Essential
Annual limitAED 250,000
PremiumQuote only
- Visa emirates
- Abu Dhabi, Dubai, Northern Emirates
- Area of cover
- Regional
Maternity: coveredDental: coveredOptical: not coveredPre-existing conditions: covered
(Regulatory minimum - all DHA Participating Insurers)
EBP standard Table of Benefits (from 1 Jan 2025)
Essential coverDHA Essential Benefits Plan (EBP)Low-salary / employer-sponsored workersRegulatory benchmark
PremiumAED 550–750 /yrDHA index-rate band per member/yr + VAT
Annual limitAED 150,000
Visa emiratesDubai
Area of coverUAEBasic care within Dubai; emergencies all UAE
Benefits
| Core cover | |
|---|---|
| Inpatient | Covered; prior approval; rooms of 2+ beds |
| Outpatient | Covered; GP referral via DHA e-Referral needed for specialists |
| Deductible & co-payment | IP 20% capped AED 500/encounter & AED 1,000/yr; OP 20% per visit (nil if follow-up within 7 days); drugs 30% up to AED 2,500/yr |
| Prescription medicines | drugs 30% up to AED 2,500/yr |
| Benefits | |
| Maternity | Covered OP antenatal 10%; IP maternity 10%, max AED 10,000 normal / AED 10,000 C-section |
| Dental | Covered AED 500 limit, 30% coinsurance |
| Optical | Not covered Not covered (exclusions) |
| Pre-existing conditions | Waiting period Must be covered; may be excluded first 6 months of first UAE scheme |
| Network | |
| Hospital & clinic network | Limited network acceptable |
| Claims administrator (TPA) | Not stated |
| Eligibility & documents | |
| Who it's for | Individual/Group (LSB <= AED 4,000/month & dependants) |
| Regulatory type | DHA EBP (Dubai minimum standard for ANY policy) |
| Other notes | Other limits: organ transplant AED 100,000; dialysis AED 60,000; mental health AED 800; repatriation AED 5,000; vaccines incl. flu. |
| Document date | GC 03/2024, 23 Jul 2024 |
Similar plans from other insurers
Essential
Annual limitAED 250,000
PremiumQuote only
- Visa emirates
- Abu Dhabi, Dubai, Northern Emirates
- Area of cover
- Regional
Maternity: coveredDental: coveredOptical: not coveredPre-existing conditions: covered
Essential
Annual limitAED 150,000
PremiumQuote only
- Visa emirates
- Abu Dhabi, Dubai, Northern Emirates
- Area of cover
- Regional
Maternity: coveredDental: coveredOptical: not coveredPre-existing conditions: covered
Sources
- DHA Circular GC 03/2024 - Updated Table of Benefits for Essential Benefits Plan – Dubai Health Authority, 23 Jul 2024 (effective 1 Jan 2025)
Retrieved 2026-10-29. Always check the insurer's current table of benefits before buying.