WHI Basic Plan

Essential coverWorkers Health Insurance (Northern Emirates)Low-salary / employer-sponsored workers

PremiumFrom AED 320 /yrPer person/yr, excl. VAT & fees

Annual limitAED 60,000

Visa emiratesSharjah, Ajman, UAQ, RAK, Fujairah

Area of coverUAENorthern Emirates

Core cover
Inpatient	20% co-pay capped AED 500/visit, AED 1,000/yr
Outpatient	25% co-pay max AED 100/visit; nil for follow-up in 7 days
Deductible & co-payment	Meds 30% co-pay, limit AED 1,500; physio 6 sessions 25%
Prescription medicines	Meds 30% co-pay, limit AED 1,500
Benefits
Maternity	Not confirmed
Dental	Not confirmed
Optical	Not confirmed
Pre-existing conditions	Covered Nil waiting period
Network
Hospital & clinic network	DUBAICARE-N5 NE Restricted (OP restricted to clinics)
Claims administrator (TPA)	Not stated
Eligibility & documents
Who it's for	Private-sector employees & domestic workers (age 0-64)
Regulatory type	MoHRE Northern Emirates basic scheme (from 1 Jan 2025)
Other notes	MoHRE: network 7 hospitals, 47 clinics, 44 pharmacies; telehealth free.
Document date	2025