Insurance for Dubai is not a formality but a real necessity, for two reasons: without it your visa may not be approved, and treatment in a private clinic is expensive. Let us go through what policy you need, what it covers and how to use it properly if something happens. This is part of our guide on healthcare in Dubai.
Do You Need Insurance for a Visa
Yes. Since 2025–2026, proof of medical insurance has been part of the requirements for a UAE tourist (visit) visa — the application process has gone digital, and without a policy the visa may not be approved. This applies to 30-, 60- and 90-day visas. Transit visas (48–96 hours) are usually exempt, but the rules change, so it is worth checking the current requirements when applying for a visa.
Even if insurance were not formally required, it is still worth taking out: one day in a private ward without a policy can cost as much as the whole trip.
What Coverage to Choose
The minimum coverage requirements are reviewed periodically; various sources cite figures of around 100,000–150,000 AED. Check the exact current figure when applying for your visa. Aim for a policy that:
- covers emergency medical care and hospitalisation;
- is valid for the entire duration of the trip;
- includes repatriation (medical evacuation) as a last resort.
What Is Usually Included and What Is Not
As a rule, included: an emergency doctor’s appointment, an ambulance, hospitalisation, emergency operations, emergency dental care (for pain), prescribed medicines.
Often NOT included without an extension: chronic and pre-existing conditions, pregnancy, adventure activities (diving, quad bikes, kitesurfing), injuries while intoxicated, planned treatment. These items are in the “exclusions” section, which is important to read before buying.
How to Use the Policy on the Ground
The procedure if something happens is simple:
- Call the assistance company on the number stated in your policy (it often operates around the clock, and sometimes has a Russian line).
- Describe the situation — they will suggest a clinic from the network and arrange payment.
- At the clinic, present your policy and passport.
There are two payment schemes: direct (the insurer pays the clinic directly) or reimbursement (you pay yourself, then get the money back against receipts). So keep all bills, receipts and medical reports.
If a life is at risk, first call the ambulance — 998, and only then sort things out with the insurer: emergency care will be provided in any case.
How Much a Policy Costs
The cost depends on the duration, age and coverage, but in the overall trip budget it is a small item — it is easy to set aside in advance along with the rest of your expenses (see the guide on budgeting a trip to Dubai). For comparison: without insurance, even a single appointment and tests at a private clinic can cost more than the policy itself — see the real figures in the guide on the cost of medical services.
It is worth arranging the policy as soon as you start planning your visa — then both entry and any unexpected situation in Dubai will not be a problem.
