The UAE, Saudi Arabia, Qatar, Kuwait, Bahrain and Oman have some of the world's most modern medical facilities — and some of the most complex insurance requirements. Here is the complete guide.
Healthcare in the UAE: World Class, World Price
Hospitals in Dubai (American Hospital, Mediclinic City Hospital) and Abu Dhabi (Cleveland Clinic Abu Dhabi) are among the finest in the world. But treatment costs reflect this quality: a single emergency room visit USD 500-2,000, hospitalization USD 2,000-8,000 per night. Without insurance, these bills are your responsibility.
UAE Residence Visa Requires Insurance
All UAE work and residence visa holders must have valid health insurance. In Dubai, employers are legally required to provide insurance to employees. Dependents on family residence visas must also be insured. IATI annual plans satisfy the Dubai Health Authority (DHA) requirements for dependent coverage.
Tourist Visa and Insurance
Tourist visas for the UAE do not legally require insurance, but the UAE government strongly recommends it and some consulates verify coverage. Given healthcare costs, IATI is strongly recommended for all UAE visitors regardless of visa type.
Saudi Arabia: Work Visa and Hajj
Saudi work visa applications require health insurance documentation. All Hajj and Umrah pilgrims must carry valid travel insurance — this is enforced by the Ministry of Hajj. IATI satisfies all Saudi visa insurance requirements.
Qatar, Kuwait, Oman and Bahrain
Work and residence permits in all Gulf states require health insurance. Tourist visits: coverage is strongly recommended given costs. Qatar's mandatory insurance requirement during major international events (FIFA World Cup 2022 set the precedent) has influenced ongoing requirements. IATI covers all Gulf states under standard international plans.
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