In the UAE, health insurance is mandatory for all employees. The responsibility usually falls on employers and sponsors. Rules differ slightly depending on the emirate and whether you are covering dependents.
Abu Dhabi
Employers in Abu Dhabi must provide health insurance for their employees and typically for their families. This usually covers one spouse and up to three children under 18. Individuals earning under AED 5,000 per month, or AED 4,000 with housing allowance, are entitled to a basic coverage plan. Families with more children or those seeking extended coverage can purchase additional plans.
Dubai
Dubai has strict health insurance requirements under the Dubai Health Insurance Law, effective since January 2014. Employers must provide an Essential Benefits Plan (EBP) for employees. Premiums usually range from AED 550 to AED 650. Employees whose employers only cover themselves must arrange separate coverage for their dependents, including spouse, children, and parents.
Northern Emirates
In Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah, and Fujairah, all private sector employees and domestic workers must have basic health insurance. The Ministry of Human Resources and Emiratisation (MOHRE) introduced the Health Insurance Scheme in December 2024. This scheme ensures all workers have access to healthcare. Dependents receive the same benefits as the worker, according to the insurance policy.
Who Handles Health Insurance?
Employers are responsible for purchasing health insurance in UAE. This is required to issue or renew residency permits. Policies can be obtained through accredited insurance providers or government networks like DubaiCare. These channels offer competitive rates, making it affordable for employers while ensuring workers get proper coverage.
Key Points to Remember
- Employers cover employees and usually their families.
- Rules differ slightly between Abu Dhabi, Dubai, and the northern emirates.
- Dependents not covered by employers must be insured by the sponsor.
- Health insurance is linked to residency permits in the UAE.
Health insurance in UAE ensures everyone has access to healthcare. Employers, sponsors, and government schemes work together to make coverage available. Understanding your rights and responsibilities helps avoid fines and ensures proper medical care.
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