UAE Golden Visa: Which medical insurance schemes are popular amongst long-term residency holders? – News


Many expats search for international policies and go for a comprehensive cover

Published: Wed 27 Jul 2022, 6:13 PM

Last updated: Wed 27 Jul 2022, 9:50 PM

Golden Visa holders can go for basic insurance covers, with annual premiums ranging from lower than Dh1,000, industry executives have said.

Nonetheless, long-term residency holders are likely to search for international policies, customised plans and like to purchase separate medical insurance for themselves and their dependents relatively than as a part of their company’s package.

The National Health Insurance Company (Daman) became the primary company within the UAE to introduce a medical insurance package designed specifically for Golden Visa holders. The premium for Cover Silver starts from as little as Dh2,393 which provides a coverage limit of as much as Dh300,000. While Enhanced Gold starts from Dh4,985 with an annual limit of Dh2.5 million and Premier package starts from Dh39,857 with an annual limit of Dh20 million. The packages also provide 180-day coverage outside the UAE during holidays or business trips.

Roughly, over 65,000 people have received the Golden Visa in Dubai.

Hitesh Motwani

Hitesh Motwani

“Many Golden Visa holders go for a comprehensive cover which – depending on age, health aspects, hospitals/clinics covered – may range from Dh2,000 to Dh50,000 and also can transcend that in case of opposed health conditions declared prior to issuance of the policy. Nonetheless, if a Golden Visa holder wishes to go for a basic cover, there are alternatives starting under Dh1,000 as well,” says Hitesh Motwani, chief marketing officer at

Daman’s policy for Golden Visa is valid for one 12 months and will be renewed on a yearly basis.

Neeraj Gupta

Neeraj Gupta

Neeraj Gupta, CEO,, said expects by the top of 2022, more insurers would supply special medical insurance plans to Golden Visa holders.


Gupta said Golden Visa holders normally want fast comprehensive medical insurance plans for themselves and their members of the family, preferably at some discounted prices or added advantages.

“Golden Visa holders search for a more enhanced plan with added advantages like dental and optical treatment as well. Also, they appear for package deals which are valid each inside and out of doors the UAE,” he said, adding that they like to purchase separate packages of medical insurance for themselves and their dependents.

“They give the impression of being for out-patient advantages, long-term medications to be allotted for a maximum duration of the treatment, coverage for dental treatment as much as a certain extent, a canopy which geographically covers them worldwide, etc. Furthermore, the vast majority of them prefer to have customised plans as per their specific needs,” he said.


Hitesh Motwani said since Golden Visa holders are committed to live and work within the UAE for an extended period, they have an inclination to ask for high-end comprehensive insurance packages with higher annual limits on coverage.

“In addition they are likely to search for international policies normally with a worldwide cover as they have an inclination to travel more often. Typically, products of insurers like Aetna, Bupa and Cigna normally check all boxes for such clients as a few of their products cover direct billing even once they are abroad,” he said.


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