In the United Arab Emirates, senior and long-term care does not revolve around traditional nursing homes. Instead, families and expatriates increasingly rely on Long-Term Care (LTC) Centres, Rehabilitation Hospitals, and premium Home Nursing Services that prioritise privacy, flexibility, and international clinical standards.
While luxury care is often associated with high costs, it is entirely possible to find affordable, insurance-supported home nursing and long-term care options in Dubai, Abu Dhabi, and Sharjah—if you know where and how to look.
Understanding Affordable Care Options in the UAE
Unlike Western markets, affordability in the UAE does not usually come from subsidised housing schemes, but from care-at-home models, insurance coverage, and right-sizing clinical services.
- Home Nursing Services
- Live-in Care
- Rehabilitation Hospitals (Short-Term)
- Long-Term Care Centres
- Family-Supported Care with Nursing Oversight
Home Nursing Services
Home nursing is the most cost-efficient and culturally preferred option in the UAE. Licensed nurses provide medical care—such as medication administration, wound care, injections, IV therapy, and mobility support—directly at the patient’s residence.
Monthly costs typically range from AED 6,000 to AED 14,000, depending on visit frequency and clinical complexity. Many services are partially reimbursed by Daman, Thiqa, or private health insurance, especially when medically prescribed.
Live-in Care
Live-in care combines nursing supervision with daily personal assistance. A dedicated caregiver resides in the home, supported by visiting licensed nurses. This model is popular among high-net-worth families seeking round-the-clock care without institutional placement.
Costs usually fall between AED 8,000 and AED 18,000 per month, often more affordable than long-term residential care while maintaining privacy.
Rehabilitation Hospitals
For short-term recovery after surgery, stroke, or injury, DHA- or DoH-licensed rehabilitation hospitals provide intensive therapy programmes. While premium facilities can be expensive, many insurers cover a defined rehabilitation period.
Transitioning early from inpatient rehab to home nursing can significantly reduce overall costs.
Long-Term Care Centres
LTC centres are suitable for patients requiring continuous medical supervision. While typically more expensive than home care, selecting shared accommodation or limited clinical packages can improve affordability.
Monthly fees generally range from AED 18,000 to AED 35,000, depending on care intensity and room type.
How Insurance Can Reduce Your Costs
Daman, Thiqa & Private Health Insurance
Insurance coverage is a critical factor in affordability. Many policies include benefits for:
- Medically necessary home nursing visits
- Post-hospital rehabilitation
- Palliative or chronic disease management
Coverage is strongest when care is prescribed by a licensed physician and delivered by a DHA- or DoH-approved provider. Always request pre-authorisation to avoid out-of-pocket surprises.
Out-of-Pocket Planning
For services not covered by insurance, families often rely on pension income or end-of-service benefits. Many providers offer customised care plans to align services with a defined monthly budget.
Key Factors to Evaluate When Choosing Affordable Care
- Licensing – DHA or DoH approval is essential
- Care Intensity – match services to actual medical needs
- Visit Frequency – fewer, targeted nursing visits lower costs
- Location – travel time within Dubai, Abu Dhabi, or Sharjah affects pricing
- Insurance Acceptance – confirm direct billing availability
Home Environment & Accessibility
Ensure the residence is safe and suitable for care: step-free access, adequate lighting, and emergency call arrangements. Providers will often assess the home using the Makani Number or area code to plan logistics efficiently.
Cost Transparency
Request a written quotation detailing:
- Hourly or monthly nursing fees
- Included medical supplies
- Additional charges for nights, weekends, or Winter Season demand
Practical Tips to Keep Care Affordable
- Use insurance-covered nursing visits whenever possible
- Combine family caregiving with professional nursing oversight
- Opt for short rehabilitation stays, then transition home early
- Review care plans every 30–90 days to avoid unnecessary services
Comparing Providers
Speak with at least three licensed providers. Compare not only price, but nurse qualifications, response times, and clinical supervision. Lower cost without proper oversight can lead to higher long-term expenses.
Step-by-Step: Finding the Right Affordable Care
| Step | Action |
| Assess Needs | Define medical, nursing, and daily living requirements |
| Check Insurance | Confirm Daman/Thiqa/private coverage and pre-authorisation |
| Shortlist Providers | Choose DHA/DoH licensed home nursing agencies |
| Compare Costs | Review itemised quotes and service inclusions |
| Review Regularly | Adjust care plans every 1–3 months |
Conclusion
Affordable senior and long-term care in the UAE is achievable without compromising dignity or safety. By prioritising home nursing services, insurance optimisation, and tailored care plans, families can access world-class care at a controlled cost—while preserving privacy and comfort.
FAQ
Is home nursing cheaper than long-term care centres in the UAE?
Yes. In most cases, home nursing services cost significantly less than residential long-term care, especially when insurance coverage applies.
Does Daman or Thiqa cover home nursing?
Often, yes—when care is medically necessary and pre-approved. Coverage depends on the specific policy and diagnosis.
Can families combine home care with occasional facility care?
Absolutely. Many families use rehabilitation hospitals for short-term recovery, then transition to home nursing for long-term affordability and comfort.