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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 30% 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 : 02/07/2014Back
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

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Life Events Top Category

Citizens; Residents

Individual Life Events

Getting medical treatment in Dubai

Sublife Event Title

Health insurance for government and private employees in Dubai

Life Events Supporting Partners

Dubai Health Authority

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1

Published Date

06/06/2011

ExpiryDate

05/06/2017

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0

Body

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 30% 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

 

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Related Government Entity

Dubai Health Authority; Dubai Civil Defence Department; Dubai Police; Ministry of Health; Ministry of Economy; Dubai Corporation for Ambulance Services

Related Topics

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

Related Private Links

Emirates Medical Association; Dubai City Guide; Dubai Explorer; Moorfields Eye Hospital Dubai

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AlertUpdateDate

02/07/2014

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06/06/2011

TopCategory:TopCategoryArabic

للمواطنين; المقيمون

TopCategory:TopCategoryEnglish

Citizens; Residents

ArticleCategory:CategoryArabic

العلاج في دبي

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ArticleCategory:CategoryIconURL

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Getting medical treatment in Dubai

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http://www.dha.gov.ae/; http://www.dcd.gov.ae/; http://www.dubaipolice.gov.ae/; http://www.moh.gov.ae/ar; http://www.economy.gov.ae; http://www.ambulance.gov.ae/

GovernmentEntity:EnglishURLText

Dubai Health Authority; Dubai Civil Defence Department; Dubai Police; Ministry of Health; Ministry of Economy; Dubai Corporation for Ambulance Services

GovernmentEntity:EnglishURL

http://www.dha.gov.ae/; http://www.dcd.gov.ae/; http://www.dubaipolice.gov.ae/; http://www.moh.gov.ae/en; http://www.economy.gov.ae; http://www.ambulance.gov.ae/

GovernmentEntity:ArabicURLText

هيئة الصحة بدبي; الإدارة العامة للدفاع المدني - دبي; شرطة دبي; وزارة الصحة; وزارة الاقتصاد; مؤسسة دبي لخدمات الإسعاف

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جمعية الإمارات الطبية; دليل مدينة دبي; إكسبلورر; مستشفى مورفيلدز دبي للعيون

PrivateLinks:ArabicURL

http://ema-uae.info/; http://www.dubaicityguide.com/; http://www.liveworkexplore.com/; http://www.moorfields.ae/ar/Default.aspx

PrivateLinks:EnglishURLText

Emirates Medical Association; Dubai City Guide; Dubai Explorer; Moorfields Eye Hospital Dubai

PrivateLinks:EnglishURL

http://ema-uae.info/; http://www.dubaicityguide.com/; http://www.liveworkexplore.com/; http://www.moorfields.ae

TopicLinks:EnglishURLText

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

TopicLinks:EnglishURL

http://www.gulfnews.com/nation/Health/10182976.html; http://www.gulfnews.com/nation/Health/10208650.html; http://www.gulfnews.com/nation/Health/10195641.html

TopicLinks:ArabicURLText

الحصول على الخدمات الطبية في دبي– جريدة جلف نيوز; التقدم بشكوى حول الخدمات الطبية للجهات المعنية– جريدة جلف نيوز; إرشادات للزائرين حول الأدوية الممنوعة في دولة الإمارات– جريدة جلف نيوز

TopicLinks:ArabicURL

http://www.gulfnews.com/nation/Health/10182976.html; http://www.gulfnews.com/nation/Health/10208650.html; http://www.gulfnews.com/nation/Health/10195641.html

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http://www.dha.gov.ae/EN/Pages/default.aspx

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ArticleCategory:RankVisitors

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02/07/2014

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Created at 06/06/2011 18:11 by Ali Developer
Last modified at 02/07/2014 09:07 by Atef AlRifai