The UAE’s introduction of mandatory visitor insurance in 2024 transformed the entry process. Consequently, navigating these new rules is now a fundamental part of visa planning. Specifically, the policy mandates a minimum coverage of AED 150,000 for medical emergencies. Meanwhile, the cost is fixed at AED 40 for a 30-day visa and AED 60 for a 60-day visa, a standardized fee across the market. This means choosing the right partner to handle this requirement is as important as the policy itself.
2026 marks a period of full integration and streamlined compliance for UAE visa medical insurance. This aligns with the UAE government’s vision for a secure and resilient tourism sector. For travelers and businesses, this system ensures that every visitor has a basic safety net. Moreover, it protects the country’s healthcare infrastructure. Therefore, comprehending this requirement is not just about compliance; it’s about responsible travel.
Practical implications of the UAE visa medical insurance are significant for your trip’s planning and budget. It revolutionizes the approach to travel risk, shifting it from optional to mandatory. Stakeholders benefit from a standardized, transparent, and affordable system. Additionally, the integration with the visa application process via platforms like Ninthware ensures efficiency. Consequently, applicants receive their insurance certificate simultaneously with their visa grant, simplifying the entire process.
Understanding UAE Visa Medical Insurance
UAE visa medical insurance is a compulsory health coverage policy mandated by the Federal Authority for Identity, Citizenship, Customs & Port Security (ICP). First, it is a condition for issuing any short-term tourist or visit visa to the United Arab Emirates. This specific insurance product is designed to cover emergency medical situations during the visitor’s stay. Furthermore, it is distinct from comprehensive international travel insurance, focusing solely on acute medical care and emergencies. The policy is electronically linked to your visa application, creating a seamless digital record for authorities.
Secondly, the core purpose is to safeguard both the visitor and the UAE’s public health resources. Previously, uninsured visitors could face astronomical medical bills in case of accidents or illness. Therefore, the government implemented this rule to prevent such financial hardships and ensure timely medical treatment. Specifically, the coverage includes hospitalization, emergency room visits, and essential treatments. Meanwhile, it excludes pre-existing conditions, routine check-ups, and elective procedures, keeping the premium accessible.
The mechanism of this insurance is integrated directly into the visa issuance workflow. When a visa application is submitted through an authorized agent like Zami Tours, the insurance is automatically generated. Moreover, the system selects from a panel of approved UAE-based insurance companies. This integration, often powered by automated B2B platforms like Ninthware, guarantees compliance and instant policy generation. Consequently, the traveler receives a visa copy and an insurance certificate as part of the same approval package.
Key characteristics of this mandatory insurance include:
- Government-Mandated Pricing: Fixed at AED 40 (30-day visa) and AED 60 (60-day visa).
- Minimum Coverage: AED 150,000 for medical emergencies per person, per policy.
- UAE-Based Insurers: Must be purchased from a company approved by UAE authorities.
- Validity Alignment: Policy validity matches the visa validity period exactly.
- Electronic Linkage: The policy is digitally attached to your passport/visa number in government systems.
- Emergency Focus: Covers sudden illness, accidents, and COVID-19, but not chronic disease management.
- Non-Refundable: Premiums are typically not refundable once the visa application is processed.
- Universal Requirement: Applies to all nationalities applying for a UAE tourist visa.
Why Mandatory Visitor Insurance Matters in 2026
The implementation of mandatory visitor insurance is a strategic move by the UAE, reflecting global best practices in travel and healthcare management. Currently, the policy addresses several critical issues that previously posed risks to the system. For instance, it eliminates the burden of unpaid medical bills on UAE hospitals, which were often left to cover the cost of treating uninsured tourists. Additionally, it ensures that every visitor can access emergency care without hesitation due to cost concerns, enhancing the country’s reputation as a safe destination.
From a traveler’s perspective, this requirement matters profoundly for personal financial security. Medical emergencies abroad can be devastatingly expensive. A single hospital visit in the UAE can easily cost tens of thousands of dirhams. Therefore, the mandatory AED 150,000 coverage acts as a crucial financial shield. Moreover, the inclusion of coverage for COVID-19 and other infectious diseases provides specific, relevant protection in the post-pandemic travel landscape. This foresight offers travelers significant peace of mind.
