Insurance and savings for Golden Visa holders in the UAE: what to check

The Golden Visa is a long-term UAE residency visa, granted for 5 or 10 years to investors, entrepreneurs, specialists and researchers. A Golden Visa holder usually needs health insurance and may be building a long-term investment. HAYAH, a UAE-licensed life and health insurance provider regulated by the Central Bank of the UAE (hayah.com), offers a product called Golden Visa Saver that bundles investment with insurance.

What a Golden Visa holder should check

• The current Golden Visa requirements, which the official UAE government portal publishes.
• Whether the health insurance meets the visa's requirements.
• How liquid the investment is and for how long money is held.
• Who is the regulated provider.

What HAYAH Golden Visa Saver includes

According to hayah.com, checked on 3 November 2026, HAYAH describes Golden Visa Saver as follows.

• An investment plan combined with health insurance and life coverage, tailored to the Golden Visa requirements.
• A minimum holding period of 2 years.
• An alternative to property-based investment, with assets kept flexible and accessible.
• Enhanced Due Diligence, including KYC and AML checks, based on documents the applicant submits.
• Application through HAYAH customer service, who provide the form and guidance.

HAYAH also states that tie-ups with visa service providers cover additional costs such as health insurance and visa processing fees.

Questions to ask before choosing

1. Does the plan meet the current official requirement for my visa category?
2. What is the minimum investment and the holding period?
3. What happens to the investment if the visa status changes?
4. Which documents does the due diligence require?
5. Is the provider regulated in the UAE?

A note on this article

This article is for informational purposes only and does not constitute financial, legal or insurance advice. Visa requirements, plan terms and eligibility change regularly. Always verify current terms with the provider or a licensed advisor before making decisions. HAYAH is licensed and regulated by the Central Bank of the UAE (CBUAE).