01Part one · Health insurance

Four tiers of health cover, one honest comparison.iHealth insurance is compulsory for private-sector and domestic workers in every emirate since 1 January 2025. What your policy actually covers varies enormously by tier.

TieriBasic/EBP is the mandatory minimum. Dubai's Essential Benefits Plan applies to employees earning under AED 4,000/month (~AED 650–725/yr); the Northern Emirates basic plan starts from AED 320/yr.	Annual premium (per adult)	Annual limit	NetworkiThe clinics and hospitals your insurer pays for. Basic plans restrict you to assigned facilities; higher tiers open premium private hospitals.	MaternityiIndividual plans often impose a 6–12 month waiting period before maternity benefits start, so upgrade a tier before conceiving.	Dental & optical	Pre-existing conditionsiConditions you already have. Covered only if declared, usually after a waiting period; six months on the EBP.	Worldwide cover

Indicative per-adult market ranges as of July 2026, excl. VAT; actual quotes depend on age, medical history and insurer.

03Part two · Life insurance

Do you actually need life insurance, and how much?iDIME adds Debt, Income replacement, Mortgage and Education. If nobody would be financially hurt when your income stops, you may not need life cover at all.

Your situation

Eight inputs, one answer

Your age

Financial dependents

Monthly income AED

Years of income to replaceiI in DIME: years of your monthly income your family would need to rebuild life without you. Ten is a common starting point. 10

Loans & credit cards (not mortgage)iD in DIME: loans and card balances your family would still owe. If bank credit life cover pays them off, say so in the next field. AED

Do those loans have credit life cover?

Outstanding mortgageiM in DIME: the balance still owed. UAE banks usually require life cover on mortgages, so this is often already handled. AED

Mortgage life cover in place?

Children needing education funding

Education pot per childiE in DIME: a lump sum per child for remaining school and university costs.

Existing life cover AED

Savings & investments (incl. expected gratuity) AED

Recommended coveriThe DIME total plus a small transition buffer, minus existing cover, savings and expected gratuity, rounded up to the nearest AED 100,000.

–

D · Debt

–

uncovered loans

I · Income

–

years replaced

M · Mortgage

–

not bank-covered

E · Education

–

for the kids

Already in place

–

existing cover + savings + gratuity

Debt Income replacement Mortgage Education Already in place

What term cover roughly costsiPlain term insurance is typically 5–10× cheaper than savings-linked whole-of-life plans for the same payout, whatever the commission-paid adviser says. Buy protection as protection and invest the difference yourself.

–

Indicative pricing for a non-smoker, as of July 2026.

Sources

Mandatory-cover rules: Dubai Health Insurance Law No. 11 of 2013, enforced by the Dubai Health Authority (DHA), whose Essential Benefits Plan applies to employees earning under AED 4,000/month and non-working dependents; Abu Dhabi Law No. 23 of 2005, which obliges employers to cover the employee plus spouse and up to three children under 18; and the UAE Cabinet decision that extended mandatory basic health insurance to private-sector workers and domestic workers in the Northern Emirates from 1 January 2025, with the MOHRE basic package starting from about AED 320/yr. Life-cover context: Federal Decree-Law No. 33 of 2021 (end-of-service dues payable to the family on death, work-related death compensation of 24 months' basic wage, minimum AED 18,000 and maximum AED 200,000, and employer-paid repatriation) and the CBUAE 2020 life-insurance regulations (commission caps and illustration standards). Premium and plan-feature ranges are indicative market figures as of July 2026, drawn from DHA, MOHRE and DoH published rules plus UAE insurer and aggregator ranges.

Educational tool only, not financial, legal, insurance or tax advice. Premium ranges, plan features and pricing shown are indicative market figures as of July 2026 and change frequently; regulations cited (Dubai Law No. 11 of 2013, Abu Dhabi Law No. 23 of 2005, Federal Decree-Law No. 33 of 2021, the 2025 Cabinet decision on basic health insurance, CBUAE insurance regulations) should be verified with the relevant regulator or a licensed adviser before acting. Always confirm cover, exclusions and quotes directly with the insurer or bank.

Early access · 2026

Take control of your financial future

Join the waitlist. Himma launches in the UAE soon. Be among the first in, with early-supporter perks.

No spam. Unsubscribe any time.

Two policies decide your
family's safety net.

Four tiers of health cover, one honest comparison.iHealth insurance is compulsory for private-sector and domestic workers in every emirate since 1 January 2025. What your policy actually covers varies enormously by tier.

Which tier actually fits you?

Do you actually need life insurance, and how much?iDIME adds Debt, Income replacement, Mortgage and Education. If nobody would be financially hurt when your income stops, you may not need life cover at all.

Eight inputs, one answer

Take control of your financial future