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All domestic workers and employees of the private sector in the UAE must have basic health insurance coverage starting in 2025. With this new regulation, the remaining emirates, Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah, and Fujairah, will also be required to have health insurance, which is already the case in Abu Dhabi and Dubai.

Policy Overview 

The UAE Cabinet-approved Health Insurance Scheme was unveiled by the Ministry of Human Resources and Emiratization (MOHRE) in December 2024. This initiative was created in partnership with the Ministry of Health and Prevention (MOHAP), the Federal Authority for Identity, Citizenship, Customs, and Port Security (ICP), and a number of insurers with the mission of offering coverage to all employees in the UAE.

The best health insurance for worker Dubai and the UAE policies will be available from the reputed insurers. Find out the best and most suitable one after taking time for the research, because you can also purchase the cheapest health insurance for worker with maximum benefits and no hidden costs. 

Who is covered?

All workers employed by private businesses across all emirates and all domestic workers who are employed in the UAE are covered under this policy.

Does it cover the family of employees?

According to MOHRE, dependents of the employee's family are entitled to the same benefits and rates as stated in the insurance policy.

Who is responsible for health insurance purchases?

Firms are required to get the new health insurance for worker Dubai and the UAE policy before renewing or issuing residency permits. They can purchase the policy from an authorized insurance provider as of January 1, 2025. There are other ways to access options, such as the business service centers located around the UAE.

We minimize the financial strain on employers by providing reasonable prices and minimal treatment charges. Employers can reduce operating costs by using this cost-effective approach, which is significantly less expensive than paying for treatment out of pocket. Now, purchase the best health insurance for worker with the assistance of our experts. 

Basic Workers Health Insurance (WIH) in the UAE

'Workers' Health Insurance (WIH)' is the name of the employee health insurance plan that we offer with maximum benefits and on-time assistance.

Who is not covered?

Workers in the Northern Emirates (Ras Al Khaimah, Ajman, Umm Al Quwain, Sharjah, and Fujairah) particularly benefit from this mandated health insurance. Employees in Abu Dhabi and Dubai are exempt from it because they are already required to have health insurance. 

When are employees subject to the new health insurance requirement?

Until their permits are up for renewal, workers who have valid work permits issued prior to January 1, 2025, are exempt. When residency permits are renewed, the new policy becomes required.

Does getting a UAE residency permit require having health insurance?

Residency permits in the UAE now require health insurance. Prior to issuing or renewing residency permits, the ICP, a crucial implementing body for the new policy, makes sure that employees in the domestic and private sectors are covered.

Coverage of family members

The same benefits and costs apply to dependent family members of employees who are also covered by the health insurance plan. For health insurance for worker Dubai and the UAE policies that exclusively cover children, proof of the parent's insurance is required. Dependents over 64 must submit a medical application form, current medical records, and prescriptions. Copies of the insured's and sponsor's passports with the visa pages and Emirates ID are required in order to secure health insurance for dependents.

Does coverage extend to pre-existing conditions?

The basic health insurance plan does not have a waiting period for pre-existing chronic diseases.

What are the benefits of basic health insurance?

•Inpatient care: The insured is responsible for paying a 20% copayment, up to Dh500 each visit and Dh1,000 annually. When these limits are exceeded, the insurance provider pays 100% of the costs.

•Outpatient care: The insured is responsible for a 25% co-payment, up to Dh100 per appointment. Follow-up appointments that are arranged within seven days after the initial appointment do not require a co-payment.

Information about the health insurance plan

•Cost: With no waiting time for pre-existing conditions, the annual cost is Dh320.

•Validity: Two years; in the event that the visa is canceled, the second-year premium is refunded.

•Age coverage: Employees up to 64 are eligible. Workers over this age are required to disclose any medical conditions.

Coverage breakdown

•For inpatient care, there is a 20% co-payment cap of Dh500 per visit, with a Dh1,000 yearly limit. The insurance pays 100% of costs over these limits.

•Co-payments for outpatient care are 25% and are limited to Dh100 for each visit. There is no copayment for follow-up appointments for the same condition within seven days.

•The annual maximum for medication co-payments is Dh1,500, with a 30% limit.

45 pharmacies, 46 clinics, and 7 hospitals make up the health network.

Advantages for workers

•Better access to healthcare: Guarantees that all employees can get necessary medical treatment.

•Early disease detection: Makes it easier to detect and treat health issues early.

•Less financial strain: Offers workers and their families financial security.

•Improved healthcare system: Helps create a national health database that is more precise and comprehensive.

Coverage for medications, therapies, tests, and examinations

•Diagnoses, procedures, therapies, and inpatient testing: Capped at Dh500 each encounter and Dh1,000 per year, with a 20% co-insurance payment due from the insured for non-urgent medical cases (subject to previous insurer approval). Costs over these caps are fully covered by the insurance. For outpatient exams, diagnosis, and treatment, the insured is responsible for a 25% co-insurance fee for every visit, up to Dh100. Follow-up appointments for the same disease within seven days are free of co-insurance.

•Laboratory tests: 25% co-insurance is covered.

•Physiotherapy: Up to six sessions are covered (prior insurer approval is necessary).

•Medication and prescription drugs: Covered up to Dh1,500 with a 30% co-insurance.

Included are telehealth services as well.

Basic workers' health insurance exclusions

•Pregnancy and giving birth

•Dental treatment

•Vision correction procedures and lasers, as well as hearing and vision aids

•Nicotine addiction treatment and programs for smoking cessation.

•Cosmetic medicine

•Treatment options for obesity (weight control programs) include both non-surgical and surgical methods. 

•Mental health conditions (both inpatient and outpatient), unless there is an emergency.

Endnote

The UAE mandates health insurance coverage for all domestic workers and private sector employees in all emirates beginning in 2025. The Ministry of Human Resources and Emiratization is leading this initiative, which was approved by the UAE Cabinet and intends to promise that all workers in the nation have access to basic medical care.

We provide the best health insurance for worker plans that are tailored to their requirements. Our Workers' Health Insurance (WIH) plan supports both companies and employees by offering comprehensive coverage at reasonable costs. Prescription drugs, laboratory testing, inpatient and outpatient care, and even telemedicine consultations are covered under the health insurance for worker Dubai and the UAE. We have made sure that the plan provides high-quality treatment with low co-payment requirements, making it affordable for employees. You can choose the best benefits, but the cheapest health insurance for worker with us. 

Because we understand the value of family support, we also provide coverage for employees' dependents, promising that both employees and their families can benefit from the policy in the same way. The best health insurance for worker plan will definitely support the UAE's goal of a healthier, more sustainable workforce by emphasizing early disease detection, less financial pressure, and better access to healthcare. You can rely on us to meet the needs of your workers by providing the greatest coverage at the most affordable prices. Contact our experts for the best health insurance for worker Dubai and the UAE.