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Healthcare and health insurance in Dubai

By JJay Ellis ·Checked against official sources· Updated October 2026Follow @getsetl.ae

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How health insurance works in Dubai

  • Employees are covered by their employer's policy.
  • Family members you sponsor need cover too. Check whether your employer includes them or whether you need to buy it: does employer insurance cover family?.
  • Between arrival and your resident policy, check if you need temporary cover.

Start here: health insurance in Dubai.

Using your insurance

Your card lists a network: the clinics, hospitals and pharmacies where you can use direct billing. Outside the network you may pay and claim back, or not be covered at all. Check before you book: which clinics does your insurance cover?.

Finding a doctor, dentist or paediatrician

Choose a clinic near your new home that's in your network, register before you need it, and ask about same-day appointments and out-of-hours cover for children. See find a doctor or dentist.

What to bring from home

Emergencies

ServiceNumber
Ambulance998
Police999
Fire997

For urgent but non-emergency issues, use an urgent care clinic in your network. More: urgent medical care in Dubai.

Insure your home too

Health cover doesn't protect your belongings. Consider home contents insurance, especially in the first year when you've just bought furniture.

Signed your lease?

Your free move-in checklist puts Ejari, DEWA, cooling, gas, internet and your move-in permit in the right order for your building. Start with what to do after signing.

Common questions

Is health insurance mandatory in Dubai?

Yes. It's required for residents, and you'll usually need it as part of the residence visa process.

Can I see any doctor in Dubai with insurance?

Only clinics in your plan's network bill your insurer directly. Check the network list before booking.

What is the emergency number in Dubai?

Call 998 for an ambulance, 999 for police and 997 for fire.

Can I bring my medication to Dubai?

Usually, with a prescription and doctor's letter, but some medicines are controlled and need approval before travel. Check before you fly.

Setl is Dubai's free move-in assistant: one checklist for Ejari, DEWA, AC, gas, internet and permits, in the right order for your building.