Retiring in Dubai: our simple and comprehensive guide to settling in

Do you dream of enjoy your retirement in the sun, in a modern, secure and tax-efficient environment? Are you wondering whether Dubai Could this be the ideal destination to make the most of this new chapter in your life? This guide tells you everything you need to know!

Yes, you can spend your retirement in Dubai! You just need to meet a few requirements and plan your move carefully. You need to be aware of the procedures involved, the benefits of living in Dubai and the things you need to know before you go.

With over 300 days of sunshine a year, state-of-the-art facilities and an attractive tax regime (zero income tax), and a vibrant international community, Dubai attracts more and more pensioners from all over the world.

Since the introduction of the retirement visa specific to foreign residents aged 55 and over, the city is becoming an increasingly attractive option for those who want to spend their retirement differently. In this article, you will discover:

• Why Dubai is attracting more and more French-speaking retirees
  
• The requirements for obtaining a retirement visa
  
• The cost of living locally and suitable accommodation options
  
• Health and insurance cover
  
• And all the practical tips you need to ensure your installation is a success

Are you ready to turn your dream of retirement in Dubai Is that really the case? Take a few minutes to have a look through this guide!

Why choose Dubai as a place to retire?

Dubai enjoys sunshine all year round, a warm climate and very little rain. It is ideal for make the most of your retirement, without a bitterly cold winter.

The city is very safe, with one of the lowest crime rates in the world. In the evening, you can go for a leisurely stroll, on your own or with others, without a care in the world.

The healthcare system is modern and very well equipped. You will find high-quality private clinics and hospitals there.

There is no no income tax in Dubai. This means you keep 100 % of your pension, with no local tax deducted.

Dubai is also a place for socialising and enjoying a range of activities. With its clubs, the beach, restaurants and even golf, every day can be a new adventure !

Above all, you’ll be surrounded by people from all over the world. Dubai offers a warm welcome expatriates from all over the world.

Requirements for obtaining a retirement visa in Dubai

Dubai is a top destination for French-speaking pensioners for its tax benefits, pleasant climate and modern infrastructure. Here’s how to obtain a retiree visa there.

A. Eligibility criteria

Dubai offers a retirement visa specifically designed for expatriates aged 55 and over. Here are the criteria you must meet to obtain it:

1. Be aged 55 or over : You must be aged 55 or over at the time of application.
   
2. Provide evidence of a source of income : You must prove that you have a monthly income of at least 20,000 dirhams (around €5,000). This income may come from a pension, a business or your investments.
   
3. To have savings : Provide evidence that you have at least 1 million dirhams in savings (around €250,000) to a local account.
   
4. Or own a property : You may also be eligible if you own a property in Dubai worth 2 million dirhams (around €500,000). The property must be paid for in full, with no outstanding credit.

Good news: meeting just one of these four criteria is enough to obtain a visa !

B. Application procedure

Here is a simple, step-by-step guide to applying for a retirement visa in Dubai:

1. Prepare your documents : You will need:

• Your passport (valid for at least 6 months)
  
• A recent passport-sized photograph
  
• Proof of income, savings or a property purchase
  
• A marriage certificate if you are coming with your partner
  
• A copy of your tenancy agreement (or title deed in Dubai)

2. Apply online : You can submit your application directly via the official Retire in Dubai website. It is a simple portal, available in English.
   You fill in a form and upload your documents.
   
3. Wait for confirmation : The authorities will check your details. You can usually expect a reply fairly quickly: 2 to 4 weeks on average.
   
4. Undergo a medical examination : Once your application has been approved, you will need to undergo a medical examination in Dubai. This is a formality to check that you are in good general health.
   
5. Obtaining your visa : Following the medical examination, you will be issued with a 5-year residence visa. This visa is renewable, provided you continue to meet the requirements.
   
   

Cost of living in Dubai for pensioners

Let’s talk about money – but without the stress!

• Accommodation : A comfortable flat costs around €1,500 to €2,500 a month, depending on the neighbourhood. The further you get from the city centre, the more affordable the rents become.
  