For the UAE’s ecosystem, this insurance supports sustainable tourism growth. It allows authorities to manage public health resources more effectively. Consequently, the healthcare system can maintain high standards for both residents and visitors. Meanwhile, it reduces the risk of health-related incidents disrupting a visitor’s trip and causing diplomatic or logistical complications. The standardized system also brings transparency, preventing unscrupulous agents from selling overpriced or inadequate insurance to uninformed applicants.
Furthermore, the integration of this insurance with the visa process via technology platforms streamlines operations for everyone involved. Travel agents and visa processors, like Zami Tours which handles 1000+ UAE visas daily, can ensure 100% compliance automatically. This automation reduces human error and guarantees that no application proceeds without the required cover. Hence, the overall process becomes faster and more reliable, contributing to the UAE’s goal of being a leader in efficient, digital government services.
Key Features and Benefits of the Compliant Policy
The compliant UAE visa medical insurance policy, while basic, offers a structured set of features designed for practical emergency use. Primarily, it provides emergency medical expense coverage up to AED 150,000. This sum is sufficient for most emergency hospitalizations, surgeries, and treatments in the UAE. Additionally, it specifically includes treatment for COVID-19, a vital inclusion that has become standard. The policy also covers expenses related to emergency medical evacuation and repatriation of remains, which are critical in severe cases.
Another significant feature is the network of hospitals and clinics. Approved insurers maintain extensive networks across all seven emirates. Therefore, a policyholder can visit any network facility for cashless treatment. Alternatively, they can pay upfront at a non-network facility and claim reimbursement later. This flexibility is crucial during emergencies where the nearest hospital must be used. Moreover, most insurers provide a 24/7 multilingual helpline for assistance with finding treatment centers and managing claims.
The benefits extend beyond the individual traveler to the entire travel ecosystem. For families traveling together, knowing each member is covered reduces anxiety. For business travelers on short trips, it fulfills a corporate duty of care requirement efficiently. The policy also benefits tour operators and hotels by mitigating their potential liability for guest medical incidents. Consequently, the entire hospitality industry operates with an added layer of security and professionalism.
Key practical benefits include:
- Financial Safety Net: Protects against unexpected, crippling medical bills in a high-cost healthcare environment.
- Guaranteed Visa Compliance: Possession of the policy is a non-negotiable condition for visa approval.
- Rapid Access to Care: The insurance facilitates admission to hospitals without lengthy payment disputes.
- Administrative Simplicity: Handled by your visa agent, requiring no separate shopping or complex comparisons.
- Peace of Mind: Allows travelers to focus on their visit rather than worrying about “what if” scenarios.
- Standardized Quality: All approved policies meet the government’s minimum standards, ensuring baseline quality.
- Digital Convenience: The insurance certificate is typically a digital document, easy to store on your phone.
- Supports Extension: If you legally extend your visa, you can purchase a new corresponding policy seamlessly.
UAE Visa Medical Insurance Current Landscape for 2026
The UAE visa medical insurance landscape in 2026 is characterized by full maturity, digital integration, and strict enforcement. Following its 2024 launch, the system has moved past teething problems and is now a smooth, automated component of visa issuance. Currently, all registered typing centers, tourism companies, and airlines filing visas are required to attach an insurance policy to every application. Furthermore, the Federal Authority for Identity and Citizenship (ICP) and the Dubai General Directorate of Residency and Foreigners Affairs (GDRFA) systems automatically validate this linkage.
Approved insurance providers now form a curated panel of leading UAE insurance companies. These include giants like Oman Insurance Company (OIC), Dubai Insurance Company, Abu Dhabi National Insurance Company (ADNIC), and Orient Insurance. Moreover, these providers offer standardized products that meet the government’s specifications, though some may offer slightly enhanced benefits as competitive differentiators. The key for applicants is to ensure their agent uses an approved provider; reputable agents like Zami Tours automatically source from this approved list.
A significant trend in the current landscape is the complete embedding of insurance issuance within visa processing software. Platforms like Ninthware, used by high-volume processors, have API integrations with multiple insurers. Consequently, when an agent submits a visa application, the software simultaneously triggers a policy purchase from the insurer’s system. This happens in seconds, eliminating manual steps and guaranteeing accuracy. This level of automation is why agents can process “100+ multiple entry visas daily” with high efficiency.
