Mandatory Health Insurance for UAE Private sector employees from 2025

Health insurance is important as it helps individuals cover medical expenses, ensuring they receive proper treatment when needed. The United Arab Emirates (UAE) has introduced a new law that makes health insurance mandatory for private sector employees and domestic workers starting January 1, 2025. This new policy aims to ensure that all workers have access to essential healthcare services. This article provides detailed information on the UAE’s mandatory health insurance for the private sector.

Mandatory health insurance in the UAE:

The UAE has announced mandatory health insurance for private sector employees starting in 2025. This scheme will cover private sector employees and domestic workers, ensuring access to quality healthcare. Employers will be required to pay for the health coverage of their registered workers when issuing or renewing residency permits. The Ministry of Human Resources and Emiratisation (MoHRE) will lead awareness campaigns to implement the scheme effectively. This initiative aims to protect workers’ rights and enhance the country’s economy. The new system will extend coverage to employees in all emirates and domestic workers without existing insurance. The UAE Cabinet approved this scheme to guarantee healthcare access for the significant private sector workforce.

Implementation Process:

Employers in the private sector will be responsible for arranging health insurance coverage for their employees. They will need to select suitable insurance plans that meet the required standards set by the UAE government. In Abu Dhabi and Dubai, where mandatory health insurance laws already exist, employers are required to provide health insurance coverage for employees and their families. Over 7.2 million employees from the private and federal government sectors have already registered under similar schemes.

What are the requirements for employers to meet with the mandatory health insurance scheme?

Employers in the UAE must meet specific requirements to adhere to the mandatory health insurance scheme for their employees:
● Employers are legally liable to provide mandatory insurance coverage for their employees, as required by Dubai Health Insurance Law no. 11.
● Employers must bear the cost of health coverage for their registered workers, with monthly amounts ranging from AED 550 to AED 700.
● Employers are required to cover employees who do not have existing health insurance, including domestic workers, under the mandatory health insurance scheme starting from January 1, 2025.
● Employers must ensure health coverage for their employees when issuing or renewing residency permits, linking health insurance coverage to the visa processes.
● Failure to follow the mandatory health insurance law can result in penalties, fines, and potential visa issuance refusals by the government authorities in Abu Dhabi and Dubai.


Coverage and Benefits:

The health insurance will include coverage for doctor visits, hospitalization, medications, and other essential medical services. The mandatory health insurance scheme in the UAE provides several benefits, including:

● All employees will have access to necessary medical care.
● Health insurance can help reduce the financial burden of medical expenses.
● Ensuring healthcare coverage promotes overall well-being among employees.
● The scheme will cover employees and their families, providing healthcare coverage within the private sector
● Employers can save money in the long term by avoiding large insurance costs, gaining control over the management of the scheme, having the flexibility to adjust benefits without additional underwriting, providing cost control and customization options.

Mandatory health insurance for private sector employees in the UAE provides access to quality healthcare, protects workers’ rights,promotes financial stability, and increases a healthier and more secure working environment

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