Guides

UAE insurance, in plain English

Short, practical guides to the questions clients ask me most, with official sources linked wherever rules or numbers are quoted.

Get My Compared Quotes WhatsApp Shamna

By Shamna Ponnath Valappil, Senior Insurance Officer · Updated 26 September 2026

Quick answer

These guides cover the UAE insurance questions that come up most often: who must provide health insurance in each emirate, how employers should prepare for a group medical renewal, and what a licensed broker does compared with buying direct from an insurer. Each guide links to official UAE sources wherever rules or amounts are quoted.

Latest guides

UAE health insurance rules by emirateWho must insure whom in Dubai, Abu Dhabi and the Northern Emirates, including the AED 320 basic scheme.Read more →Group medical renewal checklist10 questions HR and finance teams should ask before renewing the staff health plan.Read more →Insurance broker vs buying directWhat a broker does, what it costs you, and when going direct is fine.Read more →

Looking for a specific cover?

Personal: car, health, travel, home & pet, life & savings. Business: group medical, workmen's compensation, property & liability, fleet.

Shamna Ponnath ValappilSenior Insurance Officer, Gargash Insurance Services LLC

10+ years in insurance, six internationally and four in the UAE market. Shamna compares personal and business cover across insurers for clients in all seven Emirates. More about Shamna

Last reviewed: 26 September 2026. General information only, not advice; policy terms decide cover.

Get real options from multiple UAE insurers, side by side.

60-second request · Free & no obligation · All 7 Emirates

Start my comparison WhatsApp

Shamna Ponnath Valappil is a Senior Insurance Officer with Gargash Insurance Services LLC, a UAE insurance broker regulated by the Central Bank of the UAE. Insurance arranged through this site is placed by Gargash Insurance Services LLC. Quotes are subject to underwriting by the relevant insurer(s); final terms, premiums and cover are confirmed when a policy is issued.