Does a Certificate of Continuity transfer between emirates in the UAE?

A Certificate of Continuity documents that you held continuous health cover for a stated period, and that record of prior cover does not disappear simply because you move between emirates — it is evidence you can present to a new insurer wherever you are in the UAE. However, mandatory health-insurance rules differ by emirate: Dubai's scheme is overseen by the Dubai Health Authority, and Abu Dhabi's by the Department of Health – Abu Dhabi, while other emirates have their own arrangements. So while your continuity certificate remains valid evidence, how a new insurer or scheme treats your prior cover and any pre-existing conditions depends on that emirate's rules and the insurer's underwriting. The practical step is to obtain the continuity certificate from your previous insurer before any gap, then provide it to the new insurer at onboarding and confirm in writing how it affects your cover. Insurer conduct across the UAE is supervised by the Central Bank of the UAE. If a new insurer ignores valid continuity evidence and you suffer a loss, complain to the insurer, then the regulator. For tailored guidance you can compare verified UAE legal professionals on LEXAI.