Health insurance is one of the first things that will come to your mind as an international student coming to the United Arab Emirates (UAE). It is a clever protection of your health, but in a lot of the emirates, and particularly in Dubai, it is a mandatory visa and university registration (Pacific Prime). In its absence, you may have your residence permission withheld or even rejected.
UAE has a developed health care system that has international hospitals and clinics. The treatment costs however are high. Even a basic visit to the doctor may cost about AED 200500 (USD 55135), and a hospital hospitalization or surgery can take thousands of dirhams. Insurance is your safety against any financial shocks.
But not all plans are equal. Certain insurance companies focus on low prices. Others are oriented at high-quality international coverage. Your needs as a student are different: you do not want a corporate executive plan price at a discount, but the full coverage.
The current blog will examine the main factors that you need to consider when choosing a student health insurance program in the UAE and present you with the 10 most recommended providers to students and expatriates alike. First, what should be looked into.
Key Criteria to Evaluate Health Insurance Plans
Choosing health insurance is not just about the cheapest premium. You’ll need to carefully review the benefits, networks, and compliance requirements. Below are the main criteria international students in the UAE should consider:
| Criterion | Why it matters for a student |
| DHA / Local Regulatory Compliance | Your plan must satisfy the mandatory insurance rules in your emirate (e.g., Dubai Health Authority requires coverage for student visas). |
| Inpatient + Outpatient Coverage | You’ll need both hospital coverage (inpatient) and everyday care (outpatient). Skipping outpatient can leave you exposed to everyday costs. |
| Network of Hospitals/Clinics | Wide coverage ensures you can visit reputable hospitals near your university without big out-of-pocket expenses. |
| Annual Limit, Deductibles, Co-Insurance | Higher annual limits mean stronger protection. Lower deductibles and co-insurance reduce surprise bills. |
| International Coverage / Portability | Plans with travel coverage are useful for students who fly home or travel regionally. |
| Extra Benefits | Look for dental, vision, maternity (if relevant), mental health, and medical evacuation. |
| Ease of Claims & Digital Tools | Mobile claim apps, cashless treatment, and English-speaking support are crucial for students. |
Now that we know what to check, let’s explore the Top 10 insurance providers for students in the UAE.
1. Allianz Care – International Student Health Insurance
Allianz Care is one of the most trusted names in international student insurance. Their plans are specifically designed for expatriates, making them highly relevant for UAE students.
- Coverage: Offers comprehensive inpatient and outpatient benefits. You can add dental, maternity, or optical care.
- Networks: Allianz’s global network includes many premium hospitals in Abu Dhabi, Dubai, and Sharjah.
- Why it’s good for students: Allianz’s student plans are flexible, letting you adjust coverage modules to fit budget and visa needs.
Students who want both affordability and international protection often lean toward Allianz. It’s a “safe bet” for those planning to travel beyond the UAE during breaks.
2. Cigna Global – Healthguard & Student Options
Cigna is a global giant in health insurance with strong local presence. Its “Healthguard” plan, tailored for UAE residents, is a popular choice among expats and students.
- Coverage: High annual limits (up to several million USD), outpatient care, preventive screenings, and mental health benefits.
- Networks: Access to over 3,000 providers in the UAE.
- Why it’s good for students: Cigna offers modular benefits, allowing students to choose essentials while keeping costs down.
Students who value mental health support and preventive care should consider Cigna, as it goes beyond basic hospitalization.
3. Now Health International
Now Health is known for its digital-first approach. Students can benefit from fast claims processing and easy-to-use apps.
- Coverage: Comprehensive inpatient care with options for outpatient, dental, and evacuation.
- Networks: Partnerships with top hospitals across UAE.
- Why it’s good for students: Their “WorldCare Essential” plan offers strong UAE coverage at more affordable rates than some premium competitors.
If you like quick, hassle-free online management, Now Health can be a perfect fit.
4. Daman – National Health Insurance Company
Daman is the UAE’s largest health insurer and a trusted choice, especially for Abu Dhabi. It is government-affiliated and widely recognized by hospitals.
- Coverage: Offers various tiers of cover, from essential to comprehensive.
- Networks: Excellent hospital access, particularly in Abu Dhabi and Al Ain.
- Why it’s good for students: It’s highly cost-effective and directly recognized by local regulators.
For students studying in Abu Dhabi universities, Daman is often the default recommendation.
5. AXA Gulf / GIG Gulf
AXA Gulf (rebranded under GIG Gulf) remains a top-tier insurer in the UAE.
- Coverage: Strong inpatient and outpatient benefits, plus optional worldwide coverage.
