
UAE Health Insurance Market Research Report: Forecast (2025-2030)
UAE Health Insurance Market Report - By Product Type (Individual, Group), By Service Providers (Public, Private), By Distribution Channel (Agent, Banks, Online) and Others... Read more
- Healthcare
- Jan 2025
- 121
- PDF, Excel, PPT
Market Insights & Analysis: UAE Health Insurance Market (2025-30):
The UAE Health Insurance Market size was valued at around USD 8.7 billion in 2024 and is projected to reach USD 12.7 billion by 2030. Along with this, the market is estimated to grow at a CAGR of around 6.5% during the forecast period, i.e., 2025-30. Rapid expansion afflicts the market for health insurance in the UAE mostly due to shifting consumer demands, new technology adoption, and government regulations. The increasing demand for private health insurance is fueled by the country's growing population of expatriates who account for close to 88% of its total population.
Report Coverage | Details |
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Historical Years | 2020-23 |
Base Years
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2024
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Forecast Years
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2025-30
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Market Value in 2024 | USD 8.7 Billion |
Market Value in 2030 | USD 12.7 Billion |
CAGR (2025-30) | 6.5% |
Top Key Players | AXA Gulf Insurance, DAMAN Health Insurance, Emirates Insurance Company, Abu Dhabi National Insurance Company, Ras Al Khaimah National Insurance Company, Dubai Islamic Insurance and Reinsurance Co, Oman Insurance Company, Alliance Insurance, Orient Insurance, Islamic Arab Insurance Company, Al Ain Al Ahilia Insurance Company, Al Buhaira National Insurance Company, and others |
Key Report Highlights |
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Residents are compelled to choose comprehensive insurance plans that offer extensive coverage due to rising healthcare costs exceeding USD 22 billion in 2024 in the UAE. Additionally, insurers are creating policies specifically designed for senior citizens and families in response to shifting demographics meeting the healthcare requirements of an aging population and dependents. In places like; Abu Dhabi and Dubai, the government requires coverage for foreigners and their dependents so employer-sponsored health insurance continues to dominate. As technology advances, the industry changes, and Artificial Intelligence (AI) is increasingly being utilized for transactions like; claims processing and fraud detection to achieve efficiency in the overall processing and increase transparency. AI adoption in health insurance can greatly increase customer satisfaction reducing processing time by 70% and cutting claim handling costs by almost 30%.
Moreover, value-added services' increasing popularity helps the market as well. Insurance plans are increasingly including wellness initiatives, fitness memberships, and mental health coverage as standard features reflecting a greater emphasis on overall health. To meet the needs of multicultural families in the United Arab Emirates, the trend toward family-centric and group health insurance packages is gaining traction. Furthermore, health insurance plans that are in line with medical tourism initiatives benefit both insured residents and visiting patients as the UAE's healthcare system draws in patients from abroad. All these elements make the UAE Health Insurance Market a flexible and dynamic sector with room to grow.

UAE Health Insurance Market Driver:
Increasing Prevalence of Lifestyle-Related Diseases – The steady increase in the prevalence of lifestyle diseases such as; diabetes, hypertension, and other cardiovascular diseases, is one of the key factors supporting the UAE Health Insurance Market. The UAE has a high prevalence of diabetes, with more than 1 million people living with it. Additionally, unhealthy eating habits, stress, physical inactivity, and poor lifestyle choices constitute the major causes of hypertension, which affects roughly 30% of adults. The continuous and costly medical care that many chronic conditions require has pressed residents to look for comprehensive health insurance covering such procedures as expensive therapies, drugs, and routine checkups. Chronic diseases account for approximately 60% of healthcare, insurers offer custom-designed policies to provide unique needs that propel further market development considering the burden in the United Arab Emirates.
UAE Health Insurance Market Growth Opportunity:
Mandatory Health Insurance Policies Introduced by the Government – With the UAE government making it mandatory for individuals to acquire health insurance, the health insurance market sees a lot of significant opportunities. Laws such as Health Insurance Law No. 11 of 2013 in Dubai and Thiqa in Abu Dhabi have guaranteed health coverage to all citizens of that country and foreigners. The employers in Dubai have a legal obligation to cover health for their staff with dependents covered under family or individual policies. The insured population has grown dramatically as a result of this regulation, Dubai had achieved nearly 100% compliance in 2024. Insurance companies are taking advantage of this by providing senior citizens, families, and expatriates with specialized plans. A strong framework for long-term market growth is offered by these regulations.
