Starting January 1, 2025, all private sector employees and domestic workers in the UAE must have basic health insurance coverage as part of a new government policy. This initiative, introduced by the Ministry of Human Resources and Emiratisation (MOHRE) and approved by the UAE Cabinet in December 2024, aims to improve healthcare access, promote early disease detection, and reduce costs for both employers and workers.

The mandatory insurance, which was already in place in Abu Dhabi and Dubai, now extends to the remaining emirates, including Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah, and Fujairah. Employers are required to purchase the coverage to issue or renew residency permits for their employees.

Employers can choose from various options to buy the policy, including the DubaiCare Network or other accredited providers. The DubaiCare Network offers competitive rates, easing the financial strain on businesses. For workers, the cost of the policy is Dh320 annually, with no waiting period for pre-existing conditions.

The package also includes coverage for dependents at the same pricing if specified in the policy. Workers with permits issued before January 1, 2025, can wait until renewal to comply with the new rules.

The health insurance policy provides comprehensive benefits such as inpatient and outpatient care, medication coverage, and access to a network of hospitals, clinics, and pharmacies. Co-payment caps ensure affordability, while the policy’s two-year validity offers flexibility, including refundable premiums if a visa is canceled.

The policy is set to provide significant benefits for employees, including better access to essential healthcare, financial protection, and early treatment of medical conditions. It also contributes to a more robust national healthcare system.

According to Gulf News, the initiative is expected to reduce out-of-pocket expenses for employers while improving healthcare standards, ensuring that all workers in the UAE are adequately protected.