Are you an expat based in or moving to the UAE?
Simplifying Health Insurance Access in Dubai and the Northern Emirates for Expats
We offer comprehensive private medical insurance in Dubai and the Northern Emirates, providing access to the best hospitals locally or back home.
Our expat healthcare plans fully comply with Dubai Health Authority (DHA) requirements for visa applications, making your move to the UAE smoother.
Coverage includes a wide range of in-patient, day-care, out-patient and dental treatments. You can also enhance your plan with an enhanced maternity cover to complement the maternity cover already included within your core plan.
The expatriate health insurance
cover includes:
Doctor visits
Hospitalization
Vaccinations
Surgeries
Diagnostic tests
Prescribed drugs
Cancer treatment
Evacuations and Repatriations
International Health Insurance Services included with your cover
You have access to a range of services gathered in one convenient hub to help protect you and your family from preventable health risks. Our services include Telehealth, Expat assistance programme, Mental health app, Fitness coaching App, Nutrition Hub, Travel Security and more.
The ratings provided are based on recent reviews from individuals who utilise the same type of device as you. Please note that these ratings may not reflect the experiences of all users and are subject to change over time. Individual experiences may vary.
Build your plan for private health insurance for Dubai and the Northern Emirates
Together with our partners, we've carefully crafted a selection of plans designed especially for Dubai and the Northern Emirates, drawing on our many years of expertise in international health insurance in the UAE.
Step 1:
Choose your Core plan
Our core plan options include a comprehensive selection of in-patient benefits, day-care and out-patient benefits such as hospital accommodation, surgery, medical evacuation and much more.
All our core plans include a selection of Global Health Services that aim to improve the quality of your life.
Step 2:
Step 3:
Choose your area of cover: Worldwide or Worldwide excluding USA.
Worldwide provides cover anywhere in the world (this area of cover can only be selected with the Sphera Signature Core Plan).
It is a good idea to select an area where you normally travel to or are based for work purposes. Terms and conditions and regulatory restrictions apply.
Step 4:
Choose your medical network.
We offer a choice of medical networks you can select depending on your requirements:
- Comprehensive Network: includes all medical providers in our UAE network.
- General Plus Network: excludes premium healthcare providers (American Hospital Group, Mediclinic Group, Cleveland Clinic Abu Dhabi, King's College Hospital, and Dr. Sulaiman Al Habib).
- General Network: features additional exclusions of high-cost providers beyond those excluded from Comprehensive and General Plus networks.
- Restricted Enhanced Network: includes selected cost-effective providers delivering a complete range of medical services throughout the UAE.
Sphera
Essence
Our essential cover
A selection of benefits for key medical needs, including in-patient, oncology, nursing at home, rehabilitation treatment, health and wellbeing checks, routine maternity, vaccinations, and emergency medical evacuation.
Max. Plan Limit:
US$ 250,000
Sphera
Base
Broader cover for a more holistic cover
All the benefits included under Sphera Essence, plus others including cover for congenital conditions, preventive surgery, homeopathy, Chinese herbal medicine, acupuncture, ayurvedic treatment, chiropractic treatment, osteopathy, podiatry, HRT and annual eye exams.
Max. Plan Limit:
US$ 1,000,000
Sphera
Enhanced
Comprehensive cover with additional benefits and higher limits
All the benefits included under Sphera Base, plus others including non-prescribed physiotherapy, sleep apnea and dietician fees.
Max. Plan Limit:
US$ 2,000,000
Sphera
Signature
Our highest level of
cover
cover
All the benefits included under Sphera Enhanced with higher limits, plus no co-payment for treatments received outside of our network in the UAE.
