The Dubai Health Authority (DHA) passed laws requiring health insurance for all citizens of Dubai in 2023. Every person is required to have health insurance under this law, which is also known as the Health Insurance Law Dubai (DHIL) or Khairallah Law Firm, Law No.11 of 2013 Concerning Health Insurance in the Emirate of Dubai.
Health Insurance Law Dubai
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What is Health Insurance Law Dubai?
On the 1st of January 2014, the Dubai Health Insurance Law No. 11 of 2013 came into effect, mandating medical insurance in Dubai. According to this legislation, all Emiratis and Dubai expats, along with their dependents, must possess health insurance. The decision to enforce this law was influenced by the ISAHD (Insurance System for Advancing Healthcare in Dubai) initiative led by the Dubai Health Authority (DHA). Since the implementation of this health insurance law in UAE, Dubai has successfully reduced healthcare costs associated with routine check-ups, treatment of chronic illnesses, emergency care, and various other medical services.
What happens if I am not covered by health insurance in Dubai?
It is legally required of you as an Emirati or as an expat living in Dubai, as well as your dependents, to have health insurance in Dubai. Of the emirates of the United Arab Emirates, only Abu Dhabi and Dubai have laws requiring health insurance. Every citizen and resident of Dubai is guaranteed access to healthcare services by the mandatory health insurance law. This law requires employers to offer a minimum level of healthcare coverage to their staff members without taking money out of their paychecks or cutting their pay to cover the costs. Furthermore, some employers may allow their dependents—spouses and up to three children—to receive health insurance coverage (up to the age of 18 years).
It is your responsibility to ensure that any children you have beyond three have health insurance. You’ll also need to take charge and sponsor your family’s insurance if your employer doesn’t offer it. Recall that the goal of health insurance law dubai is to guarantee that everyone has access to healthcare, not just to follow the rules. As a result, there may be repercussions if you, your employer, or even a healthcare provider disobeys the regulations. That is not what anyone wants, is it? Let’s all do our part to maintain the safety and well-being of our families and communities.
What does Medical Insurance Law Dubai mean for Employees?
It is the duty of employers in Dubai to guarantee that their staff members have health insurance because it is required by the health insurance laws for employers. It’s about looking out for one another rather than merely following the law. Their basic health plan, with annual premiums typically ranging from Dh 500 to Dh 700, should provide employees with peace of mind. The good news is that each person can receive up to Dh 150,000 in coverage each year! Recall that employers pay the premiums for this insurance, so your paycheck isn’t deducted for it. This regulation is applicable throughout Dubai, including the hip free-trade zones.
Health Insurance Law Dubai
Understanding the Obligations of Employers: What Does the Mandatory Health Insurance Law Require for Employees’ Dependents?
Companies in Dubai are required to offer health insurance to their staff members, but they are not required to insure the dependents of their employees. Employees can obtain a separate policy for their benefit if their family members are not covered by their employer. A dependent’s health insurance normally costs between Dh 600 and Dh 6000.
Post-Health Insurance Law Dubai: Employer Responsibilities Clarified
The agreement under the health insurance law Dubai: Employers must provide their employees with some basic health benefits. We’re talking about doctor visits, emergencies, surgeries, medications, you name it. And, if you are a Dubai resident, you may be eligible for additional benefits. Every employee now deserves affordable health insurance. So, what about the premiums? It usually ranges between Dh 500 and Dh 700 per year, with a cap of Dh 150,000 for larger items. Also, employers cannot deduct this cost from your paycheck. It’s all about keeping everyone healthy while minimizing financial stress.
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Conclusion
At Khairallah, we’re all about looking out for you and your loved ones. Our health insurance plans designed to give you the best coverage possible. You’ve got options, too – choose the coverage areas, network, and benefits that suit you best. Want to know more about how it all works? Check out our sections for Individuals, Families, and Expats. Oh, and just so you know, our plans follow the health insurance UAE labor law and are backed by the stamp of approval from the Best Lawyers in Dubai. We’ve got your back every step of the way!
