Getting a health insurance policy in the Emirate of Abu Dhabi, the capital of the UAE, may seem daunting at first glance. However, we’ve crafted a concise yet comprehensive guide to walk you through the process and highlight crucial factors to consider. This blog is divided into three sections, each addressing different aspects of acquiring health insurance in Abu Dhabi:

1. Required Documents

When embarking on the journey to purchase a health insurance policy in Abu Dhabi, it’s essential to understand the documentation required. Depending on your circumstances, you’ll fall into one of the following categories:

Entering the UAE for the First Time:

• Evisa or Employment Evisa with the entry date stamp

• EID Application form

• Passport

Note: You have a time limit of 13 days from the entry stamp date to purchase health insurance to avoid incurring HAAD fines.

Existing Residents in the UAE with an AUH Visa:

• Visa Copy

• EID Copy

• Passport Copy

• Certificate of Continuity (COC) from your previous insurer issued within the last 30 days. The current insurer you are applying with will be able to receive it from your previous insurer through the Shafafiya portal

Note: You have a time limit of 30 days from the expiration of your last insurance policy to purchase a new one to avoid HAAD fines.

Existing Residents in the UAE with a Dubai or Northern Emirate Visa:

• Previous Visa cancellation paper of your Dubai/NE Visa

• Visa Status Change paper showing your transition from Dubai/NE to AUH

• New Evisa or Employment Evisa with the entry date stamp

• EID Application form

• Passport Copy

Returning Residents to the UAE:

• Previous Visa

• Previous Visa cancellation paper

• New Evisa or Employment Evisa with the entry date stamp

• EID Application form

• Passport Copy

Visa on Arrival Entrants:

• Evisa or Employment Evisa with the entry date stamp

• EID Application form

• Passport

• Entry stamp on the passport from immigration when arriving at the airport

2. HAAD Fines

The Health Authority of Abu Dhabi (HAAD) mandates health insurance coverage for all residents throughout the year. Failure to obtain insurance within the specified timelines results in fines. Fines will have to be paid after the insurance premium is paid so the insurer can release the policy documents. Fines can be paid through the TAMM portal.Here’s an overview:

• Principals (Employees and Family Sponsors): AED 300 for every month uninsured.

• Dependents (Children, Spouses, Parents): AED 100 for every month uninsured.

3. Golden Visa Holders

Golden Visa holders are not exempt from health insurance requirements. Purchasing a policy upon receiving the golden visa is crucial to avoid HAAD fines. The same fine structure applies.

Navigating health insurance in Abu Dhabi requires attention to detail and adherence to regulations set by the Health Authority of Abu Dhabi. By understanding the required documents and potential fines, you can ensure compliance and peace of mind regarding your healthcare coverage.