The regulatory focus has also shifted towards consumer awareness and anti-fraud measures. Authorities actively educate travelers to verify that their visa fee includes the legitimate AED 40/AED 60 insurance component and to request their policy details. Conversely, they crack down on agents who might try to charge extra for this mandatory item or sell fake policies. This regulatory vigilance makes it safer for travelers but underscores the importance of using accredited service providers with transparent all-inclusive pricing.
UAE Visa Medical Insurance Requirements and Process
Navigating the UAE visa medical insurance requirements is straightforward when you understand the official specifications. The primary requirement is the purchase of a policy from a UAE-based insurance company approved by the relevant immigration authority (ICP or GDRFA). Specifically, the policy must have a minimum coverage limit of AED 150,000 for emergency medical expenses. Furthermore, the policy’s period of coverage must exactly match the validity dates of the issued visa, not the dates of travel. This is a crucial detail often overlooked.
The process for obtaining this insurance is inherently tied to the visa application process. As an individual applicant, you cannot purchase this specific standalone policy directly; it must be procured through the entity sponsoring your visa. This is typically a licensed UAE tourism company, airline, or hotel. Therefore, your chosen visa service provider handles the insurance purchase on your behalf. They will include the AED 40 or AED 60 premium in your total visa fee and will be responsible for attaching the policy to your application in the government system.
Step-by-step, the integrated process looks like this:
- You submit your visa application documents and fees to an authorized agent like Zami Tours.
- The agent inputs your data into the visa processing system (e.g., Ninthware platform).
- Upon submission to immigration, the system automatically generates an insurance policy with an approved provider.
- The insurance premium (AED 40/60) is paid by the agent to the insurer via integrated payment.
- The policy number and details are electronically linked to your visa application file.
- Once the visa is approved, you receive both the e-visa and the insurance certificate/policy document.
Required documents from you for this process are simply the documents needed for the visa itself: a clear passport copy, a photograph, and possibly a flight itinerary. You do not need to provide any separate documents for the insurance. However, it is your responsibility to review the final insurance certificate for accuracy of your name, passport number, and coverage dates. A reliable agent will ensure this is correct before sending it to you.
UAE Visa Medical Insurance Cost Analysis and Pricing
A transparent UAE visa medical insurance cost analysis reveals a simple, government-capped pricing structure. The insurance premium itself is fixed: AED 40 for a 30-day (single-entry) tourist visa and AED 60 for a 60-day (single-entry) tourist visa. This is non-negotiable and standardized across all approved providers. However, this cost is almost always part of a larger “all-inclusive” visa package offered by agents. Therefore, understanding the full fee breakdown is essential to avoid being overcharged or falling for scams that hide the insurance cost within inflated service fees.
The total cost of your UAE tourist visa includes several components: the government immigration fee, the insurance premium (AED 40/60), the agent’s service charge, and sometimes a knowledge and innovation fee. A reputable company will provide a clear, itemized breakdown. For example, Zami Tours champions transparent all-inclusive pricing, ensuring clients see exactly what they are paying for. This transparency is your best defense against hidden costs.
It is critical to distinguish the mandatory insurance cost from the total visa fee. Some fraudulent agents may quote a low visa fee “excluding insurance,” then surprise you with an additional, inflated “insurance charge” at the last minute. The legitimate practice is to include the AED 40/60 in the upfront quote. If you are quoted a total price significantly lower than market rates, it likely excludes this mandatory component, and you will face an extra charge later.
| Fee Component | 30-Day Tourist Visa | 60-Day Tourist Visa | Notes |
|---|---|---|---|
| Government Immigration Fee | AED 200 – 250 | AED 300 – 400 | Set by ICP/GDRFA, varies by emirate and visa type. |
| Mandatory Medical Insurance | AED 40 | AED 60 | Fixed, non-negotiable premium. |
| Service Charge (Agent Fee) | AED 150 – 300 | AED 200 – 350 | Covers processing, documentation, support. Varies by agent. |
| Knowledge & Innovation Fee | AED 20 – 30 | AED 20 – 30 | Small mandatory government fee. |
| Total All-Inclusive Estimate | AED 410 – 620 | AED 580 – 840 | Transparent quote should include all items. |
When comparing prices, ensure you are comparing like-for-like all-inclusive packages. The cheapest option is not always the best if it compromises on service reliability, approval speed, or uses non-compliant insurance. Investing a little more with a trusted provider like Zami Tours, which boasts a 98% approval success rate and processes 1000+ visas daily, ensures a smooth, predictable, and compliant experience.