Max. Plan Limit:
US$ 5,000,000
Planning to grow your family? Upgrade to Sphera Enhanced Maternity
Get the comprehensive coverage you deserve:
Enhanced routine maternity care
Higher limits for prenatal, delivery, and postnatal care
Newborn care
Includes elective circumcision for males
Complications coverage
Full protection for pregnancy and childbirth complications
Choose the Medical Network That Best Suits Your Needs
We offer flexible network options to match your healthcare preferences and budget:
 |
Comprehensive Network |
Full access to all providers
Complete freedom to visit any medical facility within our UAE provider network, including all premium hospitals and clinics.
 |
General Plus Network |
Extensive choice with value pricing
Access to our full network excluding premium providers: American Hospital Group, Mediclinic Group, Cleveland Clinic Abu Dhabi, King's College Hospital, and Dr. Sulaiman Al Habib.
 |
General Network |
Quality care at competitive rates
Excludes premium and select high-cost providers beyond those excluded from our General Plus network, while maintaining access to quality healthcare facilities across the UAE.
 |
Restricted Enhanced Network |
Cost-effective comprehensive care
Carefully selected providers offering a complete range of medical services throughout the UAE at the best value.
Need help choosing?
Talk to the experts! If you have any questions, or if you're not sure which plan best suits your needs, our sales team would be delighted to guide you through your choices. They can also provide the complete list of providers available under each network option.
Want to know more about Healthcare in Dubai and the UAE?
Let's talk
If you have a question, would like to learn more, or if you just want to chat through your options, our international health team are here to help.
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Why choose us as your partner for private health insurance in Dubai and the Northern Emirates?
Flexibility
Choose what you want to be covered for and by how much, depending on your needs and budget.
Worldwide reach
Network of over 2 million quality medical providers, settling medical bills directly with the provider for most in-patient treatments.
Innovative Digital App
Our Lumi app transforms how you access healthcare. Connect with doctors 24/7 via teleconsultation or chat, book appointments, view prescriptions and lab results, arrange medication delivery, and access digital sick leave certificates and e-referrals. With our smart symptom checker and wellness tools, managing your health has never been easier.
Local teams
You will have access to local support via a Dubai-based operational and sales support office. This local office provides Helpline, client services, claims and medical services support, so you can be reassured that there’s a helping hand nearby.
Frequently Asked Questions
Find the answers to our most commonly asked questions about the nature of our cover and how we protect members globally.
Yes, you can get international health Insurance with worldwide coverage. Our plans are designed to cover you whether you're living abroad, traveling frequently, or relocating to multiple countries. For most plans you can choose coverage that includes or excludes the USA, depending on your needs and budget.
*Our policies don’t provide any cover or benefit for any business or activity to the extent that either the cover or benefit or the underlying business or activity would violate any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations.
Expats professionals can access healthcare either through the public healthcare system (if eligible) or by purchasing private international health insurance. Many expats opt for private insurance to avoid long wait times and to ensure that they have access to healthcare in their host country but also in their home country.
You can choose to pay your premiums annually, half-yearly, quarterly or monthly by direct debit card. You can also pay by bank transfer, but monthly payments won’t be available if you choose this payment method. Payments are subject to the following administration surcharges: 0% for annual payment, 3% for half-yearly payments, 4% for quarterly payments and 5% for monthly payments.
The payment frequency and methods stated above do not apply to some specialised or regional plans. Please refer to your policy documents to check the payment methods and frequency available to you.
This means that we will cover you on an emergency basis if you are on a short-term visit outside your region of cover. For example, if you are on holiday in a country outside your chosen area of cover, but have purchased a plan that does not include that country - There is usually cover for emergencies in that country for a limited amount of time. Please refer to your chosen plan's Table of Benefits and Benefit Guide for general terms & conditions.
Already a member?
Did you know that we have a support page for members in the UAE with all you need to know to make the most of your cover.
Certain services that may be included in your plan are provided by third party providers. If included in your plan, these services will show in your Table of Benefits. These services are made available to you subject to your acceptance of your policy’s terms and conditions, as well as the service’s terms and conditions as set out by the relevant third party service provider. By accepting the third party service providers’ terms and conditions, you enter a separate contractual relationship directly with them. Their services may be subject to geographical restrictions. Full details of the third party service providers’ terms and conditions are available in their websites and in the relevant application and/or platform where services may be hosted. The third party service providers are independent data controllers, and we recommend that you review their privacy notices to understand how they process your personal data. The third party service providers offer non-insurance services that are not intended to be a substitute for in-person medical consultations, diagnosis, treatment, assessment or care. You understand and agree that the insurer, its reinsurer and their administrators are not responsible or liable for any claim, loss or damage, directly or indirectly resulting from your use of any of these third party services.