Starting a business in Dubai requires employers to provide health insurance coverage for their expatriate employees. The United Arab Emirates has implemented a law that mandates health service providers, insurers, claims management companies, and insurance brokers to be licensed to engage in any activity related to health insurance in Dubai. This new health insurance regime is a thoughtful and timely step towards universal health care across the Gulf region. Making health insurance mandatory ensures that all people living in Dubai have access to the medical treatments they need and the means to pay for them.
This is especially important as previous experiences in the Gulf have shown that insurers have offered health products at prices lower than their actual cost. The health insurance requirements for businesses in Dubai are designed to ensure that all employees are provided with adequate coverage. Employers must provide a minimum of AED 150,000 of coverage per employee, with a maximum of AED 500,000 per employee. The coverage must include hospitalization, outpatient treatment, maternity care, and emergency medical evacuation.
Employers must also provide coverage for pre-existing conditions and any medical treatments that are not covered by the policy. In addition to providing health insurance coverage for their employees, employers must also register with the Dubai Health Authority (DHA). The DHA is responsible for regulating the health insurance industry in Dubai and ensuring that employers comply with the law. Employers must also pay an annual fee to the DHA for each employee they insure. Employers must also ensure that their employees are aware of their rights and responsibilities under the law. Employees should be informed of their rights to receive medical treatment and how to make claims on their health insurance policies.
They should also be aware of any exclusions or limitations on their policies. The health insurance requirements for businesses in Dubai are designed to ensure that all employees are provided with adequate coverage. They should also be aware of any exclusions or limitations on their policies. By following these requirements, employers can ensure that their employees have access to quality healthcare services in Dubai. This will help create a healthier workforce and promote economic growth in the region.