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UAE regulation: Are employers obliged to acquire medical insurance for his or her staff? – News

Published

9 months ago

December 25, 2022

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A brand new resident of UAE asks KT if they should contribute for a similar

Revealed: Solar 25 Dec 2022, 8:31 AM

Query: I lately arrived within the UAE for the primary time on an employment visa. I wish to know whether or not the corporate pays for the medical insurance of staff or if I’ve to contribute to my medical insurance. Please information.

Response: Necessary medical insurance is a topic of discretion for the competent authorities at every Emirate of the UAE, as of now. Since you haven’t talked about the identify of the emirate the place you’re employed, we assume that you’re employed in both Abu Dhabi or Dubai.

In Abu Dhabi

Within the emirate of Abu Dhabi, the Legislation No (23) of 2005 Regarding Well being Insurance coverage within the Emirate of Abu Dhabi and the Implementing Regulation (the “ADHIL”) makes it obligatory for employers to supply medical insurance protection to all their staff and respective relations as nicely. That is in accordance with Article 5 of the ADHIL which reads as follows:

The employer shall undertake to supply medical insurance protection for all its staff/ staff and their relations together with an worker’s/ employee’s spouse and three kids below 18 years of age. Each sponsor shall undertake to supply insurance coverage protection for these sponsored by it who usually are not lined by the employer. A non-UAE nationwide could not acquire a residence allow or renewal thereof, nor could he be employed, until after enrollment into the medical insurance scheme.

In Dubai

Within the emirate of Dubai, Legislation No 11 of 2013 Regarding Well being Insurance coverage within the Emirate of Dubai, which can also be referred to as the Dubai Well being Insurance coverage Legislation No 11 of 2013 (DHIL) is the chief laws governing obligatory medical insurance. By the provisions of Article 11 of the DHIL, the ‘sponsors’ of visas are obliged to supply medical insurance protection for the individuals sponsored. The complete provisions of Article 11 learn as follows:

The sponsor shall be obliged of the next:

Cowl the individuals sponsored thereby in the event that they haven’t been lined by the employer thereof.
Bear the price of such medical insurance protection somewhat than making the beneficiaries bear such prices.
Confirm that the medical insurance of the individuals sponsored thereby is legitimate for the size of their residence or visiting interval.
Bear the well being companies and medical intervention prices in emergencies for any of the individuals sponsored thereby if any of them has no medical insurance in accordance with the provisions of this Legislation.
Give the individuals sponsored thereby the medical insurance card.
Present the medical insurance coverage upon the residence or visiting issuance or renewal of the individuals sponsored thereby.
Some other obligations specified by the Authority pursuant to the resolutions issued thereby in such concern.

Pursuant to your question, if you’re employed in Abu Dhabi or Dubai, the employer or sponsor (as relevant) shall be obliged to acquire medical insurance protection for you, with none financial contribution from you or deduction out of your wage.

Ashish Mehta is the founder and Managing Associate of Ashish Mehta & Associates. He’s certified to practise regulation in Dubai, the UK and India. Full particulars of his agency on: www.amalawyers.com. Readers could e-mail their inquiries to: information@khaleejtimes.com or ship them to Authorized View, Khaleej Instances, PO Field 11243, Dubai.

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