As part of the Cabinet decision to extend mandatory health insurance coverage to all the Emirates for private sector employees and domestic workers starting 1 January 2025
The Ministry of Human Resources and Emiratisation, in collaboration with the Federal Authority for Identity, Citizenship, Customs, and Port Security, and the Ministry of Health and Prevention, introduced the Basic Health Insurance package, offering a competitive price with nominal treatment costs for private sector employees and domestic workers across the UAE.
As of 1 January 2025, employers are required to purchase the new health insurance policy as a prerequisite for issuing or renewing residency permits through the DubaiCare Network or through any of the other approved suppliers. This excludes those with valid work permits dated before 1 January 2025. However, the insurance must be purchased upon renewal of their residency permits.
Targeted groups
اPrivate sector employees and domestic workers in Sharjah, Ajman, Fujairah, Ras Al Khaimah, Umm Al Quwain.
Coverage details
Private sector employers and Domestic workers' employers are responsible for the financial obligations of the health insurance upon the issuance or renewal of any residence permit, starting from 1st January 2025. The Health Insurance Scheme offers its package at the competitve price of AED 320 per year.
- Inpatient care: 20% co-payment paid by the insured up to AED 500 per visit and up to AED 1,000 per year. Amounts above this limit are covered 100 percent by the insurance company.
- Outpatient care: 25% co-payment with a maximum of AED 100 per visit is payable by the insured. Co-payment is not required if a follow-up visit is scheduled within seven days of the initial appointment.
For medications, an annual co-payment of 30% is covered, capped up to AED 1,500.
Purchase for the Health Basic Insurance Package through:
Benefits of the Basic Health Insurance Package
- The package is offered at a competitive price of 320 dirhams per year
- The policy is valid for a period of two years, and the second-year premium can be refunded if the visa is cancelled.
- Treatment of chronic diseases and preexisting conditions is covered without a waiting period, whereas most insurance policies do not cover the first six months after the policy is purchased.
- The insurance’s network covers (7) hospitals, (47) clinics and medical centers, (44) pharmacies.
- In accordance with the terms of the insurance policy, dependents of the employee can also benefit from the same benefits and prices.
- Patients can receive telehealth services including medical consultations conducted online or through the phone, enabling patients to receive advice and treatment without the need to visit a clinic or hospital. These services are offered with no co-payment, except for pharmacy services.
Participating Entities:
FAQs:
- Does the insurance cover pregnancy, childbirth, and dental care?
Not covered
- Are pre-existing chronic diseases covered by the insurance policy?
Covered without a waiting period
For Inquiries, contact 800382467