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UAE Health Insurance Fine Calculator

Instantly calculate your health insurance lapse penalty — for Dubai & Abu Dhabi residents

🏛️ DHA Regulated

🏛️ DoH Abu Dhabi Authorized

⭐ CBUAE Licensed Broker

STEP 1

Select Your Emirate

Fine rate: AED 500 per person per month (Dubai — DHA Law No. 11 of 2013)

STEP 2

Insurance Lapse Period

Insurance Expiry Date

Today's Date

Total months without insurance: —

STEP 3

Number of People

👤

Yourself

💑

Spouse

👶

Children

🏠

Domestic Workers

Total members: 1

How the Fine Is Calculated

Understand the rules for each emirate before your fine keeps growing

🏙️

Dubai Fine Rules

›

AED 500 per person per month (even 1 day = full month)

›

Grace period: 30 days after policy expiry

›

Maximum fine: AED 150,000

›

Visa renewal blocked if unpaid

›

Law: Dubai Health Insurance Law No. 11 of 2013

🏙️

Abu Dhabi Fine Rules

›

AED 300 per person per month

›

Applies to all residents and dependents

›

TAMM portal used to check and pay fines

›

Visa/residency renewal at risk

›

Authority: Department of Health (DoH) Abu Dhabi

Other Emirates (From Jan 2025)

›

Federal mandate covers: Sharjah, Ajman, RAK, Fujairah, UAQ

›

AED 500/month federal rate applies

›

Required before visa issuance or renewal

›

Law: UAE Cabinet Health Insurance Scheme 2025

Who Is Responsible?

Understanding liability for health insurance in the UAE

👔

Employers

Must insure all employees. Fine: AED 500/month per uninsured worker

👨‍👩‍👧

Visa Sponsors

Must insure spouse, children, and domestic workers under their sponsorship

🏠

Domestic Workers

Maids, drivers, and nannies must be covered by their visa sponsor

🏢

Companies

Repeat violations can result in AED 500,000 fine and business license issues

Frequently Asked Questions

AED 500 per person per month. Fines can reach AED 150,000 for severe or repeated violations under Dubai Law No. 11 of 2013. Even a single day without coverage in a given month counts as a full month's fine.

AED 300 per person per month as per the Department of Health (DoH) Abu Dhabi regulations. This applies to all residents and dependents registered under a UAE residency visa in Abu Dhabi.

Yes. From January 1, 2025, the UAE federal mandate requires health insurance for all private sector employees and domestic workers across all emirates including Sharjah, Ajman, RAK, Fujairah, and UAQ. Previously, mandatory health insurance only applied in Dubai and Abu Dhabi.

Fines start accumulating from the day after your grace period ends. Your visa renewal is blocked until all outstanding fines are paid, and visa sponsors can face legal penalties on behalf of uninsured dependents.

Employers pay fines for uninsured employees. Visa sponsors pay fines for uninsured dependents (spouse, children, domestic workers). Employees are generally not liable for their own insurance fines — this rests with the sponsor or employer.

Use the official TAMM portal at tamm.abudhabi. Log in with UAE Pass or Emirates ID and use the Certificate of Continuity (COC) reference number. The TAMM portal also shows all pending fines linked to your ID.

Yes. eSanad is a CBUAE-licensed broker and DHA/DoH authorized platform. You can compare and buy health insurance instantly. Coverage starts immediately, stopping fine accumulation from the date of purchase.

🏛️ ABU DHABI OFFICIAL PORTAL

TAMM — Abu Dhabi Government Services

TAMM is the official Abu Dhabi government portal where residents can check, manage, and pay health insurance-related fines and obligations.

TAMM Portal

Abu Dhabi's unified digital government platform

Visit tamm.abudhabi →

What You Can Do on TAMM

Check outstanding health insurance fines linked to your Emirates ID

Pay fines online using credit/debit card or UAE Pass

Download Certificate of Continuity (COC) for visa renewal

Link and manage insurance policies for your dependents

View your complete insurance compliance history

Access DoH Abu Dhabi health insurance services

How to Access Your Fine

Visit tamm.abudhabi

Go to the official TAMM portal on your browser or smartphone

Log in with UAE Pass

Use your UAE Pass app, or sign in with Emirates ID + password

Search Health Insurance

Navigate to Health Insurance Services under the DoH Abu Dhabi section

Check & Pay Fine

Enter your Emirates ID to view outstanding fines and pay securely online

UAE Pass or Emirates ID

KEY DOCUMENT

Certificate of Continuity (COC)

AUTHORITY

Department of Health Abu Dhabi (DoH)

Avoid visa renewal delays

Unpaid health insurance fines in Abu Dhabi will block your visa renewal. Check TAMM today to stay compliant.

⚠️

Important Disclaimer

This calculator provides an estimate only based on publicly available UAE regulatory guidelines from DHA and DoH Abu Dhabi.
Actual fines may vary based on your specific circumstances, employer liability, grace periods, or regulatory updates.
eSanad is not a government authority. For official fine amounts, visit DHA (dha.gov.ae) or DoH Abu Dhabi (doh.gov.ae) or the TAMM portal.
Fine rates shown are as of 2025 and subject to change by UAE authorities.
This tool does not constitute legal or financial advice.

