Health insurance for Investor, Golden, Green, & Employer-Sponsored Visas in the UAE

health insurance- golden visa- investor visa- green visa- medical insurance- Gargash Insurance brokers- UAE 29 Feb, 2024

Coming to the UAE on investor, golden, green, or employer-sponsored visa? Ensure to have the right health insurance plan in place with our comprehensive guide.

When relocating to the United Arab Emirates (UAE) under an investor visa, golden visa, green visa, or employee-sponsored visa, it is essential to secure adequate medical insurance coverage. Having the right insurance plan ensures that individuals and their families are protected against unforeseen medical expenses. This article explores suitable health insurance options for each visa type, along with starting rates to help you make an informed decision.


Quick Read Section

  • It is crucial for individuals holding different visa types in the UAE to have adequate medical insurance coverage.
  • Consider factors such as coverage, network, additional benefits, and affordability when selecting a plan.
  • Comprehensive health insurance is the recommended plan for individuals holding a golden or investor visa.
  • Individuals holding a green visa can choose between basic or comprehensive medical insurance plans.


Health insurance Coverage Options for Different Visa Types in the UAE

These are the medical insurance coverage options available for different visa types in the UAE:

  • Medical insurance for Golden Visa Holders:

Golden visas are long-term residency visas granted to investors, entrepreneurs, and highly skilled professionals. Golden visa holders in the UAE are typically required to have medical insurance coverage for themselves and their dependents. During the application process for residence visas for your sponsored individuals, you will likely be required to provide medical insurance documentation. This documentation serves as proof of adequate healthcare coverage and demonstrates your commitment to meeting the healthcare needs of your dependents. Be prepared to provide the necessary medical insurance documents, such as policy details, coverage information, and proof of premium payments, to fulfill the visa application requirements.

Golden visa holders should consider comprehensive medical insurance plans to secure extensive coverage and get access to quality healthcare services in case of medical emergencies or unexpected health issues. These plans offer a broader network of hospitals and clinics, along with customizable coverage options.

The benefits of health insurance plans for Golden visa holders are:

-Worldwide Coverage: Access medical services and treatments anywhere in the world, including your home country.

-Maternity Coverage: Covered subject to 10% coinsurance, up to AED 20,000

-Higher Annual Limit: Extensive coverage up to AED 1 million per year

-Nil Copay%: Golden visa holders can opt for zero copay plans or a maximum copay of 20% or 50 AED.

-Wide network: Extensive hospital and clinic coverage across the UAE.

-Pre-existing conditions: Pre-existing conditions are covered up to AED 150,000

-Additional Benefits: Golden visa insurance plans cover dental, optical, alternative medicine, cancer treatment, physiotherapy etc.


  • Medical insurance for Investor Visa Holders:

The Dubai Investor's visa, also known as the 'Partner Visa,' is specifically designed for expatriates who seek to invest in the UAE or establish a business in Dubai mainland or the free zones. This visa provides a range of benefits, allowing you to live, work, and sponsor your family members in the UAE. While the Dubai Investor's visa has a minimum validity of 3 years, you also have the option to apply for longer durations of up to 10 years, providing you with extended stability and flexibility.

For individuals holding an investor visa in the UAE, comprehensive medical insurance plans are recommended. These plans offer extensive coverage and flexibility tailored to the specific needs of the insured.

Look for plans offering:

-Extensive Coverage: Select a plan that offers comprehensive coverage for a wide range of medical treatments, including specialized and advanced procedures.

-Wide Network: Choose a plan with an extensive network of hospitals, clinics, and medical professionals to ensure easy access to quality healthcare services.

-International Coverage: If you frequently travel abroad, consider a plan that provides coverage outside the UAE as well.

-Value-added Services: Look for plans that offer value-added services such as second medical opinions and health management programs.


  • Medical insurance for Green Visa Holders:

The Green Visa is an exceptional opportunity for individuals seeking residency in the UAE. This residency visa provides you with the freedom to sponsor yourself for a period of 5 years without requiring company sponsorship.

The Green Visa program encompasses three major types, each catering to specific categories of individuals:

-Green Residency for Skilled Workers:

-Green Residency for Self-Employed Individuals:

-Green Residency for Investors or Partners in Commercial Enterprises:


Green visa holders, also known as self-employed or freelancer visa holders, have two health insurance options in the UAE. They can choose between the government-approved Essential Benefits Plan (EBP) or opt for comprehensive medical insurance plans. Comprehensive medical insurance plans offer more comprehensive coverage options, including outpatient services, dental, and maternity benefits.

Look for plans offering:

-Network: Ensure the plan has a network of healthcare providers in your area to facilitate easy access to medical services.

-Affordability: Choose a plan that balances coverage and cost, ensuring it fits within your budget.


  • Medical insurance for Employee-Sponsored Visa Holders:

Employees working in the UAE under sponsored visas are typically provided with medical insurance coverage by their employers. The coverage and starting rates for employee-sponsored medical insurance plans vary depending on the employer and the level of coverage chosen. However, it is advisable for employees to review the coverage details and consider supplementing it with additional comprehensive medical insurance plans for enhanced coverage if necessary.

Your employer likely provides basic medical insurance. Consider supplementing it if it lacks:

-Comprehensive coverage: Upgrade for dental, optical, or critical illness cover.

-Wider network access: Choose a plan with hospitals and clinics convenient for you.

-Higher annual limits: Opt for increased coverage for expensive treatments.

-Starting Rates: Varies depending on your employer's plan and chosen add-ons.


Visa Type

Recommended Plan

Starting Rate (AED)

Golden Visa

Comprehensive medical insurance

From AED 3,087*

Investor Visa

Comprehensive medical insurance

From AED 2,618*

Green Visa

Essential Benefits Plan (EBP)/ Comprehensive Medical insurance

For EBP Plans: AED 575*

For Comprehensive Plans: From AED 1,460*

Employee-Sponsored Visa

Supplemental Coverage (Optional)

Varies according to the chosen plan by the employer

** Please take note that the rates mentioned above are specifically for individuals between the ages of 31 and 35 who do not have any pre-existing illnesses.



Having adequate health insurance coverage is vital for individuals holding investor visas, golden visas, green visas, and employee-sponsored visas in the UAE. While government-approved medical insurance plans, such as the Essential Benefits Plan (EBP), offer a baseline level of coverage, it is recommended to opt for comprehensive medical insurance plans to enhance your coverage and get access to a broader network of healthcare providers.

Before selecting a medical insurance plan, it is essential to consider factors such as coverage limits, exclusions, network of healthcare providers, and additional benefits provided. It is advisable to consult with an insurance broker to understand the available options and make an informed decision that best suits your requirements. With the right medical insurance coverage, you can enjoy peace of mind knowing that you are adequately protected against unexpected medical expenses during your stay in the UAE.

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