Health insurance is mandatory for all Dubai residents, including workers. But if you’re a low-income employee or domestic worker, affordable insurance options are available that meet Dubai Health Authority (DHA) requirements while keeping costs low. Here are the top 3 low-cost health insurance plans for workers in Dubai in 2025.
Daman Basic Plan (Enaya for Workers)
Daman, a leading government-affiliated insurer, offers the Enaya Basic Plan under the EBP structure. This plan is ideal for Low-income expatriate employees, Domestic helpers, Contract workers without dependents. You may visit www.damanhealth.ae for detailed information of the insurance.
What does the Daman Basic Plan covers?
- DHA-approved hospitals and clinics
- Telemedicine access
- Low co-pay on medicine and outpatient visits
- Multilingual support services
- Covers inpatient/outpatient, emergencies, and maternity
What will be Premium costs for the insurances?
- Annual premium: Around AED 550–650
Contact for anu queries
- Call: 600532626 (Local) or +97126149555 (International)
- Email: customerinfo@damanhealth.ae
Takaful Emarat – Basic Worker Health Insurance
Takaful Emarat provides low-cost, Shariah-compliant medical coverage for employers and sponsors of laborers. It was design & promote Takaful products based on emerging needs and modern approach. It enhanced individual medical insurance which offers higher benefits and extended geographical coverage worldwide
What does the plan covers in Takaful Emarat for Workers?
- Emergency and hospitalization
- GP consultations
- Lab tests, diagnostics, and X-rays
- Maternity care (for eligible female workers)
What will be Premium costs for the insurances?
- Annual premium: AED 600–750/year
- Extra benefit: Islamic insurance model with optional family add-ons
Essential Benefits Plan (EBP) – Offered by Multiple Insurers
The Essential Benefits Plan or EBP for short is the minimal level of health insurance cover that residents of Dubai are required to meet or exceed under Dubai law. It is the DHA-regulated minimum coverage package designed for Domestic workers, laborers, drivers, and dependents of low-income sponsors.
Workers earning AED 4,000 or less/month
EBP Coverage includes:
- Outpatient and inpatient care
- Emergency services
- Basic maternity and newborn care
- Medication and referral services
How much does the EBP cost?
- The Essential Benefits Plan has a fixed cost of between AED 550 and AED 650 per year.
Where you can get EBP benefits?
- EBP available from: Orient Insurance, Daman (Enaya), AXA, Sukoon, and others.
Important notes to be followed by the Workers & Sponsors
- Ensure that your insurance is DHA-approved
- Employers must pay for their workers’ insurance under Dubai law
- Carry your Emirates ID and health card or e-insurance certificate
- Ask your employer or PRO for policy documents and coverage details.
[yasr_visitor_votes]