Healthcare Costs Guide for Expats in Hawalli

Health insurance is mandatory for all UAE residents as of January 2025 — your employer must provide it. Verify your plan tier (basic, enhanced, or premium) and understand your co-pay structure.

Most employer-provided basic plans cover GP visits, specialist consultations, diagnostics, and emergency care. Co-pays are typically 10-20% for outpatient visits.

Enhanced and premium plans often include dental, maternity, optical, and mental health benefits — check your policy document for sub-limits on each.

In-network providers cost less than out-of-network. Always check if a hospital or clinic is in your insurance network before booking to avoid surprise bills.