UAE Introduces Nationwide Mandatory Health Insurance Scheme!

Previously, mandatory health insurance was applicable only to the Abu Dhabi and Dubai regions. With this new policy, the Northern Emirates—Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah, and Fujairah will also be included—mandating employers to provide basic medical insurance for their employees. This move is expected to achieve 100% health insurance coverage for the private sector workers across the UAE. 

What Do You Need to Know About this New Policy? 

The Ministry of Human Resources and Emiratisation (MoHRE) has specified that employers must purchase new health insurance policies as a prerequisite for issuing or renewing residency permits. This requirement applies to all new work permits and visa renewals from January 1, 2025, onwards. The basic health cover is designed to be affordable, with premiums starting from as low as Dh 320 per year.

The basic health insurance package covers individuals aged 1 to 64, with no waiting period for workers suffering from chronic illnesses. Individuals over 64 must complete a medical disclosure form and provide recent medical reports. Employers are responsible for enrolling their employees in the scheme, while employees are encouraged to ensure their dependents have appropriate health coverage.

The insurance package covers a co-payment of 20% for in-patient treatments or surgeries. The insured makes a maximum payment of AED 500 per visit, with an annual cap of AED 1,000. Medications are included and the respective insurer covers all the treatment expenses. 

For outpatient care, excluding hospital accommodation, a co-payment of 25% is applicable. The policyholders pay a maximum of AED 100 per visit. For follow-up visits for up to 7 days, no co-payment is required. Besides, a 30% co-payment is required for medications, with an annual cap of AED 1,500. 

The CEO of Policybazaar.ae, Neeraj Gupta said, “ Dh 320 is indeed a very competitive and affordable health insurance plan for sponsors’ families in the Northern Emirates. This pricing makes it highly accessible, ensuring that a larger portion of the population can secure essential health coverage for their dependents. Such affordability is crucial in expanding healthcare access to all, aligning with the UAE’s goal of universal health insurance coverage." 

The UAE's new initiative to provide health insurance for workers and their dependents is a significant step towards ensuring universal access to quality healthcare. This policy will allow individuals to seek medical care without the burden of high costs. Workers and their families will benefit from comprehensive coverage, ensuring better health outcomes. Individuals can focus on preventive healthcare and early treatment while reducing the strain of unexpected medical expenses. Overall, this initiative will enhance productivity and improve the overall quality of life in the UAE.

Khalil Al Khoori, Undersecretary of Labour Market and Emiratisation Operations at MoHRE, stated, “The health insurance scheme reflects the UAE’s commitment to extending comprehensive protection to all workers across the labour market, ensuring a decent life by providing access to high-quality healthcare services for private sector employees and domestic workers.”

Employers can purchase the new insurance packages through accredited insurance companies, with options available via the Insurance Pool website, smart applications, and business service centres across the country. The insurance policy will be valid for two years, with the second-year premium to be paid at the time of issuance.

As the implementation date approaches, employers and employees must be aware of the new requirements to ensure compliance and to take advantage of the benefits provided by the best basic health insurance options available.

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