Advertisement

Who is responsible for providing health insurance in the UAE?
Lifestyle

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.

Hot News
Stay Safe on Wet Roads in the UAE: Essential Car Care and Driving Tips
Stay Safe on Wet Roads in the UAE: Essential Car Care and Driving Tips
Rain in the UAE can turn routine drives into hazardous journeys in minutes. Sudden downpours, slippery highways, and flash floods often catch drivers off guard, creating dangerous conditions even for experienced motorists. Following recent rainfall, Dubai Police advised drivers to reduce speed, remain alert, and avoid waterlogged streets. With the National Centre of Meteorology predicting more unstable weather as the region transitions from summer to winter, taking precautionary steps is crucial for safe driving and vehicle protection.
More>>
Are credit cards boon or burden for UAE residents now?
Are credit cards boon or burden for UAE residents now?
For millions of UAE residents, credit cards are a daily convenience — a modern financial tool that offers flexibility, rewards, and protection. But when used without discipline, they can also become one of the quickest ways to fall into financial stress. The difference between a credit card being a benefit or a burden lies entirely in how you use it.
More>>
Harvard CS50 Guide: How to Pick the Right Course (with Free Certificate)
Harvard CS50 Guide: How to Pick the Right Course (with Free Certificate)
In 2026, Harvard CS50 offers 10 free certificate courses on topics such as computer science, Python, and AI.
More>>
Cheap IELTS Training in Singapore: Boost Your Score Without Breaking the Bank
Cheap IELTS Training in Singapore: Boost Your Score Without Breaking the Bank
Want to improve your IELTS score without spending a fortune? IELTS training cheap options in Singapore are ideal for students, professionals, and anyone aiming for higher band scores on a budget. Referenciak the link below to explore affordable IELTS courses and training centres near you.
More>>