The Dubai Health Insurance Law No 11 of 2013 which came into effect last 1 January 2014 aims to create an integrated health system for Dubai and phases in the requirement for all employers in Dubai to have in place compliant health insurance coverage for their employees. This covers all companies who are registered in the Dubai mainland and all Dubai free zones. The Dubai Health Authority (DHA) is now on its third phase of the implementation, which targets companies with less than a hundred employees, including all spouses, dependents and domestic staff and are expected to be compliant by June 30 2016.
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If an employer does not provide health insurance cover for an employee’s dependents, the employee himself is required to provide independently for his spouse and dependents including his servant if he has any.
The Government of Dubai, to ensure compliance has ruled that new visa issuances and renewals will be subject to provision of the health insurance in place for the employee and dependents.
As per the law, failure of the employer and the sponsor to provide for insurance will attract a fine from the UAE Government amounting to AED 500 per employee to a maximum of AED 500,000.
Furthermore, the cost of the insurance will be solely borne by the employer and any attempt to pass the cost to the employee is prohibited by law.