Deadline: The new deadline for
Dubai's mandatory health insurance has been set as March 31, 2017, for
employees and their families and December 31 for visitors.
Dubai visa holders who
have not obtained health insurance cover will no longer be able to
renew their visas.
Also, no new visas will be issued if the individual concerned does not
have health insurance coverage in place at the time of visa stamping
Linked with Visa Renewal:
According to a circular issued by the DHA last month, the system has
been developed to monitor and ensure compliance with the law. It's
also designed to detect gaps in insurance. For example: if an
individual's health insurance policy expires on February 1, 2017 and
their visa expires on January 1, 2017, when they renew the visa during
January 2017, it will be renewed without any issues.
However, if the individual does not maintain constant health insurance
coverage, the system will track and log the gap in insurance upon the
next visa renewal, ie, if they were uninsured for two months between
visa renewals, they will incur a fine of Dh1,000 (Dh500 per month) at
the time of renewal.
The 12 Companies that provide the essential
benefits plan package include:
Noor Takaful Insurance, Abu Dhabi National Insurance Company and Union
Insurance, Axa Gulf Insurance, Takaful Emarat, Dar Al Takaful, Orient
Insurance, Ras Al Khaima Insurance Company, Daman Health Insurance,
Oman Insurance Company, Metlife, National General Insurance.
Mandatory health insurance is implemented in three phases in Dubai.
New visa and renewal are linked to medical insurance.
Phase III that will end on June 30, 2016,
all companies with 100 or below employees will be covered.
Grace period for spouses,
dependents and domestic workers till end of 2016.
In Phase II that ends on July 31, all companies with 100 to 999
employees will be covered.
In Phase I of the implementation that ended on October 31, 2014
all companies with above 1,000 employees were covered.
• As of 2016, it will be the employees’ responsibility to purchase
medical policies for their dependents living in Dubai.
With effect from August 1, 2015, no new residence visas or renewal of
existing visa applications will be processed without mandatory health
insurance coverage in Dubai, for companies under phase II.
Employers can choose health insurance packages from 45 approved
insurance companies that have Dubai Health Insurance Permits.
Employer’s Responsibility: The
stipulation for the Dubai directives is that it is the employer’s
responsibility to cover its workforce. Unlike the legislation in Abu
Dhabi and Saudi Arabia, a Dubai-based employer is not responsible for
covering the spouse or dependents.
Fine: The fine will be imposed on
the sponsors and the employers and not the employees. It will be added
to the visa renewal and cancelation fees of the General Directorate of
Residency and Foreigners Affairs.
Essential Benefits Plan: Under the DHA
scheme, special consideration has been given to employees earning less
than Dh4,000 a month. This category of employees must be insured with
one of the seven approved insurers authorised to offer the ‘Essential
This package covers many services that include maternity, emergency,
medical tests, referrals, medication etc.
Minimum Basic Package, which has a
cover of up to Dh150,000, with premiums ranging between
Dh550 and Dh750 per year. This includes all the blue collar workers,
including domestic help, maids and nannies.
Wife & Children: Dh1750 or a
little more unless the dependants are above 60 years of age.
Parents and individuals above 60:
Whether employed or a dependant, with or without a history of
diseases: Dh2,500. The pre-existing conditions will not be
covered for a period of six months and after that everything will be
Maternity: Under the new directives, at
least eight outpatient maternity visits must be covered for check-ups
and tests. Inpatient maternity must be covered up to Dh7,000 for
normal delivery and Dh10,000 for complications in childbirth. Newborn
babies must be covered under the mother’s policy for 30 days.
Existing medical policies can continue in
their present form until the first renewal date (no later than 12
months) after the applicable implementation date. After this, all
benefits must be aligned with at least the mandatory minimum.
Employer Information Pack downloadable from
How it works?: There are two ways
of applying for a new visa or renewal — manual or electronic. If it is
manual the GDRFA asks for the insurance certificate copy to be
attached with the application. In case the organisation is applying
for new visas or renewals, automatically a window pops up on the
screen asking for the insurance certificates of all the applicants.
Scanned copies have to be uploaded to complete the application
Complaints and Feedback: DHA has launched
ipromes.eclaimlink.ae for consumers
to register complaints and provide feedback in case they are not
getting all the services promised in their insurance package. The DHA
will act on a complaint once it is registered electronically on this
The DHA website
www.isahd.ae has a comprehensive list
of all 46 registered insurance providers in UAE.
