Health Insurance Law: Mandatory Health Insurance for UAE employees
Health Insurance is now considered as one of the requirements that all employers need to consider for their employees in order to continue business in the UAE. The Dubai Health Authority (DHA) has made it clear to the public that all employers have to provide health coverage to their staff and failure to do so will be handled seriously.
Failure by employers to provide insurance carries fines of between AED 500 and AED 150,000. Repeated breaches carry a maximum fine of AED 500,000.
The Law aims to build a unified health system in the UAE based on a sustainable financial plan that protects the interests of all participants in the health insurance scheme.
Responsibility of Employers:
- Responsible to enroll their employees in the mandatory health insurance scheme based on their current health insurance policy, and in accordance with the law and regulations.
- They should bear the cost of health insurance coverage and this should not be deducted from employees’ salary.
- They should ensure the validity of the health insurance coverage throughout the period of their employment.
- In the event that employees have no health insurance coverage, Employers are required to bear all the costs of health care and emergency services.
- Required to provide health insurance card to their employees.
- Required to submit proof of health insurance coverage when applying for new or renewal of residence visas for their employees.
- Any other responsibilities assigned by DHA as issued in the regulations.
SPMC-Dubai can assist for the compliance to this requirement.