DUBAI VS NHS: REAL TALK ABOUT HEALTHCARE & COSTS

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Stephen has been living in Dubai for almost 20 years – and in this episode, he shares what health insurance in the UAE is really like. From big differences with the NHS to real costs and common mistakes people make, this talk is super helpful if you’re planning to move to Dubai.
Found this useful? Like the video, share it with anyone thinking about moving, comment your questions below, and subscribe for more honest Dubai advice!

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👉 https://open.spotify.com/show/3hKda1MSvBQrQMjriDDy9M?si=043ff8c6c7364c41

What You’ll Learn:

- How health insurance in Dubai is different from the UK’s NHS
- Real costs of insurance for individuals and families in the UAE
- Common mistakes people make when choosing insurance
- Why online insurance platforms don’t always show the full picture
- What to know if you’re moving with health conditions or elderly parents
- The truth about international insurance coverage
- Tips for expats choosing the right health plan
- What happens if you get seriously ill while living in Dubai
- How retirement and long-term plans affect your insurance needs
- Why personal advice can be more valuable than online research

Timestamps:
00:00 – Welcome & Dubai feels like home after 20 years
00:46 – Dubai back then vs now
01:12 – Why UK families are moving to Dubai
02:04 – The need for support networks like the British Social Club
03:05 – NHS vs UAE health insurance explained
04:52 – Mandatory health insurance in Dubai
05:51 – What does insurance actually cost in the UAE?
07:14 – Why UAE prices keep rising
08:11 – Health risks and how they impact your premium
09:31 – Cost example: Family of four in Dubai
10:19 – How pre-existing conditions affect insurance
11:07 – Local vs international coverage explained
12:14 – The hidden “80%” clause in many insurance plans
13:20 – Why proper advice matters before buying
14:44 – The danger of buying cheap policies online
16:27 – What happens if you get seriously ill in Dubai
17:59 – 3 key tips for expats choosing health insurance
18:20 – What tourists and short-term visitors need to know
19:24 – What if you have to return to your home country?
20:36 – The gap in health insurance for retirees
21:01 – Real story: Family brings parents, but can’t afford care
22:20 – Are Dubai hospitals and doctors reliable?
23:52 – How to find a trustworthy doctor in Dubai
25:08 – Are newborns and babies covered?
26:39 – Most common questions from Stephen’s clients
27:49 – Can you use international insurance in Dubai?
29:15 – How to compare plans: research vs broker advice
30:13 – 4 types of insurance coverage you should know
31:14 – What people forget to plan for when they leave Dubai
33:14 – The hidden cost of “controlled” health conditions
34:32 – Retirement, pensions, and long-term coverage
36:16 – What makes the British Social Club insurance special?
37:10 – What’s actually covered in these policies?
38:06 – Why speed and choice matter in private healthcare
40:35 – Why frequent doctor visits increase premiums
42:08 – What Stephen personally thinks about living in Dubai
43:21 – Final thoughts: Take risks, but be prepared
44:21 – Steve’s advice for anyone thinking about moving abroad
46:07 – Why it’s hard to return after leaving Dubai
47:22 – Why working culture in Dubai is fast-paced
48:51 – Summary: Health, money, and being prepared

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