Abu Dhabi Basic Plan

Essential coverAbu Dhabi Basic Health Insurance PlanLow-salary / employer-sponsored workers

PremiumFrom AED 998 /yrDaman rate per employee/yr, excl. VAT

Annual limitAED 250,000

Visa emiratesAbu Dhabi

Area of coverUAEAbu Dhabi network; other emirates emergencies only

Core cover
Inpatient	Covered; IP & day-care AED 200 per admission, annual cap AED 500 (Daman FAQ)
Outpatient	Covered
Deductible & co-payment	IP/daycare AED 200 per admission (cap AED 500/yr); medicines 30% co-pay (70% covered up to AED 1,500); diagnostics 20% max AED 50/visit
Prescription medicines	medicines 30% co-pay (70% covered up to AED 1,500)
Benefits
Maternity	Covered Covered (scans, consults, delivery); mandatory maternity surcharge AED 750 for married females 18-50
Dental	Not confirmed
Optical	Not confirmed
Pre-existing conditions	Waiting period 6-month waiting for listed conditions (IP) unless 6 months continuous DoH cover
Network
Hospital & clinic network	DoH-approved network
Claims administrator (TPA)	Not stated
Eligibility & documents
Who it's for	Employees with salary <= AED 4,000 (with accommodation) or <= AED 5,000 (without); domestic helpers; small investors
Regulatory type	DoH Abu Dhabi Basic (mandatory minimum for low-income)
Other notes	Employer must pay for employees (and eligible dependants per DoH law).
Document date	Jul 2024 / 2026