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The Growing Need for Individual Health Insurance: A UAE Perspective for 2025
July 29, 2025
10:17 AM
The Growing Need for Individual Health Insurance: A UAE Perspective for 2025
There is no doubt that the UAE is one of the top destinations for migrants and expatriates to live in. Especially when it comes to healthcare, UAE is consistently ranked in the top 30 globally. Let’s indulge in the blog to learn more about the importance of healthcare in the UAE, especially in 2025.
Why the Demand for Individual Health Insurance is Growing in 2025
More Awareness of Medical Costs
People are increasingly aware of healthcare costs and believe they must pay more for even basic medical services. An individual healthcare policy would cover a wide range of treatments and help by avoiding longer waiting times.
Growing Expat Population
As of 2025, expatriates make up about 88% of the UAE’s population. Therefore, it is better for expats to get individual health insurance for their needs. Also, freelancers, entrepreneurs and people without a company funding could use this policy.
Post-COVID Health Consciousness
The COVID-19 pandemic has significantly altered the global landscape. However, people have become more aware of how sudden and serious health emergencies can be. Therefore, it’s always best to be financially and medically prepared.
Digital Insurance Ecosystem
The rise of online insurance service providers and the ease of getting insurance have greatly influenced people to take individual healthcare plans. It means that the process becomes so easy, people don’t have to wait to choose the right option for their needs.
Types of individual health insurance in UAE
- Basic or EHB (Essential Health Benefits): Covers general consultations, emergency services, diagnostics and limited medications, but it excludes maternity care (case by case), dental services, and global coverage.
- Comprehensive plan: These plans include a wider hospital network, higher coverage limits, outpatient visits without referrals, and access across emirates. It is suitable for individuals or families who need more than just the essentials.
- Top-up plans: These are add-on plans that enhance the existing plan.
Final Words
Health insurance is no longer an option, it’s essential. Life is unpredictable, and medical emergencies can happen without warning. Therefore, even though our life does not come with a manual, it’s always better to be safe than to be sorry.
Get yourself insured through CoverB, a trusted digital insurance advisory platform that offers tailored insurance policies. By answering a few questions on our website, you’ll receive a personalized plan tailored to your budget and health needs.
