In UAE, businesses are legally bound to provide at least a basic healthcare insurance to the employees. A decent health insurance plan usually covers maternity hospitalization, pre and post hospitalization expenses, transportation expenses, nursing charges etc. It is not only imperative for employers to provide healthcare insurance to employees, bit it is also equally important to get it renewed in a timely manner.
Are employers liable to provide healthcare coverage for employees?
Even though the companies are facing a difficult time due to the COVID-19 pandemic all across the globe, employees’ needs must be taken care of which also includes health insurance.
Understand the law
If you are employee of a company based in mainland Dubai, then as per the provisions of Federal Law No. (8) of 1980 which regulates the Employment Relations in the UAE, it is the employer’s responsibility to provide healthcare insurance to its employees in Dubai. This is in accordance with Article 10 of the Dubai Insurance Law.
Know about the penalties
As per the provisions of Article 10, your employer is liable to provide you a basic healthcare policy among others. The employer is deemed to face repercussions in the form of penalties ranging from Dh500 to Dh150,000. If the law is violated repeatedly, penalties may reach Dh500,000. Furthermore, is your employer does not provide you a valid health insurance and do not reimburse the expenses, then you can approach the Ministry of Human Resources and Emiratisation and the DHA to file a complaint against your employer.
Learn about the nitty-gritties
It is important for the employees to understand the nitty-gritties of the health insurance provided by the employees. Remember that the heath insurance is valid for the length of the employee’s period in the company and the company should bear all the medical expenses including regular medical check-ups. The family members of the employee are also covered under the health insurance and can avail its services.
Click here to know about the best health insurance companies in Dubai.