Northern Emirates
MOHAPSharjah, Ajman, Ras Al Khaimah, Fujairah, and Umm Al Quwain. Unified Federal Mandate under MOHAP and EIC.
MOHAP & EIC Coverage
The Northern Emirates—Sharjah, Ajman, Ras Al Khaimah, Fujairah, and Umm Al Quwain—are regulated by the Ministry of Health and Prevention (MOHAP) and the Emirates Identity Authority (EIC/ICP) for health insurance requirements.
The Federal Mandate (January 2025) has unified standards across these emirates, requiring active health insurance for all visa applications and renewals. Unlike Dubai (DHA) and Abu Dhabi (DOH), these emirates share a common federal framework.
Emirates Covered
Sharjah
Third largest emirate with major free zones
Ajman
Smallest emirate with growing business sector
Ras Al Khaimah
Northern emirate with industrial and tourism focus
Fujairah
East coast emirate with port and trade activities
Umm Al Quwain
Quiet emirate between Ajman and RAK
Key Requirements
Federal Standards
All five emirates follow the unified Federal Mandate for health insurance requirements.
ICP Integration
Insurance syncs with ICP (Federal Authority for Identity and Citizenship) for visa processing.
EBP Available
Essential Benefits Plan available for low-income employees across all Northern Emirates.
Wider Provider Choice
More flexibility in provider selection compared to Abu Dhabi's stricter authorized provider rules.
Unified Federal Mandate (Jan 2025)
The Federal Mandate has standardized requirements across all Northern Emirates, making compliance simpler than before. Key points:
- Active insurance required for all visa types
- EBP eligibility for employees under AED 4,000/month
- Policies must be from MOHAP-licensed providers
Coverage Options
Essential Benefits Plan (EBP)
From AED 650/yearGovernment-regulated basic coverage for employees earning underAED 4,000/month. Standardized across all Northern Emirates.
Standard MOHAP Plans
AED 1,500 – 3,500/yearComprehensive coverage meeting federal requirements with enhanced benefits and wider network access.
Enhanced Plans
AED 4000+/yearFull-featured coverage with additional benefits, wider hospital network, and optional extras.
Typical Timeline
Same-day to 48 hours
Processing is generally faster in Northern Emirates. EBP plans often activated same-day.
Get Northern Emirates Quotes
Connect with MOHAP-licensed providers
Northern Emirates Quick Facts
- Authority: MOHAP / EIC (ICP)
- Coverage: 5 Emirates unified
- EBP Rate: From AED 650/year
- Processing: Same-day to 48h