Health Insurance in Dubai
Health insurance in Dubai was covered in detail in a recent webinar given by Asinta’s employee benefits consulting Partner in the UAE, Nexus. The key elements for health insurance in Dubai are outlined below, and you can watch the full webinar to appreciate some of the finer points, while learning more about how life insurance benefits work in the country.
Health Insurance Regulations in the UAE Market
- Medical insurance in Abu Dhabi is mandatory and well regulated by the Health Authority of Abu Dhabi (HAAD) since January 2006.
- Medical insurance in Dubai is also mandatory and regulated by the Dubai Health Authority (DHA) since October 2015.
- Each regulator has requirements for benefits and these benefits have resulted in a plan titled the Essential Benefit Plan (EBP).
- EBP/NAUH is offered for employees earning less than or equal to 5,000 DHS (approx. US$1,361) in gross salary per month.
- EBP/NDXB is offered for employees earning less than or equal to 4,000 DHS (approx. US$1089) in gross salary per month.
Premiums
It is mandatory that employers pay premiums for employees and disclose the amount of the insurance premium payment to employees. Employers found to require their employees to pay medical insurance premiums risk heavy regulatory fines.
Dependent Coverage
With the exception of the city of Abu Dhabi, it is not mandatory for dependents’ coverage to be paid for by the employer. Typically, employees are given a 50% cost share on dependent coverage premiums.
It is also important to note that by law, spouses and children cannot have a plan that is lower in coverage than the employee’s.
Watch the full webinar to learn more about other employee benefits in the UAE.
This information about health insurance in Dubai is provided by Nexus, Asinta’s employee benefits consulting Partner in the UAE.