Step-by-Step Guide to Purchasing Compliant Insurance
Purchasing compliant UAE visa medical insurance is a process seamlessly executed by your visa agent. However, as an informed traveler, understanding the steps ensures you can verify that everything is done correctly. First, you must select an authorized visa service provider. This is the most critical step. Choose a company licensed by the UAE Tourism Department (e.g., Zami Tours) with a proven track record. Check reviews and confirm they offer all-inclusive pricing that mentions the mandatory insurance.
Next, you will submit your visa application form and required documents to the agent. Typically, this is done online via a secure form. At this stage, you will pay the total all-inclusive fee quoted to you. A professional agent will then initiate the visa application process in the government system. Subsequently, their operating system (like the Ninthware platform) will automatically assign an insurance policy from its panel of approved insurers. This happens in real-time, with no action required from you.
Once the visa is approved (which can be as quick as 24-48 hours), the agent will send you the electronic visa (PDF) and the insurance policy document/certificate. You must carefully review both documents. Specifically, check that your name and passport number on the insurance certificate match your passport exactly. Also, verify that the policy start and end dates cover the entire validity period of your visa. Finally, save digital copies of both documents on your phone and print physical copies to carry with you when you travel.
To ensure a smooth purchase, follow this checklist:
- ✅ Use only a licensed UAE visa agent or approved airline/hotel.
- ✅ Request and confirm an all-inclusive quote that lists the AED 40/AED 60 insurance fee.
- ✅ Ask which approved insurance provider they use (e.g., OIC, ADNIC, Dubai Insurance).
- ✅ Upon receiving your visa approval package, verify the insurance certificate details.
- ✅ Ensure you have the insurer’s 24/7 emergency contact number saved.
- ✅ Carry both digital and printed copies of the visa and insurance when traveling.
- ✅ Understand the policy’s claims process, though hope you never need to use it.
UAE Visa Medical Insurance Comparison and Analysis
When conducting a UAE visa medical insurance comparison, it’s important to understand that the core product is standardized. The minimum coverage (AED 150,000), key inclusions (emergency medical, COVID-19, evacuation), and premium (AED 40/60) are fixed by regulation. Therefore, the comparison shifts from price to the reliability of the provider, the efficiency of the issuance process, and the quality of the insurer’s support network. For the traveler, the most relevant comparison is between different visa service agents, not between insurance policies themselves.
Analysis should focus on the agent’s ability to deliver a compliant policy instantly and without error. Agents using advanced, automated platforms have a distinct advantage. For instance, Zami Tours’ integration with the Ninthware system means insurance is generated with zero manual intervention, drastically reducing the chance of errors in name or date. Conversely, agents using manual methods may cause delays or mistakes that could complicate entry at the UAE border.
Another angle for comparison is the insurer’s hospital network and customer service. While the coverage amount is the same, some insurers have more extensive networks of cashless hospitals across the UAE. A top-tier agent will partner with insurers known for broad networks and efficient claim settlement. Although this is often invisible to the traveler until an emergency occurs, it represents a significant value difference in the service chain. Therefore, choosing an agent with strong insurer partnerships is a wise, albeit indirect, way to secure better insurance service.
Finally, compare the transparency and support offered. Does the agent explain the insurance details? Do they provide the full policy wording upon request? Are they available to assist if you have a medical emergency in the UAE? The best providers don’t just sell you a visa; they offer a support ecosystem. This analysis leads to a clear conclusion: the optimal choice is a high-volume, tech-enabled, transparent agent with a high approval rate. This combination ensures the insurance product is not just a compliant checkbox but a reliable safety net.
Common Challenges and Solutions for Visa Insurance
Despite the streamlined system, applicants can face challenges with their UAE visa medical insurance. A common issue is a discrepancy between the name on the passport and the name on the insurance certificate. Even a minor typo can cause problems during travel. The solution is meticulous verification the moment you receive your documents. If you spot an error, contact your agent immediately to have it corrected. Reputable agents will rectify this quickly, as the policy is digitally modifiable before travel.
