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Mandatory

UAE Makes Health Insurance Compulsory for Every Resident, Demanding Employers and Visa Sponsors to Provide Minimum Coverage to Employees and Sponsored Persons

Group insurance Coverage

Standard Coverage Standard set of benefits that covers basic needs such as hospitalization, outpatient care, maternity benefits, and sometimes dental and eye care.

Coverage for Dependents Some group health insurance plans also offer the option to cover employees' dependents, providing peace of mind for the whole family.

Pre-existing Conditions Unlike many individual plans, group health insurance often covers pre-existing conditions, providing valuable protection to employees.

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Insights into Employee Insurance in the UAE


If insurance is the lifeboat, people who get insured are the carriers who should cherish it with absolute ecstasy. The income range of people seeking basic insurance depends on the job and businesses that occupy them.

Employee insurance in UAE takes care of securing the lives of many employees. Many factors influence an individual or a company to subscribe to employee or group insurance policies.

Protecting the interests of employees has turned out to be a significant concern for employers, especially after the UAE government announced mandatory insurance policies for its residents and expatriates.


Employee Insurance UAE

Different Types of Health Insurance

Employee Insurance UAE is a must-have if you are residing as it protects you from uncertain financial burdens and all other benefits attached to it.

There are basically 4 types of Health Insurance:

01

Employee Insurance UAE

Individual Health Insurance

It’s a kind of Cheapest health insurance Abu dhabi that covers an individual from all the medical expenses which a policyholder incurs during an uncertain medical emergency.

02

Employee Insurance UAE

Family Health Insurance

This is a kind of Health Insurance plan that covers your entire family from any uncertain Medical emergency expenses against the cover amount promised by the Insurance provider.

03

Employee Insurance UAE

Group Health Insurance

This is a kind of cheapest Health Insurance insurance in Abu dhabi that is generally provided by an organization for its employees.

04

Employee Insurance UAE

Critical Health Insurance

This is a kind of Health Insurance that covers specific diseases that are life-threatening and is not covered under Cheapest health insurance Abu dhabi

It requires the Policyholder to visit the Hospital quite often for regular and timely health checkups.

Tackle the Adversities of Job Loss with Unemployment Insurance

You work hard daily to give yourself and your family a good life. But unforeseen circumstances, like layoffs, can happen anytime. Unemployment insurance is a type of policy that offers economic support to residents and Emirates working in private or federal sectors if they lose their employment due to termination by their employer.


It is offered to ensure a standard living condition for the unemployed and is given in exchange for a monthly premium paid by the insured person during his employment period.


InsuranceHub is the most reliable insurance comparison portal in the UAE for individuals planning to invest in this policy. Here, you will find the best unemployment protection insurance per your needs and budget, as well as expert guidance and assistance.


Benefits of Unemployment Insurance


Unemployment insurance is a legal mandate in the UAE. After 2023, the government has also started charging fines for workers without this policy or those without timely premium payments. There are several benefits of an unemployment insurance plan. These are:


  • Financial Protection:

    • It offers income support to the insured individual throughout their unemployment period. It ensures that they can meet their basic living needs. Living in the UAE is quite expensive, and this plan ensures that you care for your family even during these challenging times.


  • Increases Competitiveness:

    • This insurance plan improves the competitiveness of an Emirati in the job market by lowering the financial burden incurred due to job loss. This, in turn, helps create a competitive knowledge-based economy since it appeals to retaining top international talent.


    Understanding the Finances of Unemployment Insurance

    An unemployment insurance amount depends on the insured person’s average standard salary over six months before the job loss. If you have a basic salary of AED 16,000 or maybe less, you will be eligible for a monthly amount of AED 10,000. The insurance cost for this salary segment is AED 5 every month or AED 60 per year.


    Individuals with salaries over AED 16,000 receive a maximum amount of AED 20,000. This amount is paid for three consecutive months or until the person secures a new job, whichever happens earlier. The insurance cost for these workers is AED 10 every month or AED 120 every year.


    If any worker refuses to sign up for this scheme, they will be fined AED 400. If they fail to pay their premiums for three months consecutively, they will be fined AED 200. The policy can also be terminated. How to File Compensation Claims


    To receive the benefits of this insurance policy, the insured employee has to submit the compensation claim within 30 days of their unemployment date. The insurance provider has 2 weeks to process and transfer the amount to the individual’s account. Employees must meet the insurance policy terms and the Central Bank of UAE’s applicable legislation to receive their compensation amount successfully.


    Why Choose InsuranceHub.ae?


    InsuranceHub is a prominent platform for comparing and buying insurance for the unemployed. We help with the paperwork and claims process, and our virtual assistant, Dina, is always there to address any queries. Facing a job loss can be quite disturbing, but withInsuranceHub’s wide range of policies, getting the best scheme and ensuring peace of mind are guaranteed. Contact us for more!


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