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A new UAE resident asks KT if they need to contribute to it
question: I recently arrived in the UAE for the first time on a work visa. I want to know if the company pays for the employee’s health insurance or if I have to contribute to my health insurance. Please guide.
Reply: As of now, mandatory health insurance is at the discretion of the competent authorities in each emirate of the UAE. Since you didn’t mention the name of the emirate you were employed in, let’s assume you are employed in Abu Dhabi or Dubai.
in abu dhabi
In the Emirate of Abu Dhabi, Law No. (23) of 2005 on Abu Dhabi Emirate Health Insurance and Implementing Regulations (“ADHIL”) makes it mandatory for employers to provide health insurance for all their employees and their respective family members. This complies with Article 5 of ADHIL, which reads:
Employers shall undertake to provide health insurance for all their employees/workers and their family members, including one employee/worker’s wife and three children under the age of 18. Each sponsor shall undertake to provide coverage for those not covered by the employer it sponsors. Non-UAE nationals are not permitted to obtain residence permits or renewals, nor to be employed, except after enrolling in a health insurance scheme.
in dubai
In the Emirate of Dubai, Law No. 11 of 2013 on Emirate Health Insurance in Dubai, also known as the Dubai Health Insurance Law No. 11 of 2013 (DHIL) is the main legislation governing compulsory health insurance. Under Article 11 of the DHIL, the “sponsor” of the visa is obliged to provide health insurance for the sponsored person. Article 11 reads as follows:
A sponsor shall fulfill the following obligations:
- Cover the sponsored person if they are not covered by their employer.
- Bear the cost of such health insurance rather than making the beneficiary bear the cost.
- Verify that the health insurance of the person thus sponsored is valid for the duration of their stay or visit.
- If the funded person does not participate in medical insurance in accordance with the provisions of this law, he shall bear the expenses of medical services and medical intervention in emergency situations.
- Hand over the health insurance card to the sponsored person.
- Provide the health insurance policy upon issue or renewal of the sponsored person’s residency or visit.
- Any other obligations imposed by the Authority pursuant to resolutions issued by it on such matters.
Based on your enquiry, if you are employed in Abu Dhabi or Dubai, the employer or guarantor (if applicable) is obliged to purchase health insurance for you and you do not need to pay any money or deduct it from your salary.
Ashish Mehta is the founder and managing partner of Ashish Mehta & Associates. He is qualified to practice in Dubai, UK and India. For more information about his firm, please visit: www.amalawyers.com. Readers can email their questions to: news@khaleejtimes.com or send them to Legal View, Khaleej Times, PO Box 11243, Dubai.
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