Another challenge arises when travelers extend their stay. The original insurance is only valid for the original visa period. If you legally extend your visa inside the UAE, your existing insurance becomes invalid. The solution is to purchase a new mandatory insurance policy for the extension period. Your visa extension sponsor (hotel, airline, or agent) should facilitate this, often at the same AED 40/AED 60 rate prorated for the extension duration. Do not overstay without securing both the visa and insurance extension.
Confusion about coverage scope is also frequent. Travelers might assume the policy covers trip cancellation, lost baggage, or routine doctor visits. It does not. The solution is to manage expectations. This is an emergency medical coverage policy. If you want comprehensive travel insurance (for trip interruption, baggage, etc.), you should purchase an additional, separate international travel insurance policy from a provider in your home country or a global insurer. The UAE mandatory insurance and comprehensive travel insurance can coexist.
Finally, the challenge of fraudulent or non-compliant policies sold by disreputable agents persists. The solution is rigorous due diligence. Always work with licensed companies. Check their trade license number. Use official payment channels, not personal bank transfers. Verify that the insurance certificate includes a genuine policy number from a known UAE insurer and that you can validate it. By choosing an established provider like Zami Tours, which processes 1000+ visas daily through its automated systems, you effectively eliminate this risk.
Mandatory Insurance vs. Comprehensive Travel Insurance
Understanding the difference between mandatory UAE visa medical insurance and comprehensive travel insurance is crucial for adequate protection. The mandatory insurance is a legal requirement for entry, with a specific, narrow focus. Conversely, comprehensive travel insurance is an optional, broader product you purchase for overall trip protection. The former is about compliance and emergency health; the latter is about financial investment protection for your entire trip.
Mandatory visa insurance covers emergency medical situations, full stop. Its benefits are clearly defined: hospital bills, emergency evacuation, and COVID-19 treatment up to AED 150,000. In contrast, comprehensive travel insurance typically includes trip cancellation/interruption, delay, lost/delayed baggage, personal liability, and often higher medical limits. It is designed to reimburse you for non-refundable trip costs and a wider range of travel mishaps.
Therefore, the two are not interchangeable but are complementary. For a worry-free trip to the UAE, you need both. You need the mandatory insurance to get your visa and enter the country. Additionally, you may want comprehensive insurance to protect your flight and hotel investments if you need to cancel for a covered reason (e.g., illness before departure) or to cover baggage losses. Many savvy travelers purchase the mandatory policy through their visa agent and a separate comprehensive policy from their preferred global insurer.
The key takeaway is not to mistake one for the other. Do not assume your comprehensive policy from home satisfies the UAE’s specific visa requirement—it almost certainly does not. Similarly, do not assume the AED 40 mandatory policy will cover you if your flight is canceled. By understanding the distinct roles of each product, you can build a layered defense that covers all risks, from visa denial at the outset to a sprained ankle during your desert safari.
Expert Implementation Tips for 2026 Travelers
For travelers in 2026, implementing a smooth visa and insurance process requires a proactive strategy. First, apply for your visa well in advance—at least 2-3 weeks before your travel date. This buffer allows time to correct any unforeseen issues with your application or documentation, including the insurance attachment. Furthermore, it reduces stress and gives you the confidence that everything is in order before you book non-refundable activities.
Second, maintain a digital folder for all your travel documents. Save your e-visa, insurance certificate, flight tickets, and hotel confirmations in a dedicated cloud folder (like Google Drive) and also download copies to your phone. Specifically, take a screenshot of your insurance certificate’s front page with the emergency contact number and keep it as your phone’s lock screen wallpaper for instant access. This simple step can save critical time in an emergency.
Third, educate yourself on the claims process before you travel. While your agent can guide you, know the basics: in a medical emergency, call the insurer’s 24/7 helpline first. They will guide you to a network hospital for cashless treatment. If you must pay upfront, keep all original receipts and reports to file a claim later. Being prepared mentally reduces panic during a real crisis.
Finally, build a relationship with a reliable visa expert. Having a go-to professional contact like the team at Zami Tours, accessible via their WhatsApp service at +971-54 552 6133, is invaluable. They can assist with future visas, extensions, and urgent queries. This relationship turns a transactional service into a travel partnership, ensuring that your documentation, including your UAE visa medical insurance, is always handled with expertise and care.
