Question 1

Is health insurance mandatory for everyone in the UAE?

Accepted Answer

Yes, health insurance is legally mandatory for all residents across the UAE. In Dubai, the DHA (Dubai Health Authority) requires every individual to have medical coverage under the ISAHD mandate. In Abu Dhabi, the DoH (Department of Health) requires sponsors to provide coverage for employees and dependents. Failure to maintain active insurance can result in monthly fines of up to 500 AED per person and can block the issuance or renewal of residency visas. eSanad provides a wide range of DHA and DoH compliant plans, from basic Essential Benefit Plans to premium international networks, ensuring you remain fully compliant with UAE law while protecting your family's medical well-being.

Question 2

What does health insurance typically cover in the UAE?

Accepted Answer

A standard health insurance plan in the UAE covers essential medical services including inpatient care (surgery, hospital stays), outpatient visits (GP/Specialist consultations), and emergency treatment. Most policies also cover diagnostic tests (X-rays, blood work), maternity care (prenatal and delivery), and prescription medications. The specific level of coverage, such as co-payment percentages, pharmacy limits, and the quality of the hospital network, varies by the plan selected. eSanad allows you to compare over 20+ top UAE insurers side-by-side, so you can clearly see the 'Table of Benefits' and choose a plan that includes your preferred doctors and clinics while fitting your annual budget.

Question 3

How do I compare and buy health insurance online on eSanad?

Accepted Answer

Comparing and buying health insurance on eSanad is a fast, 100% digital process. Simply enter your basic details—age, visa location, and any medical history—on our platform. Our engine instantly displays live quotes and benefit comparisons from the UAE's leading insurers like Daman, Orient, ADNIC, and Salama. You can filter by hospital tier, dental inclusion, or maternity limits. Once you select the best plan, you can upload your passport and Emirates ID securely to our portal. After a safe online payment, your digital insurance certificate is issued immediately, and your status is updated in the government health registers, allowing for a seamless transition or visa renewal without any wait time.

Question 4

How are medical insurance premiums calculated in the UAE?

Accepted Answer

Medical insurance premiums in the UAE are primarily determined by the applicant's age, as health risks naturally increase with age. Other critical factors include your gender (particularly for maternity-related risks), your visa location (Dubai vs Abu Dhabi), and any disclosed pre-existing or chronic health conditions. The 'Network Tier' you select is also a major driver—including premium hospitals like American Hospital or Cleveland Clinic will result in a higher premium than basic clinic-only plans. eSanand’s real-time API connection with senior insurers ensures you see the lowest available 'market rates' instantly, taking into account any applicable family discounts or corporate-level individual pricing.

Question 5

Is eSanad a licensed and approved insurance broker in the UAE?

Accepted Answer

Yes, eSanad is a fully licensed and regulated digital insurance brokerage in the UAE. We are approved by the Department of Health Abu Dhabi (DoH Certificate No. 80) and the Dubai Health Authority (DHA Intermediary ID: BRK-0017). This licensing ensures that all health insurance products sold through our platform adhere to the strict regulatory and data privacy standards of the UAE. Our direct integration with government health authorities means that when you buy a policy through eSanad, your data is used only for legitimate insurance purposes, and your policy is officially recognized by all UAE immigration and healthcare portals for visa and treatment purposes.

Question 6

Does health insurance cover pre-existing or chronic conditions?

Accepted Answer

Yes, under the 'Community Rating' and 'Full Disclosure' laws of the UAE, health insurance must provide coverage for pre-existing and chronic conditions. If you are a first-time insurance buyer in the UAE, a standardized 'waiting period' (usually 6 months) apply to chronic treatments, though emergency care is typically covered from day one. If you already have a UAE insurance history, eSanad helps you secure 'Continuity of Cover' certificates, which waive these waiting periods and ensures your existing medications and specialist visits remain covered without interruption. Transparent disclosure during your application on eSanad is key to ensuring your policy remains valid and your chronic health needs are fully met.

Question 7

Which insurance companies can I compare on the eSanad platform?

Accepted Answer

eSanad partners with a vast network of both local and international insurance giants licensed in the UAE. This includes market leaders such as Daman (National Health Insurance Company), ADNIC, GIG Gulf, Orient Insurance, and Salama. For premium international coverage, we also feature plans from Allianz, Bupa, and Cigna. By providing a single point of access to these diverse insurers, eSanad gives you a transparent view of the entire health insurance market. You can compare their specific claims authorization speeds, network sizes, and customer satisfaction ratings, ensuring you select a partner that will provide reliable medical support when you or your family need it most.

Plan Type	Eligibility	AED /Employee /Year	Dependents
DHA EBP (Dubai)	Salary ≤ 4,000	567	Same rate
DOH Basic (Abu Dhabi)	Blue-collar staff	1,850	Same rate
Standard Professional	Mid-level staff	2,400	+1,800 spouse
Enhanced Executive	Dept Managers	6,500	+4,800 spouse
Platinum C-Suite	Leadership Team	18,000	+12,000 spouse

Plan Type	Eligibility	AED /Employee /Year	Dependents
DHA EBP (Dubai)	Salary ≤ 4,000	567	Same rate
DOH Basic (Abu Dhabi)	Blue-collar staff	1,850	Same rate
Standard Professional	Mid-level staff	2,400	+1,800 spouse
Enhanced Executive	Dept Managers	6,500	+4,800 spouse
Platinum C-Suite	Leadership Team	18,000	+12,000 spouse

Group Medical Insurance for SMEs UAE 2026

Get Instant Group Quote

Group Medical — FAQs

Explore All UAE-Licensed Insurance Companies

Group Medical Insurance for SMEs UAE 2026

Get Instant Group Quote

Group Medical — FAQs

Explore All UAE-Licensed Insurance Companies

Group Medical Insurance for SMEs UAE 2026

Get Instant Group Quote

Group Medical — FAQs

Q1Is group medical insurance mandatory for SMEs in UAE 2026?

Q2What is the minimum group size?

Q3Does the employer have to pay for dependents?

Q4Can SMEs get DHA EBP rates?

Q5How long does it take to set up?

Q6What happens when an employee leaves?

Q7Do employees keep continuity if they move companies?

Q8Can we offer tiered plans by seniority?

Q9Is maternity covered under group schemes?

Q10Are pre-existing conditions covered?

Explore All UAE-Licensed Insurance Companies

Group Medical Insurance for SMEs UAE 2026

Get Instant Group Quote

Group Medical — FAQs

Q1Is group medical insurance mandatory for SMEs in UAE 2026?

Q2What is the minimum group size?

Q3Does the employer have to pay for dependents?

Q4Can SMEs get DHA EBP rates?

Q5How long does it take to set up?

Q6What happens when an employee leaves?

Q7Do employees keep continuity if they move companies?

Q8Can we offer tiered plans by seniority?

Q9Is maternity covered under group schemes?

Q10Are pre-existing conditions covered?

Explore All UAE-Licensed Insurance Companies