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United Arab Emirates

Licensed & Regulated Authorities

Success Insurance Services L.L.C. (eSanad): Licensed insurance broker in the UAE, regulated by the Central Bank of the UAE (CBUAE), License No. 273.

Holder of Health Insurance Intermediary Permit (HIIP) from the Dubai Health Authority, Intermediary ID: BRK-0017.

Authorized by the Department of Health – Abu Dhabi (DOH), Certificate No. 80.

Registered member of the Emirates Insurance Federation, Membership No. B1508.

Licensed member of the Abu Dhabi Chamber of Commerce and Industry (ADCCI), No. 258509.

'eSanad' is a registered trademark of Success Insurance Services L.L.C., certified by the UAE Ministry of Economy & Tourism.

Insurance services provided exclusively through licensed UAE insurers. Subject to policy terms and conditions.

UAE Health Insurance Fine Calculator

Instantly calculate your health insurance lapse penalty — for Dubai & Abu Dhabi residents

🏛️ DHA Regulated

🏛️ DoH Abu Dhabi Authorized

⭐ CBUAE Licensed Broker

STEP 1

Select Your Emirate

Fine rate: AED 500 per person per month (Dubai — DHA Law No. 11 of 2013)

STEP 2

Insurance Lapse Period

Insurance Expiry Date

Today's Date

Total months without insurance: —

STEP 3

Number of People

👤

Yourself

💑

Spouse

👶

Children

🏠

Domestic Workers

Total members: 1

How the Fine Is Calculated

Understand the rules for each emirate before your fine keeps growing

🏙️

Dubai Fine Rules

›

AED 500 per person per month (even 1 day = full month)

›

Grace period: 30 days after policy expiry

›

Maximum fine: AED 150,000

›

Visa renewal blocked if unpaid

›

Law: Dubai Health Insurance Law No. 11 of 2013

🏙️

Abu Dhabi Fine Rules

›

AED 300 per person per month

›

Applies to all residents and dependents

›

TAMM portal used to check and pay fines

›

Visa/residency renewal at risk

›

Authority: Department of Health (DoH) Abu Dhabi

Other Emirates (From Jan 2025)

›

Federal mandate covers: Sharjah, Ajman, RAK, Fujairah, UAQ

›

AED 500/month federal rate applies

›

Required before visa issuance or renewal

›

Law: UAE Cabinet Health Insurance Scheme 2025

Who Is Responsible?

Understanding liability for health insurance in the UAE

👔

Employers

Must insure all employees. Fine: AED 500/month per uninsured worker

👨‍👩‍👧

Visa Sponsors

Must insure spouse, children, and domestic workers under their sponsorship

🏠

Domestic Workers

Maids, drivers, and nannies must be covered by their visa sponsor

🏢

Companies

Repeat violations can result in AED 500,000 fine and business license issues

Frequently Asked Questions

AED 300 per person per month as per the Department of Health (DoH) Abu Dhabi regulations. This applies to all residents and dependents registered under a UAE residency visa in Abu Dhabi.

🏛️ ABU DHABI OFFICIAL PORTAL

TAMM — Abu Dhabi Government Services

TAMM is the official Abu Dhabi government portal where residents can check, manage, and pay health insurance-related fines and obligations.

TAMM Portal

Abu Dhabi's unified digital government platform

Visit tamm.abudhabi →

What You Can Do on TAMM

Check outstanding health insurance fines linked to your Emirates ID

Pay fines online using credit/debit card or UAE Pass

Download Certificate of Continuity (COC) for visa renewal

Link and manage insurance policies for your dependents

View your complete insurance compliance history

Access DoH Abu Dhabi health insurance services

How to Access Your Fine

Visit tamm.abudhabi

Go to the official TAMM portal on your browser or smartphone

Log in with UAE Pass

Use your UAE Pass app, or sign in with Emirates ID + password

Search Health Insurance

Navigate to Health Insurance Services under the DoH Abu Dhabi section

Check & Pay Fine

Enter your Emirates ID to view outstanding fines and pay securely online

UAE Pass or Emirates ID

KEY DOCUMENT

Certificate of Continuity (COC)

AUTHORITY

Department of Health Abu Dhabi (DoH)

Avoid visa renewal delays

Unpaid health insurance fines in Abu Dhabi will block your visa renewal. Check TAMM today to stay compliant.

⚠️

Important Disclaimer

This calculator provides an estimate only based on publicly available UAE regulatory guidelines from DHA and DoH Abu Dhabi.
Actual fines may vary based on your specific circumstances, employer liability, grace periods, or regulatory updates.
eSanad is not a government authority. For official fine amounts, visit DHA (dha.gov.ae) or DoH Abu Dhabi (doh.gov.ae) or the TAMM portal.
Fine rates shown are as of 2025 and subject to change by UAE authorities.
This tool does not constitute legal or financial advice.