New Health Insurance scheme in Dubai

New Health Insurance scheme launched in Dubai

We covered the health insurance launch earlier. Read it here.

As per the article published in Gulf News 19th December, 2013 the new health insurance law for Dubai which is going to be implement beginning of next year the entire population of the emirate of Dubai will come under the new insurance law. There will be different schemes for visitors which will announce in time. The health card will be replaced by the new insurance card. All DHA facilities-clinics and hospitals will be part of the insurance network.

health insurance scheme in dubai

The minimum premium will be between Dhs 500-Dhs700 and maximum insurance cover per person per annum of Dh 150,000.

The basic coverage includes:

  • GP visits
  • Referral to specialists
  • Surgical procedures
  • Tests and investigations
  • Maternity and emergencies

Cosmetic, dental and optical medical procedures will be excluded. Patients will not be entitled to private rooms only general rooms will be provided under the basic cover.

The DHA defined the minimum legal requirement and basic benefit package. If the organization chooses to give anything higher than that and better insurance network packages, it will be their prerogative.

The DHA is working with insurance companies to work out attractive family insurance packages with low premiums to encourage organizations to provide for family cover. If employer does not then the employee will have to pay for insurance cover for spouse and children.

New insurance scheme will be linked to the visa renewal.

All emergency cases will also be covered by the insurance and in any emergency procedure will not require a pre-authorization.

No company can shift the burden of the premium on the employee. If it happens DHA will have strict punitive laws in placed to take action in case an employee files a complaint. In any case DHA is going to be the official insurance regulator.

The implementation of the new rule regarding Health insurance scheme is a great step forward towards providing and facilitating quality and best health case service in Dubai .

What companies are required to do for New Health Insurance Scheme

Phase 1:

Companies with more than 1000 employees will have to bring their employees under the insurance cover by October, 2014

Phase 2:

Companies with 100-999 employees will have to implement the full health insurance coverage by July 2016

Phase 3:

Companies with less than 100 employees will have to implement the health insurance coverage for all its employees by June 2016

All Dubai residents will be covered under DHA’s health insurance plan by July 2016.

About Deepak 505 Articles
Deepak is a passionate blogger with interests in bitcoin, online marketing, and writing.

2 Comments

  1. Good day!
    Hi Sir deepak, Sir the company terminated me last June 21 . That time they dont have grounds i dont know what is the reason why they did to me. Actually before 1 month ago they are everytime calling me just to resign. They are forcing me to resign! I am limited contract thats why i dont want to resign I know that i will get ban. So they told me that if you will not resign then we will terminated you. Then i told its up to you I am not doing wrong thats why i dont want to resign. My operational manager has personal angry to me i know and i feel she doesnt like me personally.Thats why Shes giving me a paper everytime even small mistake. She gave me until final written warning letter. Small mistake shes making me a problem and everytime she is forcing me to sign because if i will not sign that letter she will terminated me that timE I am afraid to fight because i do t to loose my job. My family needs my financial support. But Sir that letter I got almost 6 months ago. She put me on Article 120 the reason why she terminated me. Then She gave me the letter and i didnt sign the letter. Only I did is clearance because i need to surrender all keys and password which i handed before. But termination paper didnt sign. sir i want to ask do you think i will gea kur ban or immigration ban.I complain already in the MOL. Because i know that this is not about work , coz im not doing wrong about work and i didnt get any loss or damage from the company. . My end of contract is this coming december Sir. But they terminated me. Until now i didnt get any update fromthem . If im calling they are not answering? And Sir until now they didnt give me vacation, im almost 2years this coming decembera and i dont have vacation,? and i have 1 month i worked before terminated.but not yet “paid. Sir please help me I need advice what im going to do? Do you think sir my visa is already cancel? Or they need my signing before they cancel? Thanks Sir. Please help me..

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