Health Insurance

Yes. As of January 1, 2025, all employers across all seven emirates — including Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah, and Fujairah — are legally required to provide and pay for health insurance for every employee. This is now a prerequisite for issuing or renewing residency permits.

The WIH basic package typically covers: Individuals aged 1 to 64, Emergency treatment, Chronic disease management, Inpatient & outpatient care with co-payments.

Yes. Most plans allow you to add your spouse and children as dependents under the same policy. Separate family floater plans are also available. Our team will help you choose the most cost-effective structure.

A deductible is the fixed amount you pay first before insurance kicks in. Co-insurance is the percentage of costs you share with the insurer after the deductible. These vary by plan — we will explain the details clearly before you purchase.

This depends on the insurer and plan. Many comprehensive plans cover pre-existing conditions after a waiting period. Some plans require medical underwriting. Our team will match you to the best plan for your health history.

Emergency treatment abroad is typically covered. Planned international treatment depends on your policy level. Premium plans often include a worldwide benefit. Ask our team about international coverage options.