Why Health Insurance In Dubai Is Important ?
Health insurance is important for everyone in Dubai. Uninsured people with less medical care will have worse health conditions, and lack of insurance is a financial burden to them and their families. When you’re searching for a Health coverage, it’s a good idea to check out all aspects. Such as coverage provided, the treatment, financial cost and the medical network. We at Alia Insurance Broker place a strong emphasis on quality health care at affordable prices.
However, we have various networks which offers you cashless hospitalization at huge network of hospitals. As UAE can be an extremely expensive city to reside in. Buying a medical insurance coverage will be good for you against the increasing medical charges.
Health Insurance Dubai - Medical Insurance Dubai (Laws)
MEDICAL Insurance Legislation of Dubai No 11 of 2013 requires that Residents will need to have medical / health insurance. It needs to meets or exceed minimum amount benefits stipulated by Dubai Health Specialist (DHA).
In Dubai employers are legally responsible to provide medical cover for their employees. Article 10 section 2 states that employers must not deduct insurance premiums. And or reduce the salary of the employee to compensate for the cost of insurance cover.
Regulations also states that dependents (this consists of spouse and children) and local staff (including maids, cooks, individuals) of the employee must also be covered for basic insurance. This basic health cover is called the Essential benefits plan (EBP).
Companies are under no responsibility to provide cover to dependants with their employees. (Although they should accomplish that activity), and the work lays with the visa sponsor.
Regulations were rolled out in phases which came into effect in January 2014.
Companies with 1,000 or higher employees had a deadline of October 31st 2014.
The DHA has mentioned that fines will be imposed on sponsors and employers who don’t abide by the regulation. Fines of AED 500 will get for every one month of non-compliance. No new visas will be honored, and existing visas won’t be renewed. Fines will be paid through the renewal or cancellation of house visas.
For Emiratis (local people of UAE), their medical insurance is covered by the Government insurance scheme that is set out by the Dubai Health Authority (DHA). Nationals who work in the private sector have the option of choosing their employers health ins. policy or to join the Government scheme.
Health Insurance Sharjah - Medical Insurance Sharjah (Laws)
Health Insurance Sharjah comes under the supervision of The Ministry of Health. It enforces the healthcare regulation in the UAE for Ras Al Khaimah, Ajman, Umm al Quwain, Sharjah and Fujairah. However, some Emirates have their own healthcare institutions.
In these Emirates (States) it is not compulsory by law to provide cover to employees or their dependants.
Buy Health Insurance For Individuals Or Family In Dubai
Documents Required For Insurance :
- Emirates ID ( Both sides )
- Passport Copy With Visa Page
- Company Contract ( If Main Applicant )
- Other document required if Company.