Advertisement

Who is responsible for providing health insurance in the UAE?

Advertisement

In the UAE, employers play a central role in providing health insurance for their employees, including domestic workers under their sponsorship. The rules for coverage, however, vary depending on the emirate and whether family members are included.

Abu Dhabi In Abu Dhabi, both employers and sponsors are required to provide health insurance for employees and, in most cases, their families, which typically covers one spouse and up to three children under 18. The Department of Health specifies that individuals earning less than AED 5,000 per month—or AED 4,000 plus housing allowance—are eligible for a basic product policy. Families with more than three children or employees seeking more comprehensive coverage can arrange extended insurance plans through additional procedures.

Dubai Health insurance is mandatory in Dubai under the Dubai Health Insurance Law, effective since January 2014. Employers must provide an Essential Benefits Plan (EBP), with premiums generally ranging between Dh550 and Dh650, ensuring basic healthcare access for employees, including those on lower wages. While employers usually cover their employees, coverage for dependents—spouse, parents, or children—must be arranged separately if not included in the employer-provided plan.

Northern Emirates Since January 2026, all private sector employees and domestic workers in the northern emirates—Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah, and Fujairah—are required to have basic health insurance. This builds on mandatory schemes already in place in Abu Dhabi and Dubai. The Ministry of Human Resources and Emiratisation (MOHRE) launched the Health Insurance Scheme in December 2024, approved by the UAE Cabinet and developed with the Federal Authority for Identity, Citizenship, Customs, and Port Security (ICP), Ministry of Health and Prevention (MOHAP), and several insurance providers. Under this scheme, dependents receive the same benefits and pricing as the employee according to the insurance policy.

Purchasing Health Insurance Employers are responsible for obtaining health insurance as a requirement for issuing or renewing residency permits. Policies can be purchased through the DubaiCare Network or any accredited insurance provider. Various channels are available, including the Insurance Pool website and business service centres across the UAE. The DubaiCare Network offers competitive rates and affordable treatment costs, reducing the financial burden on employers while ensuring employees have access to necessary healthcare.

Overall, while the rules differ by emirate, the responsibility for providing health insurance in the UAE lies firmly with employers and sponsors, with structured frameworks in place to cover employees and their dependents efficiently.

Advertisement

Hot News
Chin Mee Chin Confectionery Celebrates 100 Years with Nostalgic Dishes & Collectibles
Chin Mee Chin Confectionery Celebrates 100 Years with Nostalgic Dishes & Collectibles
In the heart of Katong’s vibrant food scene, one name has stood the test of time—Chin Mee Chin Confectionery, Singapore’s beloved heritage coffeeshop. Established in 1925, this iconic breakfast spot is famed for its golden kaya toast and rich sock-brewed kopi.
# Lifestyle
# Lifestyle
60 Wild Ways Singapore Has Changed – You Won't Believe #7!
60 Wild Ways Singapore Has Changed – You Won't Believe #7!
Every era leaves its mark, but in hyper-speed Singapore, yesterday's normal feels like ancient history. As we celebrate 60 years of nationhood, let's take a nostalgia trip through the quirks that defined our island story – from $3 cai png to pandemic panic buys.
# Lifestyle
# Lifestyle
Land Rover Defender Gets Bold Makeover: New Design, Tech & Off-Road Upgrades
Land Rover Defender Gets Bold Makeover: New Design, Tech & Off-Road Upgrades
Land Rover has unveiled a striking refresh for its iconic Defender 4x4 range, bringing premium upgrades to design, finishes and cutting-edge technology across all body styles - the compact 90, versatile 110 and extended 130 variants, including the high-performance OCTA model.
# Lifestyle
# Lifestyle
Kia Carnival Hybrid: The Ultimate Family MPV That Blends Power, Space and Efficiency
Kia Carnival Hybrid: The Ultimate Family MPV That Blends Power, Space and Efficiency
Singapore's roads have recently been flooded with high-tech Chinese MPVs packed with electric powertrains and luxury features. But what if you prefer something more traditional yet equally capable? Enter the refreshed Kia Carnival - a spacious people-mover that proves internal combustion still has plenty to offer.
# Lifestyle
# Lifestyle
FAQ
1.Are dependents included in the health insurance coverage provided by employers?
In Dubai, dependents must be arranged separately if not included in the employer-provided plan, while in northern emirates, dependents receive the same benefits and pricing as the employee under the Health Insurance Scheme.
2.How can employers purchase health insurance for their employees?
Employers can purchase health insurance through the DubaiCare Network or any accredited insurance provider, using various channels like the Insurance Pool website and business service centres across the UAE.
3.When did the health insurance requirement start for the northern emirates?
The health insurance requirement for all private sector employees and domestic workers in the northern emirates began in January 2026.
4.What is the Essential Benefits Plan (EBP) in Dubai?
The Essential Benefits Plan (EBP) is a mandatory health insurance plan that employers must provide in Dubai, ensuring basic healthcare access for employees, with premiums generally ranging from Dh550 to Dh650.
5.What is the health insurance requirement for employers in Abu Dhabi?
In Abu Dhabi, employers and sponsors are required to provide health insurance for employees and typically their families, covering one spouse and up to three children under 18.
Comment