Healthcare cost estimator
Pick the emirate, the kind of visit and your insurance, and see what you would pay per visit and over a year. Co-pays and caps come from the official benefit tables; prices come from official fee lists or the clinic's own quote.
Last checked: 27 Oct 2026
Ask the clinic for the price before treatment and type it here. If you got two quotes, type the lowest and the highest.
Leave a box empty if your plan has no such cap or limit. Your policy's table of benefits has the real figures for your plan.
Runs on your phone. Nothing is uploaded or saved.
Before you go
- Ask for the price before treatment, and for a written estimate for tests, scans or a birth. Private clinics set their own prices, so the same test can cost very different amounts.
- Emergency care cannot be refused. The federal Medical Liability law bars doctors from refusing to treat emergency cases, and Abu Dhabi and Dubai require facilities to treat emergencies whatever your insurance status. In an emergency call 998.
- Check your network. Insurance cards list where you are covered; outside the network you may pay the full price and claim back only part of it, or nothing.
- Follow-ups within 7 days: on Dubai's Essential Benefits Plan and on the national basic plan for the other emirates, a follow-up visit for the same condition within 7 days has no co-pay.
- Your employer pays for the basic plan. In Dubai the rules say premiums must not be taken from your salary, and MoHRE says employers pay the national basic plan when issuing or renewing the residence permit.
- Keep receipts and the claim form. Ask the insurer in writing if a claim is refused.
An estimate only: not medical or financial advice. Your policy, the clinic's bill and your insurer decide what you actually pay. Where we found no official figure, the tool says "check with your insurer / the authority" instead of guessing.
How the estimate works
Your share of each bill, as a percentage. 20% of a 200 AED visit is 40 AED.
Some plans stop your share at a set amount per visit or per year. Above the cap, the insurer pays the rest.
Some benefits only go up to a set amount a year, for example dental. Above the limit, you pay the whole bill.
Abu Dhabi's Department of Health sets a Mandatory Tariff. It is the price for the Basic plan, and for Thiqa and enhanced plans prices fall between the tariff and three times the tariff.
Sources (last checked: 27 Oct 2026): Dubai Health Authority / Dubai Health Insurance Corporation, General Circular GC 03/2024 (23 July 2024), Essential Benefits Plan table of benefits from 1 January 2025: outpatient consultations 20% co-pay per visit with no co-pay for a follow-up within 7 days, laboratory and radiology 20%, dental 30% per visit with cover up to AED 500, antenatal 10%, maternity in-patient 10% with up to AED 10,000 per normal delivery (limits include co-pay), non-urgent in-patient 20% capped at AED 500 per encounter and AED 1,000 a year, pharmacy 30%, annual limit AED 150,000, premium band AED 550–750; no emergency co-pay is stated. Health Insurance Law of Dubai, Employer's Information Pack (1 July 2015): the plan's lower salary band is a gross monthly salary of AED 4,000 or less; premiums may not be deducted from the employee. Ministry of Human Resources and Emiratisation (mohre.gov.ae), news of 16 December 2024 and "Health insurance scheme": basic package AED 320 a year for private-sector workers and domestic workers in Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah and Fujairah from 1 January 2025; outpatient (visits, diagnostic tests, minor procedures) 25% co-pay up to AED 100 per visit, no co-pay for a follow-up within 7 days; in-patient 20% up to AED 500 per visit and AED 1,000 a year; medicines 30% up to AED 1,500 a year; UAE Government portal u.ae, "Getting health insurance". Abu Dhabi Media Office (1 July 2024 changes to the Basic plan, with the Department of Health): diagnostics 20% up to AED 50 per visit, in-patient and one-day procedures AED 200 each up to AED 500 a year, medicines 30% up to AED 1,500 cover; no consultation co-pay was stated, so the tool asks you to check. Department of Health Abu Dhabi, "New price list for healthcare services" (Mandatory Tariff: Basic product prices, floor for Thiqa and enhanced products with a ceiling of three times the tariff) and "Mandatory Tariff 2024 Pricing Methodology". Thiqa co-pays: we found only press reports from 2018, so no figure is used. Government fees: Emirates Health Services, "Family Medicine Services" (residents AED 100; UAE citizens free with a valid health card, AED 50 without); Dubai Health Authority service catalogue of a primary health centre (November 2022: family medicine AED 112.50, specialist clinics AED 187.50, general dentistry registration AED 187.50, laboratory and radiology by test; fees may change). Emergency care: Federal Decree-Law No. 4 of 2016 on Medical Liability, Article 5; Department of Health Abu Dhabi, 11 December 2019 (facilities may not deny emergency care based on insurance); Dubai Health Insurance Corporation Emergency Coverage Regulation PD-03-2025 (immediate care regardless of insurance status or network). Private prices: each facility sets its own (in Dubai, from a DHA-approved gross price list), so the tool uses the clinic's quote. Not medical or financial advice.