Inbound Guest Medicals: Why $100k is the New Minimum

The Rising Cost of Care

Dubai has world class hospitals, but they are not cheap. In 2026, a single night in an Intensive Care Unit (ICU) can cost over AED 10,000. For a tour operator, ensuring your guests have enough medical cover is a legal and moral duty. This is a core part of your Tour Operators Liability insurance.

Why 2026 Rules Are Stricter

The UAE government now checks insurance limits more closely. A policy with a low limit (like $10,000) is no longer enough for high-risk tours. If a guest has a major heart attack or a serious accident, a low limit will be gone in hours. CoverB recommends a minimum of $100,000 (AED 367,000) in medical cover for every guest on your tours.

The “Direct Billing” Advantage

When an accident happens, your guests don’t want to pay cash and wait for a refund. They want “Direct Billing.” This means the hospital sends the bill directly to the insurance company. CoverB partners with insurers who have the largest hospital networks in the UAE. This keeps your guests happy and your agency out of financial trouble.

Better Protection with CoverB

At CoverB, we believe in “Safety First.” We help you find Tour Operators Liability insurance that offers the highest limits for the best price. Don’t risk your reputation on a cheap, low-limit policy. Visit https://coverb.ae/ to see the 2026 medical standards.