How much of a medical bill will you pay?

On a basic plan you pay a share of most bills, often 20% to 30%, with a cap on hospital stays.

What do you pay on each basic plan?

Dubai, Essential Benefits Plan: what you pay.

Service	What you pay
Hospital stay	You pay 20%, up to AED 500 per encounter and AED 1,000 a year. Above those caps the insurer pays 100%.
Emergency	You pay 20% with the same AED 500 and AED 1,000 caps.
GP, specialist or consultant visit	You pay 20% per visit. A follow-up visit within seven days has no charge.
Laboratory tests and radiology	You pay 20%. Outside an emergency, an MRI, CT scan or endoscopy needs the insurer to approve it first.
Physiotherapy session	Up to 6 sessions a year. You pay 20% per session. The insurer must approve first.
Medicines	Up to AED 2,500 a year, including your share. You pay 30% of every prescription. Nothing is paid above the limit.
Maternity visit before the birth	You pay 10%. Covers 8 visits, a set list of first tests and 3 ultrasound scans.
Maternity, the birth	You pay 10%. Up to AED 10,000 for a normal delivery or a medically necessary caesarean. The limits include your share.
Mental health counselling	Up to AED 800 for outpatient counselling. You pay 30% per visit.
Dental	Up to AED 500 for the listed treatments. You pay 30% per visit.

Abu Dhabi, Basic plan: what you pay.

Service	What you pay
Hospital admission or day case	AED 200 per admission, up to AED 500 a year.
Diagnostics, laboratory tests and radiology	20%, up to AED 50 per visit.
Medicines	30%. The plan covers medicines up to AED 1,500 a year, and that figure includes your 30%.

Sharjah and the northern emirates, Basic plan: what you pay.

Service	What you pay
Hospital stay	20%, up to AED 500 per stay and AED 1,000 a year. The insurer pays 100% above that.
GP or specialist visit	25%, up to AED 100 per visit. Nothing for a follow-up within seven days for the same illness.
Laboratory tests and radiology	25%.
Physiotherapy session	25%. Up to 6 sessions a year, with prior approval.
Medicines	30%. Up to AED 1,500 a year, from a set list of medicines.
Emergency dental treatment	25%. Dental treatment is excluded except in a medical emergency.

GC 03/2024, Updated Table of Benefits for Essential Benefits PlanDubai Health Authority. Dated 23 July 2024. In force from 1 January 2025. Read 11 November 2026.
National Health Insurance Company (Daman) reveals key updates to Basic Health Insurance PlanAbu Dhabi Media Office. Published 31 May 2024. Changes in force from 1 July 2024. Read 11 November 2026.
Abu Dhabi Basic Health Insurance Plan FAQDaman. Undated page. Read 11 November 2026.
WHI Basic Plan, Table of Benefits and PremiumsWorkers Health Insurance. Undated. Issued by Dubai Insurance Company PJSC as manager of the Insurance Pool. Read 11 November 2026.