“Human Resources” provides health insurance at a competitive price for all workers in the private sector and support workers in the country

In implementation of the health insurance system that Approved by the Council of Ministers.

The health insurance system, which will be implemented as of January 1, 2025 based on the decision issued by the Council of Ministers in this regard, covers various categories of workers in the private sector in Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah and Fujairah, thus including 100% of the workforce in the labor market in insurance packages. The health system, which was implemented compulsorily in the Emirates of Abu Dhabi and Dubai, applies to workers employed by private companies and domestic workers.

Employers must purchase the new health insurance policy, as a requirement for issuing and renewing residency. The compulsory insurance system does not apply to workers who have work residencies issued before January 1, 2024 and that are still valid, while health insurance is mandatory for this category of workers when renewing their residencies.

Khalil Al-Khoury, Undersecretary of the Ministry of Human Resources and Emiratisation for Labor Market Operations and Emiratisation, said: “The health insurance system comes within the framework of the state’s keenness to complete the protection system for all workers in the labor market and support the provision of a decent life for them by providing a comprehensive health system characterized by quality and providing therapeutic services to workers in the private sector.” And auxiliary workers, which is considered a great success added to the process of successes witnessed by the labor market in the country within a comprehensive vision to expand the umbrella of the integrated human rights and social protection system that includes the workers’ protection system and the unemployment insurance system. About workers and the optional alternative system for end-of-service bonus “savings system”, in order to reinforce the established trends in providing a safe and healthy work environment for workers and achieving quality of life for them.”

He stressed that: “The health insurance system will have a significant positive impact on enhancing the competitiveness of the UAE labor market by contributing to raising competitive indicators with regard to the quality of life of individuals and human rights, social and health protection, in parallel with the significant positive impact on workers, employers and society in terms of reducing The financial cost resulting from the treatment and unpaid leave that this worker receives if she is not insured.

For his part, Acting Director General of Identity and Foreigners Affairs at the Federal Authority for Identity, Citizenship, Customs, and Ports Security, Khalil Al-Khouri, explained that the introduction of the basic health insurance package for workers in the private sector and domestic workers in the Emirates is an important step to complete the health insurance system in the country and provide health care to all groups, and it is a step that embodies… The directives of the wise leadership of the UAE regarding improving the quality of life of society, preserving human rights, and providing care for all its members, in a way that enhances the level of productivity and advances the process of sustainable development forward, as well as On supporting the country’s leadership and competitiveness in global indicators.

He added that the approval of the health insurance system reflects the humanitarian and civilizational orientations of the UAE, and confirms its keenness to adhere to international human rights conventions and provide health care to all residents on its soil.

He said: “The Federal Authority for Identity, Citizenship, Customs, and Port Security is pleased to be an important part of the approved development plan to enhance the competitiveness and attractiveness of the labor market in the UAE, through electronic connectivity with strategic partners from ministries, government agencies, and private sector institutions, especially the insurance sector, where the Authority By verifying the availability of insurance coverage for workers in the private sector, the business sector, and domestic workers before issuing residency permits in order to preserve the rights of workers and ensure that they have access to health care as one of their basic rights assigned by legislation. And the laws that regulate the labor market in the country.”

For his part, Undersecretary of the Ministry of Health and Community Protection, Dr. Muhammad Salim Al-Olama, pointed out that the launch of the health insurance system for workers in the private sector and domestic workers comes within the framework of integrating national efforts to improve the quality of life in the country and the sustainability of health services, and also reflects the commitment of the Ministry of Health and Community Protection to enhancing the quality of care. Health and the development of a sustainable and comprehensive health system. This system contributes to achieving a qualitative shift by including new segments of society under the umbrella of health insurance, allowing them to access integrated health services characterized by quality and excellence.”

He said that this system contributes to revitalizing the health sector by expanding the scope of services provided and ensuring their inclusion for all groups, which creates a more stable and developed health environment. It also represents an effective tool for early detection of diseases, which enhances readiness to deal with urgent health challenges, and supports efforts to prevent chronic diseases, within the framework of the Ministry’s strategy to govern an integrated preventive and curative health system by developing pioneering policies and managing public health programs to ensure proactive, interconnected, comprehensive and innovative health services.

He added: “This initiative enhances the results of the ‘My Care’ platform, the integrated digital system for healthcare that falls within the Unified National Health File (NUMR) project and the Population Health Department, as the inclusion of these categories contributes to expanding the national health database, to be more comprehensive and accurate.” “This enhances the capabilities of health research, strategic planning, and allocating resources more efficiently, and these efforts contribute to developing the health sector in an integrated manner, enhancing its competitiveness and aligning it with the country’s directions and priorities.”

Basic health insurance package

The insurance package developed through the “Care-Dubai Care Network” is characterized by an appropriate competitive price and a nominal treatment cost that will reduce the financial burden on employers, especially since the insurance value is much less than their bearing of the costs of treating their employees, which reduces operational costs. It targets workers in private sector establishments and domestic workers.
The document lasts for two years, and the value of the document can be refunded for the second year if the residency is cancelled.
The cost of the basic insurance package is 320 dirhams per year without a waiting period for the worker in the event he falls ill with a chronic disease, and for the age group from one to 64 years, and if he is over this age, he must fill out the medical disclosure form and attach recent medical reports.

This package covers treatment expenses with a 20% deductible for health care for inpatients (those who are admitted to the hospital to receive medical treatment or undergo surgery), where the insured pays a maximum amount of up to 500 dirhams per visit and an annual maximum of 1000 dirhams, which includes medications. Above these limits, the insurance company will cover 100% of the treatment costs.

As for outpatient patients (those who do not require hospital stay and include medical visits, diagnostic tests, and simple operations), the tolerance rate is 25%. The insured pays a maximum of 100 dirhams for each visit, and there is no deductible if the follow-up visit takes place within seven days for the same disease. The deductible rate is 30%, covered up to 1,500 dirhams annually for medications.
The network covers 7 hospitals, 46 clinics and medical centers, and 45 pharmacies, and dependents who are members of the worker’s family can benefit from the same benefits and prices for the product in accordance with the provisions of the insurance policy.

Employers can purchase the insurance product, whether represented by the new package from the “Care-Dubai Care Network,” or any other product from approved insurance companies, through several channels starting from January 1, 2025, such as the website and the smart application of the insurance complex, in addition to businessmen service centers. To view more information and learn about the different insurance packages, you can visit the website of the Ministry of Human Resources and Emiratisation, the Federal Authority for Identity and Citizenship, Customs and Ports Security, and the Ministry of Health and Prevention. the society.