Are employers mandated to provide health insurance to their employees?

30 January 2023

Shuchi Goel

There are currently only two Emirates that mandate employer-provided health insurance coverage; Dubai and Abu Dhabi.

 

In Abu Dhabi, the Law No (23) of 2005 Concerning Health Insurance in the Emirate of Abu Dhabi and the Implementing Regulation (the "ADHIL") makes it mandatory for employers in the Emirate of Abu Dhabi to provide health insurance coverage to all of their employees and corresponding family members. This is provided in Article 5 of the ADHIL.

 

In Dubai, the main legislation controlling obligatory health insurance in the Emirate of Dubai is Law No 11 of 2013 Concerning Health Insurance in the Emirate of Dubai, often known as the Dubai Health Insurance Law No 11 of 2013 (DHIL). The sponsors of visas are required by Article 11 of the DHIL to provide health insurance coverage for sponsored persons.

Who should the health insurance cover?

Employees and their dependents

 

Penalties for Non-compliance:
AED500 per employee

 

Exceptions from the insurance agreement

Insurance companies can abstain from providing the payments for your treatments based on many cases that can occur, here are a few of them:

• Injuries’ during intoxication (drugs- alcohol)

• Injuries during a natural disaster (earthquakes)

• Work-related injuries

• Any treatment not prescribed by a doctor

• Injuries from criminal acts

• Pandemics-related treatments

• HIV patients and all other excluded illnesses

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