

Online Platforms: Several digital platforms offer comparison tools and direct purchase options for UAE health insurance.

3. Documentation Required for Visa Application

Proper documentation is essential for a successful Golden Visa application:

Policy Documents: Complete insurance policy showing coverage details, limits, and validity period.

Premium Payment Proof: Evidence of current premium payments and confirmation of policy activation.

Coverage Verification: Documentation confirming that coverage meets emirate-specific minimum requirements.

Dependent Coverage: Separate documentation for each sponsored family member showing adequate coverage.

Provider Verification: Confirmation that your insurance provider is recognized and approved by relevant UAE authorities.

Also Read: How Much Investment is Required for a UAE Green Visa? (2025 Guide)

Common Misconceptions and Pitfalls

1. Myths About Skipping Insurance or Using Travel Insurance

Several dangerous misconceptions persist about Golden Visa insurance requirements:

“Travel Insurance is Sufficient”: This is categorically false. Travel insurance is designed for short-term visits and does not meet the comprehensive coverage requirements for UAE residency. Golden Visa applications require proper health insurance designed for long-term residents.

“I Can Apply First, Get Insurance Later”: This approach guarantees application rejection. Insurance documentation must be provided at the application stage, not after approval.

“Basic Coverage Isn’t Really Required”: Some applicants mistakenly believe they can skip insurance or provide minimal coverage. However, inadequate insurance is a leading cause of application rejection.

2. Risks of Lapsing or Inadequate Coverage

The consequences of poor insurance decisions extend far beyond the application process:

Visa Renewal Issues: Letting your insurance lapse after Golden Visa approval can result in legal complications and affect visa renewal. Continuous coverage is mandatory throughout your residency period.

Financial Exposure: Without proper coverage, Golden Visa holders face potentially catastrophic medical expenses in the UAE’s private healthcare system.

Legal Violations: Operating without required insurance violates UAE law and can result in fines, visa complications, or deportation.

Family Impact: Inadequate coverage affects not just the main applicant but all sponsored dependents, potentially leaving family members without healthcare access.

Frequently Asked Questions About Golden Visa Insurance

1. Can I apply for a Golden Visa without insurance and provide it later?

Absolutely not. This is one of the most common misconceptions that leads to application rejection. Insurance documentation must be provided at the application stage as part of your initial submission. The Federal Authority for Identity, Citizenship, Customs, and Ports Security requires valid health insurance as a prerequisite for all Golden Visa applications.

2. What Happens If My Insurance Lapses After Visa Approval?

Letting your insurance lapse creates serious legal and practical problems. Continuous coverage is mandatory throughout your UAE residency, not just during the application process. Consequences include:

• Complications during visa renewal
• Legal violations of UAE residency requirements
• Personal liability for all medical expenses
• Potential impact on future visa applications

3. Are Dependents Also Required to Have Insurance?

Yes, all dependents must have insurance coverage. Golden Visa holders are responsible for providing health insurance for “all persons whose visas are under their sponsorship.” This includes spouses, children, parents, and any other dependents. The coverage requirement is not limited to the main applicant.

4. Is Employer-Provided Insurance Sufficient for Golden Visa Purposes?

It depends on the coverage scope. If your employer’s insurance covers you and all your dependents adequately and meets emirate-specific requirements, it may be sufficient. However, many employer plans cover only the employee, requiring additional coverage for family members. You must verify that:

• Coverage extends to all sponsored dependents
• Coverage meets emirate minimum requirements
• Policy validity extends for the required duration
• The insurance provider is recognized by UAE authorities

5. What Is the Minimum Insurance Coverage Required?

Minimum requirements vary by emirate but include basic standards:

• Dubai: Minimum annual benefit limit of AED 150,000 with specific co-payment structures
• Abu Dhabi: Valid local or UAE-recognized health insurance meeting DoH standards
• Northern Emirates: Basic Health Insurance Scheme (AED 320) or equivalent coverage
• All Emirates: Coverage must include inpatient care, emergency services, and outpatient benefits

6. Are There Any Exemptions to the Insurance Rule?

No exemptions exist for the health insurance requirement. All Golden Visa applicants and holders must maintain valid health insurance coverage. 

However, Abu Dhabi allows an alternative where applicants can “sign an undertaking to provide the health insurance cover, or else he will bear all costs related to their healthcare & medical services.” This is not recommended as it creates significant financial liability.

Conclusion: No UAE Golden Visa Without Valid Health Insurance

The UAE’s Golden Visa program represents an exceptional opportunity for long-term residency and professional growth in one of the world’s most dynamic economies. However, health insurance remains a non-negotiable requirement that applies to all applicants and categories without exception.

The 2025 regulatory updates have actually made compliance easier and more affordable through the introduction of the Basic Health Insurance Scheme at AED 320 per year. 

This government-backed option ensures that cost is no longer a barrier to meeting insurance requirements while maintaining the UAE’s commitment to protecting residents’ health and well-being.

Stay Informed: Insurance requirements can change, so always verify current requirements with official government sources before making any decisions.

Book your free consultation call today with the experts of JSB Incorporation to learn more about the health insurance requirement for the UAE Golden Visa.