Skip Ribbon Commands
Skip to main content
Home About Dubai Smart Government About Dubai Dubai Government Services Directory Smartphone Apps How to FAQs
Dubai eGovernment Banner
main navi Citizens main navi main navi Residents main navi main navi Businesses main navi main navi Visitors main navi main navi Government Entities main navi main navi
Font Management Font Management print form
main navi
Expo 2020
Service Directory
Browse By Language
Translated Pages in Other Languages


Important Links
Home > Life Events for Citizens > Getting medical treatment in Dubai > Health insurance for government and private employees in Dubai
Health insurance for government and private employees in Dubai

​All Dubai government employees and their dependants come under a health insurance scheme called Enaya, which is a strategic health insurance partnership between Dubai Health Authority and Neuron LLC. Enaya, which means ‘care’ in Arabic, provides all government employees and their dependants with comprehensive medical cover, depending on the grade of the government employee. This includes dental treatment, optical equipment and treatment for pre-existing and chronic diseases at both government and private hospitals and clinics.

From February 2010 an amendment in costs for private clinics and hospitals was undertaken whereby the government employee or dependant has to pay 20% of the cost for in-patient or out-patient treatment, 20% for medicines bought at a pharmacy, 50% cost for optical and 20% for dental treatment. However medical treatment at government hospitals will remain free for nationals with a nominal charge of AED 20 for expatriate government employees and their dependants.
 
Health insurance for private employees in Dubai is compulsory under Dubai Health Insurance Law No. 13 of 2013, (hereafter called ‘The Law) which came into effect  on 1 January 2014 to create ISAHD (Insurance System for Advancing Healthcare in Dubai). The Law makes it compulsory for employers and sponsors to provide health insurance in three phases:
 
·        Companies with more than 1,000 employees from 31 October 2014
·        Companies with 100-999 employees form 31 July 2015
·        Companies with less than 100 employees from 30 June 2016. (During this phase, all dependents of sponsors including spouses, children and domestic workers must be covered by basic health coverage, with costs borne by the sponsor, if the employer has not provided family covered insurance.)  
 
The Law also provides insurance coverage for UAE Nationals in both government and private sector that will cover healthcare services and additional preventive  and therapeutic health services. Visitors to Dubai and the UAE pay an additional insurance cost and are automatically covered for emergency health services.
 
The Law stipulates that the cost of health insurance coverage must be borne by the employer/sponsor and any employee forced to pay for health insurance can file a complaint with DHA. The Law makes it mandatory for employers to provide a minimum basic health coverage of AED 150,000 per year and pay an annual premium between AED 500-700. The minimum basic health coverage will be suitable for general doctor visits, emergency treatments, specialist visits, surgical, investigative and maternity procedures.
 
Failure by employers to provide health insurance carries fines of AED 500 to 150,000 with repeated failures leading to fines of AED 500,000. Employers and sponsors do not necessarily have to wait for the deadline and can take purchase health insurance cover for their respective groups in advance.
 
In June 2014, DHA completed a rigorous evaluation process and selected seven companies as Participatory Insurers (PI) to offer health insurance cover to employees of organizations and to individual sponsors whose salary was AED 4,000 and below. The selected PIs cannot refuse coverage to anyone who applies and can charge a premium ranging between AED 600 and 700. The seven PIs are: Axa Insurance, Ras Al Khaimah National Insurance Company, National Health Insurance Company (Daman), Oman Insurance Company, Orient Insurance Company, Metalife Alico, & Takaful Emarat Insurance.
 
Complaints can be made by phone to DHA or online through ISAHD.
 
Selected participatory insurance companies (PIs) in Dubai - ISAHD

 

Published Date : 01/07/2015Back
RELATED GOVERNMENT ENTITIES
Dubai Health Authority
Dubai Civil Defence Department
Dubai Police
Ministry of Health
Ministry of Economy
Dubai Corporation for Ambulance Services

RELATED PRIVATE LINKS
Emirates Medical Association
Dubai City Guide
Dubai Explorer
Moorfields Eye Hospital Dubai

RELATED TOPIC LINKS
Getting access to healthcare – Gulf News
File medical complaint with the right authority – Gulf News
Guidelines to help travellers avoid bringing in banned medicines to UAE – Gulf News

THIS LIFE EVENT SUPPORTED BY
Support
For private sector
Not listed here? Do you wish to contribute?
Talk to our content team.

FOR CUSTOMERS
Did you find any incorrect information? Any suggestions?
Help us improve.


Life Events Top Category

Individual Life Events

Sublife Event Title

Life Events Supporting Partners

Rank

Published Date

ExpiryDate

AlertDays

Body

Life Event Banner

Related Government Entity

Related Topics

Related Private Links

AlertUpdateDate

AlertNewDate

TopCategory:TopCategoryArabic

TopCategory:TopCategoryEnglish

ArticleCategory:CategoryArabic

ArticleCategory:CategoryRank

ArticleCategory:CategoryIconURL

ArticleCategory:CategoryEnglish

ArticleCategory:ShowOnHomePage

GovernmentEntity:ArabicURL

GovernmentEntity:EnglishURLText

GovernmentEntity:EnglishURL

GovernmentEntity:ArabicURLText

PrivateLinks:ArabicURLText

PrivateLinks:ArabicURL

PrivateLinks:EnglishURLText

PrivateLinks:EnglishURL

TopicLinks:EnglishURLText

TopicLinks:EnglishURL

TopicLinks:ArabicURLText

TopicLinks:ArabicURL

ArticleSupDepart:ImageName

ArticleSupDepart:DepartmentURL

ArticleCategory:AdditionalTopCategory

ArticleCategory:ID

ArticleCategory:RankCitizen

ArticleCategory:RankResidents

ArticleCategory:RankBusinesses

ArticleCategory:RankVisitors

ModificationDt

MobileRank

Attachments

Created at by
Last modified at by
advertisementspaceradvertisementspaceradverstisement
Contact Us |Feedback|Site Map |Privacy Policy |Terms and Conditions |Disclaimer
Dubai Smart Government
Happiness Meter