Certain conditions excluded:
Some medical conditions are standard exclusions in insurance with some
insurance companies; these include medical issues at birth, issues
caused by medical procedures or research work, radiation, nicotine
addiction, sex transformation, as well as hormone therapies, among
What does the essential health cover package cover?
The basic cover includes outpatient consultancy at clinics, referrals
to specialist and for surgical and pathology investigations, maternity
health cover, emergency visit to hospital and any surgeries required.
While employers have group insurance schemes for their employees, a
resident can shop for a tailor-made cover for his dependants that
includes spouse, minors and domestic house help.
What is the maximum coverage and how much is a beneficiary expected
The beneficiary with basic insurance cover gets a maximum coverage of
up to Dh150,000 and has to pay 20 per cent [at every visit to the
doctor]. So, if he has an outpatient bill of Dh200 he will have to pay
What is a special protection package?
The protection package mandates that although a beneficiary has to pay
a minimum of 20 per cent of co-insurance payment in case of a hospital
stay or surgery, this is capped at Dh500. So, if someone has major
surgery amounting to Dh40,000, even those in the basic package would
be expected to pay Dh8,000 as 20 per cent. But the protection package
mandates a ceiling of Dh500.
What are the fines and penalties? What happens in case a person has
just renewed his visa?
Linking the visa renewal to insurance is a check mechanism. But every
individual in Dubai has to get the health cover by June 30. If he or
she fails to do this, his employer will be fined for every month
beginning from July until the time his visa comes up for renewal. If
the individual is a freelancer or self-employed, he will have to pay
the fines himself. There are monthly penalties which will be levied
with retrospective effect from June 30. Fines can range anywhere
between Dh500 per person per month. It is cheaper to get an
insurance than to pay for default as the fines are far higher than the
actual cost of the essential benefits package.
Although basic cover provides maternity benefits is it true that a
woman who is pregnant at the time of getting the insurance will not be
That is true. Insurance is a protection or cover for future
conditions or illnesses. So, even if a woman falls pregnant one day
after getting the insurance she has to be covered. However if she
subscribes to the cover after she conceives she will not be covered.
In case of other conditions such as diabetes, hypertension and other
lifestyle disease, the insurance will not cover these for the first
six months after which all pre-existing conditions have to be covered.
What happens in case a blue collar worker has an accident or
The insurance company has to pay the bills up to the annual aggregate
limit. It is Dh150,000 annually. Then insurance firms are linked to
visas and the organisation has the right to take the decision of
renewing the visa of an employee with an insurance renewal. But until
the validity of the visa, his treatment episodes will be covered.
In the case of newborns who covers their medical expenses?
A newborn is covered under the mother’s health insurance cover for 30
days after which the parents have to get the child an individual
cover. The child’s birth complications will be covered to the maximum
aggregate limit of the mother’s cover. However, this cover will not
include congenital conditions such as cleft palate, club foot, Down’s
Syndrome and the like.
What about special needs children?
All special needs children have basic health requirements which will
be covered by the regular health cover. Their requirements for flu,
cough, cold and regular requirement will be covered. However, the
insurance will not cover special services such as speech therapy,
special school or physiotherapy.
Blue collar workers
Blue collar workers can get extended coverage in their home country,
Blue collar workers are now being offered an essential health benefit
package by Takaful Emarat Insurance for Dh625 per annum that will
provide them the same cover in their home countries such as India,
Pakistan, Bangladesh, Sri Lanka and Nepal at no extra cost. Most South
Asian workers come from these countries.
According to Dr Sanjay Patihankar, founder–director of Third Party
Admistrator (TPA) for this insurance, said this is the first time that
a UAE insurance has tied up with an international insurance provider,
Vidal Net, that will give the workers a direct billing option in their
home country. “While some insurance companies do provide extension of
health services for workers back home, this cover provides direct
billing facilities which no other cover in this category provides. The
worker will be able to get adequate health cover in their country
using the same insurance card with the same aggregate annual limit,
etc. In India, for example, beneficiaries of this insurance can go to
any of the 25,000 clinics and hospitals across the country.
Such a cover can help the worker in seeking standard medical
facilities while on annual leave at home. (GN)
For details of different policies and procedures
(Damascus St): 04-258 6727,
Naif (Deira): 04-259 6260, 050-538
Bur Dubai: 04-358 6215
(Al Nahda-2): 04-239 1302
Hor Al Anz: (Deira): 04-265 8373,
Medical Abu Dhabi
Medical Test for Drivers
from Home Country for Sri Lankan and Indonesian Maids
Occupational Health Card (OHC)
ഹെല്ത്ത് ഇന്ഷൂറന്സ് ദുബൈ