The UAE’s landmark mandatory basic health insurance scheme for employees has officially come into effect as of January 1, 2025. The Ministry of Human Resources and Emiratisation (MoHRE) has successfully launched this comprehensive healthcare initiative, providing coverage for both private sector employees and domestic workers across the emirates.
Implementation Already Underway
Private sector employers and domestic workers’ sponsors have begun enrolling their employees in the new insurance program, which offers coverage at a competitive rate of AED 320 per year. The ministry has confirmed that the insurance is now a prerequisite for all residence permit issuances and renewals.
Current Coverage Details
The newly implemented scheme provides comprehensive healthcare coverage through a structured payment system:
Inpatient Services
Employees now benefit from inpatient care with a 20% co-payment structure, capped at AED 500 per visit and AED 1,000 annually. Insurance providers cover all costs beyond these limits at 100%.
Outpatient Care
The scheme has established a 25% co-payment system for outpatient services, with patients paying no more than AED 100 per visit. Notably, follow-up appointments within seven days of the initial visit are free from co-payments.
Medication Coverage
Prescription medications are covered with a 30% co-payment from the insured, with an annual cap of AED 1,500.
Healthcare Network in Place
The insurance scheme has successfully established partnerships with:
- 7 major hospitals across the UAE
- 47 active clinics and medical centers
- 44 participating pharmacies
Innovative Features Now Available
Immediate Coverage for Pre-existing Conditions
Unlike traditional insurance policies, the new scheme is already providing coverage for chronic diseases and pre-existing conditions with no waiting period, marking a significant advantage for workers.
Active Telehealth Services
The implemented program includes functional telehealth services, allowing insured individuals to access medical consultations online or by phone. These virtual consultations are currently available without co-payments, except for pharmacy services.
Family Coverage Benefits
The scheme has successfully extended coverage to dependents of insured employees, who can now access the same benefits and pricing structure as the primary insured.
Two-Year Validity with Refund Option
The insurance policy remains valid for two years, with an important provision that allows for second-year premium refunds if the visa is cancelled, providing flexibility for both employers and employees.
Ministry’s Digital Support
MoHRE has released an informative video on their official X account, demonstrating the various aspects of the insurance package and helping employers and employees understand their benefits and responsibilities under the new system.
Impact on UAE’s Healthcare Landscape
The successful implementation of this mandatory health insurance scheme represents a significant milestone in the UAE’s healthcare sector. The program is already working to enhance the quality of life for workers and their families through accessible, affordable, and comprehensive health coverage.
Employers seeking to comply with the new regulations or employees wanting to understand their benefits can access detailed information through MoHRE’s official channels or contact their HR departments for specific guidance on their coverage.
