An expat’s guide to living in the UAE

Over half a million Westerners live and work in the UAE – almost half the country’s native population. The Gulf state’s thriving finance, construction, and hospitality sectors draw workers from across the world, who are now relocating to the UAE in unprecedented numbers.

The country has seen a massive influx of wealth in recent years as it transformed from a fishing outpost to one of the world’s leading centres of commerce. It is a magnet for those seeking opportunity and prosperity, with Dubai alone home to over 70,000 millionaires.

However, to avoid any potential pitfalls, prospective expats should first consider several factors, including the country’s pension system, healthcare options, and visa regime. We have compiled practical advice, tips, and resources to help you make a smooth transition to life in the UAE. Whether you’re planning to work in finance, hospitality, technology, or another industry, we’ve got you covered.

Is healthcare free in the UAE?

One of the first things any expat will want to be sure of is that they can access high-quality healthcare if needed. Fortunately, the UAE offers a highly developed health infrastructure, ensuring top-notch medical services for both residents and expats.

The healthcare system in the UAE is robust, with a mix of public and private sectors delivering high-quality care. The UAE’s health system is ranked 33rd out of the 167 nations in the Legatum Prosperity Index, ahead of the USA, which occupies the 69th position on the list.

The country’s medical facilities are modern and easily accessible, offering a high standard of healthcare services. Expats can potentially access both public and private hospitals, with many preferring the latter due to factors like English-speaking staff and foreign-trained doctors.

In terms of cost, healthcare services in the UAE can be expensive, with the average insurance premium for an individual costing more than $5,000. While Emirati nationals enjoy low-cost or free treatment at public facilities, expats must pay a fee and possess a health card to take advantage of these services. Public healthcare covers essential needs such as emergencies, maternity services, and primary healthcare, although exclusions exist for certain services like dental and vision care.

Private healthcare facilities in the UAE outnumber public facilities and typically offer good services with minimal wait times. Expats are advised to secure comprehensive health insurance coverage for themselves and their dependents, as it is mandatory for residency visas and ensures access to both private and public healthcare services. Employers in Abu Dhabi and Dubai are required to provide a minimal level of health coverage to their employees, with varying coverage for dependents.

Does the UAE offer a good quality of life?

The UAE was named the 4th best country for expat’s quality of life in a recent survey. The poll found that the UAE ranks highly for expat satisfaction with administrative processes and visa acquisition, making it relatively easy to navigate bureaucracy. Digital services, including government services and high-speed internet access, are readily available, though there are restrictions on some online platforms.

Expats say they enjoy a vibrant social life in the UAE, with ample leisure options, including diverse culinary experiences, cultural activities, and nightlife. Access to transportation, both public and private, is convenient, and travel options are well-regarded.

Safety and healthcare are top priorities in the UAE, with expats expressing high levels of satisfaction with political stability, personal safety, and the quality of medical care. Accessibility to healthcare services is also rated positively.

Unlike many other countries, the UAE’s openness to expats, who dwarf its native population, means there isn’t so much of a cultural hurdle to overcome, for instance, you likely won’t need to speak Arabic – and the country is considered one of the more liberal</a > in the Middle East, with alcohol served at licensed premises.

Overall, the UAE provides a compelling combination of financial benefits, safety, education, healthcare, and infrastructure, making it an attractive destination for individuals and families seeking a high quality of life.

Is my salary tax-free in the UAE?

Yes, salaries are typically tax-free for both Emirati nationals and expatriates. The country does not levy personal income tax on salaries, allowing individuals to retain their entire earnings. This tax-free income policy is one of the key attractions for expatriates seeking employment opportunities in the UAE.

The absence of personal income tax means that expatriates can potentially earn higher net incomes compared to their counterparts in countries where income tax is imposed. This aspect, coupled with the UAE’s robust economy and lucrative job opportunities, makes the country an appealing destination for professionals worldwide.

However, it’s important to note that while salaries are tax-free in the UAE, there may be other forms of taxation or fees in certain circumstances. For example, businesses operating in specific sectors may be subject to corporate taxes, and costs are associated with services such as visa issuance and property transactions. Additionally, expatriates could be required to contribute to social security and pension schemes, known as the UAE’s “end of service gratuity”, which is payable upon the termination of employment.

Overall, the tax-free nature of salaries in the UAE significantly benefits expatriates, contributing to the country’s reputation as a favourable destination for career advancement and financial prosperity.

Do I need a job to move to the UAE?

The UAE offers various visa options that allow individuals to move to the country for employment, business setup, investment, education, or retirement.

For those seeking employment in the UAE, securing a job offer from a company based in the country is typically the most common pathway to obtaining a residency visa. Employers in the UAE often sponsor the visa application process for their employees, providing the necessary documentation and support to facilitate their relocation.

However, individuals can also explore other avenues for moving to the UAE. For instance, entrepreneurs may consider setting up a business in the UAE, which can lead to eligibility for a residency visa under certain conditions. Additionally, investors may qualify for residency through real estate investment or other financial contributions to the country’s economy.

Furthermore, the UAE offers long-term residency visas for retirees and skilled professionals, providing an alternative pathway for individuals who do not have immediate employment opportunities but wish to relocate to the country for personal or lifestyle reasons.

It’s important to note that regardless of the purpose of relocation, individuals must comply with the UAE’s visa and immigration regulations. These regulations may vary depending on factors such as nationality, intended duration of stay, and the specific visa category applied for. Consulting with immigration experts or legal advisors can help individuals navigate the visa application process and ensure compliance with relevant regulations.

Do I need a UAE bank account?

Yes, having a UAE bank account is crucial if you’re relocating to Dubai for work, business, or investment. Whether you’re an expatriate or a visitor, you’ll need to be physically present to open an account, as a bank officer must witness your signature on the application and other documents. However, you can enlist the help of a financial advisor, such as Europe Emirates Group, to act as your representative and assist in opening your account remotely in some cases.