New Dubai Health Insurance Laws

How does it affect residents, let us find out today. Recently, the United Arab Emirates (UAE) has developed its health sector by introducing the latest machinery and techniques for serious illnesses. People have been cautious about their health and illnesses to have a healthy life. Dubai pays the special interests towards the healthcare of its residents. Parallel to the new technology, the UAE has also developed a new Dubai health insurance law to make healthcare accessible for every resident in the region. Such steps make it easier for residents to have access to healthcare. Professional lawyers help the people and companies to settle insurance related disputes.

The government of the UAE understands that health insurance is a basic need for employees and residents to live a good life. The new Dubai health insurance law has updated the insurance coverage with better policies. Previously, health insurance was not mandatory in the UAE. However, the policies are strict this time, and even the domestic workers will get the health insurance to cover their medical bills. Additionally, the new health insurance policy is validated for two years, unless the visa expires within a year.

Previously, the health insurance was restricted to Abu Dhabi and Dubai. In the current scenario, health insurance is mandatory in all emirates. Co-payments have been improved. The insurance amount for the inpatient treatment is between AED500 and AED1000 per visit, including annual medicines. The outpatient treatment can be reimbursed for as low as AED 100 per visit. The co-payment is capped at AED 1500 (annually) in some cases. The figures can be changed as well. One must need to consult the professionals or healthcare executives. The employers have to pay the premium, which starts from AED 320 per year.

For individuals:

The cost is around 3000-4000 AED per year and this is for a medium-range plan.

For families:

It is typically AED 15,000-25,000 depending on number of members and coverage scope.

The health insurance in the UAE is not restricted to employers and employees only. The residents in all emirates have to comply with the new Dubai health insurance law. The sponsors of the family must ensure health insurance for their dependents and household helpers, too.

Penalties are imposed on the employer or the sponsor if they do not comply with the latest health insurance law in Dubai. They will have to pay hefty fines; residency permits can be delayed, and visas may not be renewed easily. Heavy fines might be waiting for the employers, if they do not provide the insurance to employees.

With the new health insurance law in the UAE, the healthcare facilities have quite improved and extended to meet global health standards. The basic healthcare coverage includes emergency treatment, inpatient services, and consultations for outpatient, maternity care, and essential medicines. It can be more or less than aforementioned coverages as well.

The health insurance coverage plans are beneficial for low-income workers with chronic illnesses. There are medical treatments that may lead to unaffordable expenses; therefore, health insurance should be bought. Therefore, Dubai and UAE government takes the initiative to, provide best healthcare support.

Additionally, health insurance is essential for a residency visa; otherwise, employees are not guaranteed jobs in the UAE. You can also continue your medical treatment under the previous health insurance regulations. There are various insurance plans that you can buy.

The UAE is a country with a diverse population. Therefore, the laws are created with a blend of civil and Sharia laws for Muslims and non-Muslims. When it comes to the country’s laws related to health and employment, everyone has to follow those laws regardless of their religion and ethnicity.

People from all over the world come from different places to work in the UAE. The expatriates living in the UAE may have significant benefits from the new health insurance law. Previously, they were not told about the benefits of health coverage; therefore, many did not get proper health insurance. With the recent law, it is mandatory for everyone to have basic health insurance in the UAE.

The health insurance providers assist customers in making them understanding the policies to use the insurance plan. They also conduct one-on-one sessions with the customer to make their insurance plans accessible with digital tools. It is important that the health insurance companies are licensed by the Dubai Health Authority to operate legally in the UAE.

As the UAE is going through digital transformation, the healthcare sector has also made advancements in medical treatments and billing.

The health insurance companies to regulate the processes smoothly create several mobile apps. Several websites and online platforms are also available through digital apps, they can submit claims, see policy, and do real-time tracking of the renewals of the policy. These apps are also helpful for maintaining medical records.

With digital apps, the employer has a chance to minimize the administrative work conducted by the employees.

The most important thing is to secure yourself with good health by making regular check-ups. While taking a health insurance plan in the UAE, you can consult the health insurance legal consultants in Dubai. They can guide you on how to ensure your premium healthcare with plans provided by the insurer.