The National Policy and Legal Framework
The UAE government launched the National Policy for Senior Emiratis in 2018 to ensure older residents remain active and integrated within society, built on seven pillars including healthcare and financial stability. Federal Law No. 9 of 2019 guarantees the rights of Senior Emiratis, including independence and protection, as well as priority access to government services. Expats can access some government benefits, but often rely on private insurance and schemes like the Golden Pension, especially if they meet specific residency criteria.
Healthcare Services and Initiatives
The UAE provides extensive healthcare for seniors. Emirati nationals receive free or subsidized medical services, mobile health units, and specialized geriatric care. Dubai's “Health for Elders” program uses a unified electronic record for better care coordination. For long-term expatriates, new options like the 'Vibrance Senior' health insurance plan, launched in 2024, offer comprehensive coverage including preventive screenings and chronic disease management.
Financial Stability and Assistance
Financial support is a key focus. The UAE offers pension schemes for eligible Emirati and GCC nationals. For expats, the Golden Pension Scheme, introduced by National Bonds in 2022, is a voluntary program allowing contributions to investment funds to grow end-of-service benefits. Additionally, senior Emirati citizens meeting specific criteria can receive monthly financial assistance.
Community Involvement and Social Programs
Programs encourage social engagement for seniors. The Community Development Authority (CDA) in Dubai offers initiatives such as the Weleef Program for home care services, Thukher Clubs for social activities, and services promoting inter-generational communication.
Infrastructure and Transportation Support
Transportation is made more accessible with discount cards. The Thukher Card in Dubai provides Emirati citizens with discounts on healthcare, transportation, and retail, along with priority services. The Nol Blue Card offers Emiratis and expatriates over 60 a 50% discount on public transport in Dubai. Disabled Emirati seniors also receive free public parking.
Housing Assistance and Support
Housing support is mainly for Emirati citizens through programs like the Sheikh Zayed Housing Programme, offering grants and interest-free loans. In 2025, the housing loan coverage age limit for senior citizens was extended from 70 to 95 for nationals, including life insurance coverage. The retirement visa provides residency stability for expatriates, but without specific housing support.
Comparison of Benefits for Nationals vs. Expats
| Feature | Emirati Nationals (60+) | Expatriate Residents (60+) |
|---|---|---|
| Healthcare | Free/subsidized comprehensive healthcare, specialized geriatric clinics, home care programs. | Rely on private insurance; new dedicated senior health plans available. Access to public hospital services, but often not free. |
| Financial Aid | Federal pension scheme, monthly social assistance based on eligibility, retiree support programs. | End-of-service gratuity; voluntary Golden Pension scheme to invest gratuity; individual retirement planning options. |
| Special Cards | Thukher Card (Dubai), other local emirate-specific benefits. Provides extensive discounts and priority services. | Nol Blue Card (Dubai) for 50% transport discounts. General Emirates ID discounts may apply. |
| Housing | Sheikh Zayed Housing Programme, MBRHE grants, extended loan age limit to 95 for nationals. | No government housing grants. Retirement visa offers residency stability, but requires financial criteria to be met. |
| Social Programs | Access to Weleef home care, Thukher Clubs, inter-generational programs. | Can participate in many community activities. Weleef program primarily for nationals. |
Conclusion
The UAE’s progressive policies and social initiatives create a supportive environment for its senior population. The nation prioritizes the well-being of its elderly through comprehensive healthcare, financial support systems, and vibrant community engagement programs. This comprehensive approach, guided by a national policy and federal law, ensures that senior citizens are respected and integrated into society. These benefits foster a high quality of life for all its older residents. For more information on government services, visit the Official Portal of the UAE Government.
