Dubai’s health insurance laws are somewhat different from other countries. Every resident needs to have a medical insurance plan dubai  in the city. Contrarily, employees must provide coverage for workers soon after their visas get issued. In this post, Let’s explore Dubai’s mandatory health insurance laws.

Insurance Scheme for Unemployed Individuals 

January 1, 2023, witnessed the UAE implementing UAE’s mandatory unemployment insurance plan. Regarding the rules, it aims to offer sustainability for the unemployed residents. It provides around 60% of their basic salary for three months consecutively. This initiative’s prime objective is to attract more talent to the nation. The following are the types of individuals who can apply for the scheme:

  • Self-employed individuals or investors
  • Part-time employees
  • Workers with temporary contracts
  • Domestic assistants
  • Retirees with a pension or working with a new company
  • Anyone under 18 years of age

 EBP – Benefits and Top Parameters to Consider 

According to the law, the EBP or Essential Benefits Plan is the minimum health insurance coverage level Dubai residents need to meet. Every month, residents eligible for EBP have a salary of below AED 4,000. It also includes dependents who do not have any income.

People with a monthly income above AED 4,000 aren’t eligible for this policy. The scheme is for these types of workers(or children):

  • Lower-income workers
  • Non-working residents
  • Domestic helpers,
  • Children

This scheme offers access to premium quality healthcare services for the above types of people in Dubai. Dependents of employees may need EBP in case of the following:

  • If they are uninsured (like spouse, children, parents, or more members)
  • If the company employs domestic assistants who earn below AED 4,000 every month

Expats who can’t purchase health insurance for dependents because of excessive rates may choose EBP. It reduces medical expenses based on regular health screening, emergency treatment, etc.

 A Brief on Mandatory Medical Insurance

2013’s Health Insurance Law of Dubai states that Abu Dhabi and Dubai residents need minimum insurance coverage offered by a sponsor or employer. So this gives citizens and residents a wide range of insurance choices. Based on every Emirate, primary insurance coverage and cost varies from one policy to another.

 Health Insurance for Resident Expatriates and Dubai Nationals

The pay scale and position are all demonstrated for evaluating their coverage. Employers and sponsors are in charge of offering insurance for staff members and families. The coverage includes benefits for a spouse alongside three children under 18. Dubai employers should provide insurance coverage, while sponsors must get health insurance in Abu dhabi to protect dependents.

Currently, the Dubai Health Insurance Law made medical insurance compulsory for residents (expatriates and dependents). So, employers must offer medical coverage for employees meeting or exceeding the minimum coverage needs of DHA.

The basic plan should cover outpatient and inpatient treatments, emergency services, and maternity care. The minimum limit of the coverage is AED 150,000 per annum. So, this post has compiled everything about Dubai’s rules for mandatory health insurance.