Moving to Dubai is an exciting adventure, but one of the most important steps for expats is securing reliable health insurance. With world-class healthcare facilities and a diverse expat community, Dubai offers plenty of options. But navigating them can be overwhelming, especially for newcomers from the US or UK. To help, we’ve compiled a list of the 10 best insurance providers in Dubai for expats, drawing on insights from our friends at Pacific Prime, who specialize in guiding expats through the complexities of international health insurance.
1. AXA Gulf
AXA is a global leader in insurance, and its Gulf division is one of the most trusted providers in Dubai. Expats appreciate AXA’s wide hospital network, flexible plans, and strong reputation for customer service. Their international coverage options are particularly appealing for expats who travel frequently.
2. Cigna Middle East
Cigna is well-known among expats worldwide, and in Dubai, it offers comprehensive health insurance tailored to international lifestyles. With 24/7 multilingual support and access to a global network of doctors, Cigna is a top choice for expats seeking peace of mind abroad.
3. Allianz Care
Allianz Care specializes in international health insurance, making it a natural fit for expats. Their plans include preventive care, maternity coverage, and mental health support. Allianz’s reputation for reliability and global reach makes it a strong contender for expats who want seamless coverage.
4. Bupa Global
Bupa is a household name in the UK, and its global division extends that trust to expats in Dubai. Bupa Global offers premium plans with extensive benefits, including worldwide coverage and access to top-tier hospitals. For Brits moving to Dubai, Bupa often feels like a familiar and dependable choice.
5. MetLife Gulf
MetLife has a long history in the insurance industry and offers a range of health and life insurance products in Dubai. Expats value MetLife’s affordability and flexible plan options, which make it easier to tailor coverage to individual needs.
6. Now Health International
Now Health focuses on expats and international citizens, offering straightforward plans with digital-first services. Their emphasis on fast claims processing and user-friendly online tools appeals to younger expats and professionals who want efficiency and transparency.
7. Orient Insurance
Orient Insurance, part of the Al-Futtaim Group, is a leading local provider with strong ties to Dubai’s healthcare system. Expats benefit from their competitive pricing and wide hospital network, making Orient a practical choice for those seeking local expertise.
8. Salama | April International Dubai
Salama, in partnership with April International, provides tailored health insurance solutions for expats in Dubai. Their plans combine local expertise with international support, offering flexibility, affordability, and access to a wide medical network. Expats appreciate their customer-foused approach and the balance between regional compliance and global coverage.
9. Dubai Insurance Company
As one of the oldest insurers in the UAE, Dubai Insurance Company offers stability and local knowledge. Expats appreciate their straightforward policies and strong customer support, making them a reliable option for those new to the region.
10. SAICO Health
SAICO Health provides affordable and flexible health insurance plans tailored to expats in Dubai. Their focus on accessibility and customer service makes them a good fit for newcomers who want dependable coverage without breaking the bank.
Choosing the Right Provider
Selecting the right insurance provider depends on your lifestyle, budget, and healthcare needs. Americans may prefer providers like Salama or Cigna for familiarity, while Brits often lean toward Bupa or Allianz. Local providers such as Orient and Dubai Insurance Company offer competitive options with strong regional expertise.
It’s also important to note that Dubai requires all residents to hold a health insurance plan that’s compliant with the Dubai Health Authority as part of the visa process. This means expats must either be covered under a company-sponsored plan or secure coverage through an on-shore broker.
Final Thoughts
Health insurance is not just a requirement in Dubai, but it’s also a safeguard for your wellbeing and peace of mind. With so many reputable providers available, expats can feel confident knowing they’ll have access to quality healthcare. Whether you’re moving from London, New York, or anywhere in between, securing the right health insurance is one of the smartest steps you can take as you begin your new life in Dubai.
For more insurance help, contact Pacific Prime today!
