I feel sick almost every evening, severe cold, I...

The extent of coverage for employers and their dependents is determined by the employee's salary, designation etc. The extent of coverage and type of policy/scheme would determine the cost of your medical services.

In the emirate of Abu Dhabi, employers and sponsors are responsible for the providing health insurance coverage for their employees and their families (1 spouse and 3 children under 18 years).

In the emirate of Dubai, employers are required to provide health insurance coverage for their employees. Sponsors are required to get insurance cover for their resident dependents.

There are several insurance companies in the UAE. Many also provide Islamic insurance (takaful)