• Food : Groceries for two people cost around €400 to €600 a month. If you eat out, a decent meal in an average restaurant costs €10 to €30 per person.
  
• Transport : The underground is clean, air-conditioned and inexpensive. A monthly travelcard costs around €70. If you hire a car, expect to pay between €200 and €500 a month, plus petrol (which is cheap).
  
• Health : Private health insurance is compulsory for expatriates. Expect to pay between €1,000 and €2,000 a year, depending on your age and medical needs. The hospitals are modern and well-rated.
  
• Electricity, internet, etc. : Allow for around €150 to €250 a month for electricity, water, internet and telephone.
  In summer, the air conditioning runs a lot… so the bill goes up a bit. Nothing to worry about, but it’s something to bear in mind!
  
• Leisure and going out : A cinema ticket costs around €10, and a round of golf around €60. Public beaches are often free or inexpensive.

In short, life in Dubai can be comfortable from €2,500 per month for a couple, if you live within your means. But with €4,000 or more, you live in the utmost comfort… and you treat yourself to your heart’s content!

The healthcare system and medical insurance in Dubai

This is a very important point, especially when you’re retired!

1. A modern, private healthcare system

In Dubai, the majority of hospitals and clinics are private. The care is excellent, sometimes even better than in some European countries !

The medical staff speak English, and sometimes even French. You’ll be well looked after, without any language barriers.

2. Health insurance is compulsory

To obtain a retirement visa, you must take out private health insurance. Otherwise, you will not be able to finalise your residency.

A. How much does insurance cost?

It all depends on your age and state of health. Generally speaking, you should expect between €1,000 and €2,500 a year to ensure good coverage.

Insurers offer tailor-made policies for foreign pensioners. Some also cover medical treatment in Europe or in your home country.

B. What does a good insurance policy cover?

• Doctor’s appointments
  
• Medicines
  
• Medical tests
  
• Emergency care
  
• Hospital admissions

Some packages even cover glasses, dental care or physiotherapy. It all depends on the level you choose.

Housing options for retirees in Dubai

Here are the main ones Housing options for retirees in Dubai, simple and to suit all tastes.

1. Renting a flat

Renting a flat in Dubai is the easiest option to start with. You can choose a studio flat, a one-bedroom flat or larger, depending on your needs. Modern residential blocks often have:

• A swimming pool
  
• A gym
  
• A 24-hour security guard

Perfect for living comfortably and safely.

2. Buying a property

If you’re looking to settle down for the long term, you can buy a flat or a house. From €500,000, you may even be eligible for the long-stay visa.

You can invest in quiet neighbourhoods, close to beaches or parks. A good investment, whether you plan to live there or rent it out later.

Take your time: if you need to, rent first, explore the neighbourhoods, then buy once you’ve found your favourite spot.

3. Retirement homes

It’s still rare, but Dubai is developing retirement homes, with tailored services:

• Home help
  
• Social activities
  
• Basic medical supervision

It’s the ideal solution if you’d like to live in a supportive community.

4. Beachfront homes

For those who love peace and quiet and sunshine, some villas offer a peaceful lifestyle, near the sea. Ideal if you’re looking for comfort, space and peace and quiet.

5. Neighbourhoods popular with pensioners

Here is a selection of the the best neighbourhoods in Dubai For pensioners, depending on your lifestyle:

• Jumeirah : A quiet residential neighbourhood close to the sea. Perfect for walks on the beach, enjoying the cafés and living a peaceful life. A chic atmosphere, without being too noisy.
  
• Dubai Marina : Modern, lively and safe. Ideal if you enjoy walking along the waterfront, going shopping or dining out. The flats often have views of the harbour.
  
• Arabian Ranches : A green, quiet neighbourhood with detached houses and parks. Perfect for peaceful walks and community life. A family-friendly, relaxed atmosphere.
  
