In addition, you will have access to the best medical centers in the country, staffed by doctors and other professionals who speak English as their mother tongue. With private health insurance, you can also choose specific, personalized additions to your coverage. It`s easy to summarize – expats in the UAE will mostly work in Abu Dhabi or Dubai, and for that, they need health insurance. This is required by law and if you are looking for a place of residence, you must be able to prove that you are insured. The UAE has an excellent healthcare infrastructure. Over the past decade, the number of health facilities and professionals has increased. In some cases, the number of health professionals working in the industry has quadrupled to meet demand. The UAE is now a highly sought-after medical destination for people looking for quality treatment outside their own country. According to experts, the emirates such as Sharjah, Ajman, um Al Quwain, Ras Al Khaimah and Fujairah do not have legislation on health insurance for employees and from now on, it is not mandatory to take out health insurance. The provision of health insurance for employees is based on company policy.
The Health Insurance Department of the Sharjah Health Authority oversees health insurance coverage for UAE nationals in the Emirate of Sharjah. Initially, the Sharjah government only offered health insurance to Sharjah government employees, their dependents, and elderly Emiratis (those 60 or older). However, since January 2020, it has decided to extend insurance coverage to all citizens of Sharjah. As for dependents, the employer only has to pay 50% of the coverage, while the rest is paid by the sponsor or employee. For additional relatives, the employee is obliged to pay for his health insurance. All government employees in Ajman have health insurance. Dubai has introduced the Essential Benefits Plan (EBP) to ensure medical care to those earning lower wages. So, if you want to know the extent of the employer`s health insurance and who pays the costs, here`s a detailed breakdown. In Dubai, employers are required by law to provide medical coverage to their employees. Article 10(2) states that employers may not deduct premiums or reduce the employee`s salary in order to reduce the cost of insurance cover. Individuals and organizations residing in the United Arab Emirates (UAE) should be aware of local legal requirements for health insurance.
Otherwise, they run the risk of encountering difficulties with UAE regulators. This article discusses these legal requirements. The United Arab Emirates is a constitutional federation of seven emirates: Abu Dhabi, Dubai, Sharjah, Ajman, um Al Quwain, Ras Al Khaimah and Fujairah. There are several insurance companies in the UAE. Many also offer Islamic insurance (takaful). Visit the Insurance Authority`s website for a list of insurance companies registered in the United Arab Emirates. Dubai law states that employers are required to provide their employees with minimum health insurance under Dubai law, and sponsors are required to cover those they sponsor (unless they have already been covered by an employer). Recently, HAAD amended the basic plan to include age groups for specific age groups to cover their own costs of medical services by introducing co-payments and deductibles as part of the basic plan. Regulations issued under Dubai Act establish the Essential Benefits Scheme (EBP) for the compulsory insurance scheme in Dubai. The EBP premium is AED 500 to 700 per year for the provision of insurance services up to a total coverage of AED 150,000 per year.
However, EBP coverage can only be sold by an insurer if it is specifically authorized to sell such plans. These insurers are called participating insurers and can only offer their products to low-wage workers earning AED 4,000 or less. Other insurers licensed with a Health Insurance Authorization (HIP) under the DHA licensing system may offer «enhanced products» to residents who are not in the salary range above, and these will generally be medical products according to DHA`s standard notices, circulars, and policy guidelines. When choosing health insurance, quantitative data will be crucial when analyzing policy outcomes. It will be important to calculate the number of activities, the cost of the activities, the number of people covered by the insurance package, the rate of certain diseases, as well as the mortality rate. And you can also get expert advice. Medical services in the UAE, while generally of very high quality, can be expensive. Therefore, it is highly recommended that all individuals, families and groups in the UAE, GCC or Arabian Peninsula take out comprehensive health insurance in the UAE. The minimum insurance coverage for expats is set out in Abu Dhabi`s Basic Plan, which is provided by the National Health Insurance Company (Daman).