UAE Health Insurance Market Challenge:
Increasing Instances of Insurance Fraud Affecting Industry's Integrity – One of the major obstacles for the health insurance market in the UAE is the increase in fraudulent insurance claims, which have led to the market's low integrity. Fraudulent in both public and private hospitals include making bills where no service was ever provided, faking the patient data, and inflating the medical bills. At these hospitals, the country's bigger dimension of the public and private health insurers is found encountering a massive financial burden due to those frauds. In the year 2021, healthcare fraud will cost the country between 5 to 10% of the total healthcare budget, leaving a figure going into billions of dirhams every year. It is an added burden on the already stretched healthcare systems because profiles for honest policyholders have to be increased, and profitability in insurers is reduced.
UAE Health Insurance Market Trend:
Increasing Collaborations & Partnerships Among Companies – Company partnerships and collaborations are a major trend in the UAE Health Insurance Market due to the need for innovation and broader service offerings. To improve customer experiences and operational efficiency top insurers are collaborating with wellness organizations tech companies and healthcare providers. For instance,
- In November 2024, Dubai Insurance and Aster DM Healthcare announced they would collaborate to introduce Vibrance Senior, the first senior health insurance in the UAE specifically for the fragile healthcare needs of senior residents in the United Arab Emirates.
Advanced tools like artificial intelligence (AI) are being integrated for fraud detection and claims processing due to strategic partnerships with tech companies. Also, value-added services like nutrition, counseling mental health support, and fitness memberships have been made available through partnerships with wellness companies. These programs increase patient satisfaction and encourage innovation which lowers costs and increases access to healthcare in the area.
UAE Health Insurance Market (2025-30): Segmentation Analysis
The UAE Health Insurance Market study of MarkNtel Advisors evaluates & highlights the major trends and influencing factors in each segment. It includes predictions for the period 2025–2030 at the national level. Based on the analysis, the market has been further classified as:
Based on the Service Providers:
- Public
- Private
With roughly 65% market share, the private sector leading the UAE Health Insurance Market. As expatriates make up almost 88% of the UAE population, so there is a significant need for comprehensive and specialized healthcare services. Customized plans like maternity, dental, and chronic illness coverage are frequently lacking in public insurance programs but private insurers meet the various needs of foreign nationals. Its affiliations with upscale clinics and hospitals which give policyholders access to cutting-edge medical technology and reduced wait times further contribute to the private sector's prominence. The expansion of private insurance companies has been stimulated by the implementation of mandatory health insurance laws such as the Dubai Health Insurance Law. Furthermore, employers and individuals are choosing private health insurance solidifying its market dominance.
Based on Product Type:
- Individual
- Group
About 70% market share is held by the group segment that dominates the UAE Health Insurance Market. The country’s sizable expat population and the obligatory health insurance plans for workers and their dependents which are in place in Dubai and Abu Dhabi are the main causes of this dominance. Group insurance plans are becoming increasingly popular because employers are being forced to offer full health coverage. The ability to modify policies to organizational requirements also contributes to the segment's growth & expansion. Further supporting the group's segment dominance in the UAE health insurance market is the growing number of corporate wellness initiatives and business-insurance partnerships that incorporate value-added services like fitness memberships and mental health benefits.
UAE Health Insurance Industry Recent Development:
- December 2024: The UAE's Ministry of Human Resources and Emiratisation (MoHRE) launched an affordable health insurance package for private sector employees and domestic workers, ensuring comprehensive coverage across the UAE, starting January 1, 2025.
- April 2024: AXA and Daman partnered to launch a new Global Healthcare Plan, offering enhanced health benefits and international services to UAE residents, expanding global reach, and improving healthcare access.
Gain a Competitive Edge with Our UAE Health Insurance Market Report
- The UAE Health Insurance Market Report by MarkNtel Advisors provides a detailed & thorough analysis of market size & market share, growth rate, competitive landscape, and key players. This comprehensive analysis helps businesses gain a holistic understanding of market dynamics & make informed decisions.
- This report also highlights current market trends & future projections, allowing businesses to identify emerging opportunities & potential challenges. By understanding market forecasts, companies can align their strategies & stay ahead of the competition.
- The UAE Health Insurance Market Report aids in assessing & mitigating risks associated with entering or operating in the market. By understanding market dynamics with the help of surveys, regulatory frameworks, and potential challenges, businesses can develop strategies to minimize risks & optimize their operations.
