The UAE has announced a basic health insurance package for private sector employees and domestic workers in the Northern Emirates, starting from January 1, 2025 for as low as AED 320 per year.
The policy is valid for 2 years, and the second-year premium can be refunded if the visa is cancelled.
Under the basic health insurance package there will be no waiting period for workers suffering from chronic illnesses.
It covers individuals aged 1 to 64, while those over this age must complete a medical disclosure form and attach recent medical reports.
5 Emirates:
The health insurance scheme will extend coverage to private sector workers in the Emirates of Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah, and Fujairah.
The new health insurannce system is already mandatory in Abu Dhabi and Dubai.
Basic Health Insurance Package Covers:
This package covers treatment expenses with a 20% co-payment for inpatient care if patients are hospitalised for medical treatment or surgeries. The insured pays a maximum of Dh500 per visit with an annual cap of Dh1,000, including medications. Beyond these limits, the insurance company covers 100% of treatment costs.
As for outpatient care patients who require medical visits, diagnostic tests, or minor procedures that do not necessitate a hospital stay, the co-payment is 25%, where the insured pays a maximum of Dh100 per visit.
No co-payment is required for follow-up visits for the same condition within 7 days, while co-payments for medications are capped at 30%, with an annual cap of Dhs1,500, said the Ministry of Human Resources and Emiratisation (MoHRE).
The basic plan network includes 7 hospitals, 46 clinics and medical centres, and 45 pharmacies. The list will be updated soon or it will be available on our Facebook Page once received.
Dependents from the worker’s family can access the same benefits and pricing as specified in the insurance policy.
How to Purchase:
Starting January 1, 2025, employers (companies) can purchase the new insurance package via the DubaiCare Network or any other product from accredited insurance companies through various channels, including the Insurance Pool website and smart phone application, as well as business service centres across the UAE.
This will ensure that 100% of workers are covered by insurance that reflect UAE’S commitment ensuring a decent life by providing access to high-quality healthcare services for both private sector workers and domestic workers.
News Source: MOHRE Media Center