Future Outlook and Final Advice for UAE Visitors
The future outlook for UAE visa medical insurance points towards further digitalization and potential product enhancements. We may see the integration of this policy into a unified “UAE Travel Pass” digital wallet on a government app. Additionally, as healthcare costs evolve, the minimum coverage amount of AED 150,000 may be reviewed and adjusted. There is also potential for offering travelers optional upgrade tiers at the point of visa application for higher medical limits or added benefits, all within the same streamlined system.
For the foreseeable future, however, the core requirement will remain. Therefore, the final advice for all UAE visitors is to respect this regulation as a fundamental part of trip planning. Do not seek shortcuts or try to avoid it. The cost is minimal relative to the protection it affords and the consequences of non-compliance (visa denial or entry refusal). Embrace it as a sign of the UAE’s advanced and responsible approach to hosting international guests.
Choose your service partners wisely. Opt for transparency, technology, and volume. A company that processes a high volume of visas daily, like Zami Tours, has optimized the process to perfection. Their use of the Ninthware system for automation and their B2B portal for agents (visa.zamitours.ae) are testaments to a professional, scalable operation. This expertise directly benefits you through speed, accuracy, and reliability.
In conclusion, the UAE visa medical insurance is a straightforward, affordable, and essential component of your journey. By understanding its requirements—the AED 40-60 cost, the AED 150,000 coverage, the approved providers—and by partnering with a reputable agent, you decode what seems complex into a simple step. This ensures you meet all entry requirements and travel with the assurance that your health and finances are protected, allowing you to fully enjoy the unparalleled experiences the United Arab Emirates has to offer.
Frequently Asked Questions (FAQs)
Is UAE visa medical insurance mandatory for all tourist visas?
Yes, since 2024, all applicants for UAE tourist visas (30-day, 60-day, 90-day, and multiple-entry) must purchase mandatory medical insurance from an approved UAE provider as part of the visa application process.
What is the exact cost of the mandatory UAE visa medical insurance?
The government-mandated premium is AED 40 for a 30-day visa and AED 60 for a 60-day visa. This provides a minimum coverage of AED 150,000. Ensure your total visa quote includes this specific component.
Can I use my international travel insurance for a UAE visa?
No. You must purchase insurance from a UAE-based company approved by the Immigration Authority. International or home country policies are not accepted for the visa issuance requirement.
What does the AED 40-60 UAE visa medical insurance cover?
It covers emergency medical expenses up to AED 150,000, including COVID-19 treatment, emergency medical evacuation, and repatriation of remains. It is designed for emergencies, not routine check-ups.
How do I prove I have the correct UAE visa insurance?
The insurance policy number is electronically linked to your visa application in the government system. A reputable agent like Zami Tours will provide you with the insurance certificate and policy details upon issuance.
What happens if my UAE visa is rejected? Is the insurance fee refundable?
The mandatory insurance premium is generally non-refundable once the visa application is submitted, as the insurance is activated upon submission. Choosing a provider with a high approval rate is crucial.
Can I extend my UAE visa medical insurance if I extend my visa?
Yes, but you must purchase a new policy aligned with the new visa validity period. The old policy cannot be extended. The cost for the extension will follow the same AED 40/AED 60 structure.
How long does it take to get UAE visa insurance?
It is issued instantly upon visa application submission through integrated systems like Ninthware. When you apply with an authorized agent, the insurance is generated simultaneously with the visa filing.
Conclusion
Navigating the requirements for UAE visa medical insurance is a fundamental step in planning your visit to the Emirates. This guide has decoded the essential elements: the fixed cost of AED 40-60, the non-negotiable minimum coverage of AED 150,000, the necessity of using an approved UAE provider, and the seamless integration of the purchase with your visa application. By understanding these specifications, you protect yourself from financial risk, ensure compliance with UAE immigration law, and contribute to the sustainable ecosystem of tourism in the country.
The process, especially when facilitated by an expert partner, is designed to be simple and efficient. The key is to prioritize transparency and reliability in your choice of visa service agent. With the right support, your UAE visa medical insurance becomes not a hurdle, but a straightforward component of your travel preparations—a small investment for significant peace of mind. As you look forward to the dazzling sights and experiences of the UAE, take confidence in knowing that your health and safety are covered from the moment your visa is issued.
Official UAE Resources:
Official UAE Portal |
Dubai GDRFA |
Federal Authority for Identity & Citizenship (ICP)