*Report s Delivery Format - Market research studies from MarkNtel Advisors are offered in PDF, Excel and PowerPoint formats. Within 24 hours of the payment being successfully received, the report will be sent to your email address.
Frequently Asked Questions
- Market Segmentation
- Research Methodology
- Product Definition
- Research Process
- Assumptions
- Executive Summary
- UAE Health Insurance Market Trends & Development
- UAE Health Insurance Market Industry Dynamics
- Drivers
- Challenges
- UAE Health Insurance Market Hotspot & Opportunities
- UAE Health Insurance Market Policies, Regulations, Product Standards
- UAE Health Insurance Market Outlook, 2020-2030F
- Market Size & Analysis
- By Revenues (USD Million)
- By Market Share & Analysis
- By Product Type
- Individual- Market Size & Forecast 2020-2030, USD Million
- Group - Market Size & Forecast 2020-2030, USD Million
- By Service Providers
- Public- Market Size & Forecast 2020-2030, USD Million
- Private- Market Size & Forecast 2020-2030, USD Million
- By Distribution Channel
- Agent - Market Size & Forecast 2020-2030, USD Million
- Banks - Market Size & Forecast 2020-2030, USD Million
- Online - Market Size & Forecast 2020-2030, USD Million
- Others - Market Size & Forecast 2020-2030, USD Million
- By Region
- Dubai
- Abu Dhabi
- Sharjah
- Northern Emirates
- By Company
- Competition Characteristics
- Company Share & Analysis
- By Product Type
- Market Size & Analysis
- UAE Individual Health Insurance Market Outlook, 2020-2030F
- Market Size & Analysis
- By Revenue (USD Million)
- Market Share & Analysis
- By Providers - Market Size & Forecast 2020-2030, USD Million
- By Distribution Channel - Market Size & Forecast 2020-2030, USD Million
- Market Size & Analysis
- UAE Group Health Insurance Market Outlook, 2020-2030F
- Market Size & Analysis
- By Revenue (USD Million)
- Market Share & Analysis
- By Providers - Market Size & Forecast 2020-2030, USD Million
- By Distribution Channel - Market Size & Forecast 2020-2030, USD Million
- Market Size & Analysis
- UAE Health Insurance Market Key Strategic Imperatives for Growth & Success
- Competitive Outlook
- Company Profiles
- AXA Gulf Insurance
- Business Description
- Product Portfolio
- Strategic Alliances or Partnerships
- Recent Developments
- Financial Details
- Others
- DAMAN Health Insurance
- Business Description
- Product Portfolio
- Strategic Alliances or Partnerships
- Recent Developments
- Financial Details
- Others
- Emirates Insurance Company
- Business Description
- Product Portfolio
- Strategic Alliances or Partnerships
- Recent Developments
- Financial Details
- Others
- Abu Dhabi National Insurance Company
- Business Description
- Product Portfolio
- Strategic Alliances or Partnerships
- Recent Developments
- Financial Details
- Others
- Ras Al Khaimah National Insurance Company
- Business Description
- Product Portfolio
- Strategic Alliances or Partnerships
- Recent Developments
- Financial Details
- Others
- Dubai Islamic Insurance and Reinsurance Co.
- Business Description
- Product Portfolio
- Strategic Alliances or Partnerships
- Recent Developments
- Financial Details
- Others
- Oman Insurance Company
- Business Description
- Product Portfolio
- Strategic Alliances or Partnerships
- Recent Developments
- Financial Details
- Others
- Alliance Insurance
- Business Description
- Product Portfolio
- Strategic Alliances or Partnerships
- Recent Developments
- Financial Details
- Others
- Orient Insurance
- Business Description
- Product Portfolio
- Strategic Alliances or Partnerships
- Recent Developments
- Financial Details
- Others
- Islamic Arab Insurance Company
- Business Description
- Product Portfolio
- Strategic Alliances or Partnerships
- Recent Developments
- Financial Details
- Others
- Al Ain Al Ahilia Insurance Company
- Business Description
- Product Portfolio
- Strategic Alliances or Partnerships
- Recent Developments
- Financial Details
- Others
- Al Buhaira National Insurance Company
- Business Description
- Product Portfolio
- Strategic Alliances or Partnerships
- Recent Developments
- Financial Details
- Others
- Others
- AXA Gulf Insurance
- Company Profiles
- Disclaimer
