More than the mandatory minimum.
Health insurance is mandatory in the UAE, but meeting the requirement is only the starting point. The real differences sit in the hospital network, annual limits, co-payments, exclusions, maternity benefits, pre-existing conditions and where in the world you can receive treatment.
We compare plans across leading local and international insurers and go through those details before you choose, so you know which hospitals you can use, what you will pay yourself and where the limits of the policy sit.
Already covered through work?
Your company policy may be all you need. It is still worth knowing exactly what it covers. We review the hospital network, annual limit, co-payments, maternity and dental benefits, family cover and geographical limits. If there is a meaningful gap, we look at personal or additional cover. Get your policy reviewed.
The policy matters most when you need to use it.
For people arranging their own cover in the UAE, from basic compliant plans to wider networks, higher limits and extra benefits. We show you what changes as the premium changes.
One policy for spouse and children, with options around maternity, paediatrics and dental. Where an employer does not cover dependants, the sponsor is responsible for their insurance.
Worldwide cover that lets you choose where you are treated. The area of cover (UAE, region or worldwide) moves the premium most, so be honest about where you would actually want treatment.
What to check before you choose
- Hospital network — Are the hospitals and clinics you would actually use included?
- Annual limit — How much will the insurer pay in a policy year?
- Co-pay and deductible — What portion of consultations, tests and medication will you pay yourself?
- Pre-existing conditions — What is covered, excluded, or subject to additional terms?
- Maternity — What are the waiting periods, limits and co-payments?
- Geographical cover — Does the policy work only in the UAE, across the region, or internationally?
- Exclusions — What does the policy specifically not pay for?
Where health insurance stops
Health insurance pays eligible medical costs. It does not replace your income or pay you a lump sum on a serious diagnosis. That is what critical illness cover does: a one-off payment, directly to you, to use however you need.
Why choose Continental?
A network of qualified professionals
We see ourselves as your guide through the world of financial planning. Our job is to help you explore your options and find solutions that fit your goals.
Our team of 250+ professionals works across the Middle East, Europe and Asia. We're here to offer you clear, impartial advice—always putting your interests first, backed by years of experience and a commitment to service.
We keep learning, researching and embracing new technology so we can stay ahead—and help you get where you want to go.
Multifaceted solutions
Your financial security comes first. Whether you're looking out for your family, supporting your clients or planning your next move, we're here with the guidance and resources to help you reach your goals.
We work with trusted partners, both local and international, to bring you a wide range of financial and insurance solutions. Our promise: dedicated, personalised service—every step of the way.
A personalised approach
For us, relationships come first—in business and in life. We build trust and back it up with a skilled, experienced team.
We tailor our advice to fit your goals, risk comfort, timeline and cash needs. Whether you want to minimise risk, preserve wealth, grow your income or build capital, we'll find solutions that work for you.
Confidentiality, trust and discretion are at the heart of what we do. That's why clients choose us.
Start with the policy you have.
Send us your current cover or tell us what you need. We will tell you what is included, what is missing and
whether changing it is actually worthwhile.
FAQs
Things people ask first.
1. Is health insurance mandatory in the UAE?
Yes. Dubai requires cover for every resident visa holder under Law No. 11 of 2013, and Abu Dhabi has its own mandate. Employers carry specific obligations for staff; sponsors generally carry them for dependants. We will tell you exactly what applies to you.
2. My employer covers me. Do I need anything else?
Check three things: whether your family is included, whether the network includes the hospitals you would choose, and what happens when you change jobs. If any answer worries you, a top-up or personal plan is worth pricing. The review costs nothing.
3. What is the difference between a local plan and International Private Medical Insurance?
Take Control of your financial future
Speak to one of our expert advisors to discover solutions that could suit your unique financial profile and goals.
