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My AccountMandatory Health Insurance UAE 2026 — Everything You Need to Know
Quick Answer
As of January 2026, health insurance is mandatory for all employees and domestic workers across all seven Emirates. The UAE Federal Health Insurance Scheme now extends beyond Dubai and Abu Dhabi to include Sharjah, Ajman, Ras Al Khaimah, Umm Al Quwain, and Fujairah, making valid medical insurance compulsory for visa issuance and renewal.
What Changed in the UAE Health Insurance Law in 2026?
The 2026 update unified health insurance regulations under a federal framework, closing gaps between Emirates.
Key 2026 updates include:
- Mandatory coverage for all visa categories
- Employers fully responsible for employee medical insurance
- Sponsors required to insure domestic workers
- Insurance verification now linked directly to visa renewal systems
Failing to comply can delay visas, trigger fines, or result in labour penalties.
Is Health Insurance Mandatory in All Emirates Now?
Yes.
While Dubai (DHA) and Abu Dhabi (DOH) enforced medical insurance for years, 2026 made it federal.
Basic vs Comprehensive Health Insurance — What’s the Difference?
How to Get Health Insurance for Domestic Workers in UAE (2026 Guide)
Sponsors must now insure:
- Maids
- Nannies
- Drivers
- Caregivers
Step-by-Step Process
- Select a federally approved domestic worker plan
- Ensure minimum inpatient + emergency coverage
- Purchase policy under sponsor’s Emirates ID
- Upload policy for visa processing
💡 Most affordable plans in 2026 start from AED 650–900/year.
What Are the Fines for Not Having Health Insurance in the UAE?
According to MOHRE 2026 updates:
- Visa renewal blocked without insurance
- Employer fines for uninsured staff
- Labour file suspension for repeat violations
Non-compliance also risks medical bills being fully out-of-pocket.
Checklist for UAE Visa Renewal 2026 (Save This)
✔ Valid health insurance policy
✔ Emirates ID linked coverage
✔ Correct Emirate authority compliance
✔ Domestic worker insurance (if applicable)
✔ Active policy dates matching visa tenure
🔗 : Check Visa-Compliant Health Insurance Plans — insurancepolicy.ae
Frequently Asked Questions — UAE Health Insurance 2026
Is health insurance required for family visas in UAE?
Yes. Dependents must also have valid medical insurance for visa renewal.
Can I change insurance providers after visa issuance?
Yes, as long as coverage remains compliant.
Is travel insurance accepted for visa renewal?
No. Only UAE-approved health insurance policies are valid.
