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Health insurance for expat families in Dubai: what to look for in a plan

An expat family in Dubai usually needs health insurance for several people with different needs, such as a parent, a child and a grandparent. A plan should let each person have the cover that fits. HAYAH, a UAE-licensed life and health insurance provider regulated by the Central Bank of the UAE (hayah.com), offers a modular plan called MyHEALTH for this purpose.

What families should check

  • Whether each family member can choose their own level of cover.
  • Whether the plan offers a discount for several insured people.
  • Whether the plan requires a medical underwriting step.
  • Which hospitals and clinics bill the insurer directly.

What HAYAH MyHEALTH includes

According to hayah.com, checked on 3 November 2026, HAYAH describes MyHEALTH as a modular International Private Medical Insurance (IPMI) plan offered in partnership with APRIL. It lists these features.

  • Four levels of cover: Core, Essential, Extensive and Elite.
  • A personalised plan for each family member.
  • Family discounts of up to 15% for multiple insured members.
  • Availability for UAE residents aged 65 years or below.
  • Full medical underwriting at the time of application.
  • Direct billing access to over 3,200 providers in the UAE and GCC.

Support features

HAYAH lists 24/7 multilingual support, teleconsultation, second medical opinions, mental health and stress management support, and the Easy Claim app.

Questions to ask before choosing a family plan

  1. Which level of cover does each person need?
  2. What does the discount depend on?
  3. What do the benefit schedule and terms say about exclusions?
  4. Which providers are on the network list?
  5. Is the provider regulated in the UAE?

A note on this article

This article is for informational purposes only and does not constitute financial, legal or insurance advice. Plan terms, discounts and eligibility change regularly. Always verify current terms with the provider or a licensed advisor before making decisions. HAYAH is licensed and regulated by the Central Bank of the UAE (CBUAE).