• Mirdif : Less touristy, more traditional, but very pleasant. Rents are more affordable here, whilst still offering a good standard of living. A good choice for those on a more modest budget.
  
• Palm Jumeirah : Luxury and sea views guaranteed! Houses or flats with beach access. Peaceful, secure, and very popular with affluent retirees.
  
• The Greens & The Views : A residential neighbourhood, full of greenery and well-connected. A peaceful atmosphere, with little cafés, lakes and lovely walks. Ideal for those seeking tranquillity and comfort.

All these neighbourhoods are safe, well-connected, and closely linked to essential services : clinics, supermarkets, transport and leisure.

Integration and social life for pensioners in Dubai

In Dubai, you’ll never be alone. Integration is easy and social life rich and warm!

• A real mix of cultures : Dubai is home to expats from all over the world. More than 80 % of its residents are foreigners! The main language spoken there is English, but French, Arabic and Hindi are also spoken…
  You’ll soon find yourself surrounded by people from all walks of life.
  
• Active retirement communities : There are loads of very active groups of expat pensioners. Outings, walks, coffee dates: anything goes when it comes to making connections!
  You can find them on Facebook, Meetup or in the halls of residence.
  
• Clubs, leisure and activities : Do you enjoy golf, painting, yoga or dancing? There are clubs for everything in Dubai. There’s a wide range of activities on offer, and they’re always well organised.
  Community centres also run workshops and talks. They’re a great way to learn, share and stay active.
  
• A tolerant and open city : Dubai is very respectful of different cultures and beliefs. Everyone lives at their own pace, whilst respecting others.
  You are free to practise your religion, speak your language and observe your traditions.
  
• Friendly neighbours : The neighbours are warm and welcoming. It’s easy to exchange a smile, a word or an invitation.

In short, you’ll never feel isolated. With a bit of openness, you’ll soon make new friends.

Legal and tax considerations in Dubai

Here is Key information on legal and tax matters When you move to Dubai to retire:

• No tax on income : In Dubai, you pay no income tax. You receive your pension in full, with no local deductions.
  No inheritance tax or wealth tax. A real advantage when it comes to protecting your assets.
  
• Think about your home country : Some countries tax your pension even if you live abroad. You should therefore check the tax treaties between your country and the UAE.
  A good tax adviser can help you avoid any nasty surprises when it comes to taxes. Don’t hesitate to seek help!
  
• Tax residence : If you live in Dubai for more than 183 days a year, you can become a UAE tax resident. This may mean you are no longer liable for tax in your country of origin (subject to local laws).
  
• Rights and responsibilities : As a pensioner, you must comply with local laws:
  
  • No alcohol in public
    
  • Appropriate attire in public places
    
  • Respect for local customs
    
    But don’t worry, Dubai is very tolerant towards expats.
    
• Important documents : Please remember to keep the following safe:
  
  • Your visa
    
  • Your health insurance
    
  • Your tenancy or purchase agreements
    
  • A copy of your will (if necessary)
    
• Should I consult a solicitor? It is not compulsory, but is recommended for:
  
  • Buying a property
    
  • Planning your estate
    
  • Clarify your tax situation

What if your retirement in Dubai could start today?

You’ve now reached the end of this guide on retirement in Dubai.

You now have a clear understanding of the the benefits of spending your retirement in the Emirates, visa requirements, the cost of living, the healthcare system, residential areas suitable for older people, and everything you need to know to get off to a smooth start.

Dubai is positioning itself as a a destination with a bright future for French-speaking pensioners in search of comfort, security and an exceptional quality of life, all within an attractive tax environment.

If you are seriously considering making Dubai your new home, it is essential to have the right support as you property development and your administrative procedures.

At Dubai Real Estate, our French-speaking team knows Dubai like the back of their hand. They’ll guide you every step of the way, with kindness and a smile: choosing a neighbourhood, remote or on-site viewings, buying or renting suitable properties, advice on retirement visas, and so on.

→ Get in touch with us now to receive personalised support!

Experience retirement in a different way – choose Dubai!