UAE Health Insurance Budget
Turn the annual premiums you were actually quoted into a household out-of-pocket budget for Dubai (DHA), Abu Dhabi (DOH) or the Northern Emirates, and see who still needs compliant cover for a residence visa.
Calculate your estimate
Budget arithmetic on premiums you were quoted; this site does not publish or price insurance products and no premium here is an official amount
On supported formula tools, a complete set of valid inputs refreshes the estimate automatically. You can always use Calculate estimate to review it again.
Saved estimates stay only in this browser on this device. Nothing is sent to Gulf Expat Tools. Save up to five named estimates per tool.
Saved estimate history
Load or remove up to five recent estimates stored only in this browser.
Scope of this calculator
Scope in
- Annual household out-of-pocket premium totals from quotes you type in.
- Who is covered: employee, spouse and a number of children.
- Whether the employer already pays the employee premium.
Scope out
- Any price list of plans, including the essential benefits plan, as if it were a live official amount.
- Selling, comparing or ranking insurers.
- Claim approval, network access, pre-existing condition rules and waiting periods.
- Thiqa and other national programmes, which do not apply to expatriate residents.
Worked example
Example only: employer pays the employee premium, spouse quoted AED 5,200 and two children quoted AED 3,100 each gives a household out-of-pocket planning figure of AED 11,400 for the year.
Mini-example: employee premium of AED 900 paid by you and nobody else covered returns AED 900.
How this calculator works
Household out-of-pocket = (employee premium you entered, counted only when you answer that the employer does not cover it) + (spouse premium you entered when a spouse is covered) + (number of children x the per-child premium you entered). Every premium is a quote you supply; nothing is looked up.
Household out-of-pocket = (employee premium you entered, counted only when you answer that the employer does not cover it) + (spouse premium you entered when a spouse is covered) + (number of children x the per-child premium you entered). Every premium is a quote you supply; nothing is looked up.Official sources used for this page
This tool is maintained against the referenced authority. Rules can change, so check the source and the page review date before acting.
ISAHD - Dubai health insurance programme information ↗
Common questions
Short answers for using this tool responsibly.
Do you publish plan prices?
No. Premiums depend on age, cover and insurer, so this page only adds up the quotes you enter. Confirm the official source cited on this page before you act.
Is health insurance mandatory for my visa?
Dubai and Abu Dhabi require compliant cover for residents, and a residence visa or renewal is normally blocked without it. Check the current requirement for your emirate. Confirm the official source cited on this page before you act.
My employer covers me but not my family. What do I enter?
Enter zero for the employee premium and the quoted amounts for spouse and children, so the total shows only what leaves your own pocket. Confirm the official source cited on this page before you act.
Does a cheaper policy still satisfy the rules?
Only a policy that meets the minimum benefits set by the regulator counts, so confirm compliance with the insurer and the authority rather than price alone. Confirm the official source cited on this page before you act.