- Networks: Ties with private hospitals in Dubai, Sharjah, and across UAE.
- Why it’s good for students: AXA has affordable “Essential” plans that meet visa requirements while offering wider benefits than basic plans.
Students who want a reputable international brand with local compliance often choose AXA/GIG.
6. Oman Insurance / Sukoon Insurance
Recently rebranded as Sukoon Insurance, Oman Insurance is one of the UAE’s leading local insurers.
- Coverage: Strong health packages with inpatient and outpatient care.
- Networks: Partnerships with international insurers for broader reach.
- Why it’s good for students: Known for affordability and tailored plans for younger demographics.
If cost is your priority, Sukoon is a strong local option.
7. Orient Insurance
Part of the Al-Futtaim group, Orient Insurance is another large UAE insurer.
- Coverage: Offers standard and enhanced health plans.
- Networks: Wide recognition across UAE hospitals.
- Why it’s good for students: Affordable entry-level plans that meet visa needs.
If you want a simple, locally trusted plan, Orient is worth considering.
8. Alliance Insurance PSC
Alliance Insurance, headquartered in Dubai, is one of the longest-standing insurers in the UAE.
- Coverage: Comprehensive medical insurance, including critical illness and maternity add-ons.
- Networks: Access to both public and private hospitals.
- Why it’s good for students: Flexible tiers make it easier to balance cost and benefits.
Students looking for customizable coverage may find Alliance a practical fit.
9. Bupa Global
Bupa Global is a premium choice, often chosen by students with higher budgets or sponsored by wealthy families.
- Coverage: Top-tier global coverage, high annual limits, mental health, dental, and evacuation.
- Networks: Global reach plus premium UAE hospitals.
- Why it’s good for students: It’s costly but provides peace of mind with worldwide protection.
Bupa is ideal for students who travel often and want uninterrupted access to world-class care.
👉 Bupa UAE
10. National Life & General Insurance (NLGIC)
National Life & General (NLGIC) is a regional insurer operating across GCC countries.
- Coverage: Offers standard health benefits and group coverage.
- Networks: Recognized hospitals in Dubai, Sharjah, and Abu Dhabi.
- Why it’s good for students: A budget-friendly option that still meets basic visa compliance.
This is a solid choice for students seeking value for money without excessive extras.
Tips and Cautions for International Students
Before you sign up, keep these important tips in mind:
- Check your university’s rules – Some universities partner with insurers and may automatically enroll you. Others allow you to buy your own.
- Confirm network hospitals near campus – A plan might be UAE-wide but may not cover the nearest clinic.
- Understand waiting periods – Dental and maternity coverage often have waiting times before you can claim.
- Get multiple quotes – Prices can differ significantly based on age, emirate, and plan design.
- Evaluate add-ons – If you need mental health counseling, optical care, or repatriation, ensure it’s included.
- Portability – Plans with international coverage are useful if you plan to fly home or travel during your studies.
Pro Tips:
International students in the UAE do not need health insurance as a formality; it is also a necessity. The healthcare in the country is both developed but costly. The right plan will make sure you remain within the visa regulations and safe regarding your finances and health.
Students have a vast selection between local and international companies, such as Daman, Orient, and Sukoon as well as Allianz, Cigna, and Bupa. The correct plan will be based on your funds, university needs and your health needs.
Compare and ask questions and never forget to read the fine print. It is worth the effort of your health – and peace of mind.
References :
- Allianz Care. (n.d.). International student health insurance. Allianz Care. https://www.allianzcare.com/en/personal-international-health-insurance/who-we-help/students.html
- Cigna Global. (n.d.). International health insurance in the UAE & Dubai. Cigna Global. https://www.cignaglobal.com/where-we-cover/united-arab-emirates
- Emirates Online. (2025). Comprehensive guide to health insurance companies in the UAE. Emirates Online. https://www.emirates-online.net/English/health-insurance-companies/
- Now Health International. (n.d.). International health insurance for individuals & families in UAE. Now Health. https://www.now-health.com/en/countries-we-cover/united-arab-emirates/
- Pacific Prime. (2025). Student health insurance in Dubai: What international students need. Pacific Prime. https://www.pacificprime.com/blog/dubai-student-health-insurance.html
- Sukoon Insurance. (2025). Sukoon Insurance. In Wikipedia. https://en.wikipedia.org/wiki/Sukoon_Insurance
- Wikipedia. (2025). National Life & General Insurance. In Wikipedia. https://en.wikipedia.org/wiki/National_Life_%26_General
