How do I arrange health insurance after relocating?

If you need to arrange a policy yourself, request quotations from insurers permitted to operate in Dubai. You can check the official DHA insurance directory. Ask for the document checklist, which may include your passport, residence or application details, Emirates ID where available and a completed medical declaration. Confirm what the insurer accepts if your residency documents are still pending.

Compare the cover, not just the annual premium. Check the hospitals and clinics in the network, consultation co-payments, deductibles, annual limits, prescription benefits, emergency treatment and any referral or pre-authorisation requirements. Ask specifically about ongoing conditions, maternity or other care relevant to your family, including exclusions and waiting periods. Answer medical questions accurately.

Before relying on the policy, obtain written confirmation of its start date, membership details and how to access treatment. Check whether any existing travel or international insurance covers the period before your resident policy begins, and arrange suitable temporary cover if needed.