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