Frequently Asked Questions
GOVERNMENT INSURANCE PROGRAM:
Who is eligible for the Government Insurance Program?
The Government Insurance Program is available to:
- Citizens of the Emirate of Dubai who are not covered by any other government health insurance scheme.
- Employees of government departments in the Emirate of Dubai, along with their eligible family members.
For further details, please visit: https://almadallah.ae/enaya-program
Contact Center: 800 ENAYA
HEALTH INSURANCE IN DUBAI:
To whom is health insurance mandatory?
Health insurance coverage is mandatory for all categories specified under Dubai Health Insurance Law No. 11 of 2013, including:
- UAE Nationals residing in Dubai
- Dubai residents (expatriates)
- Visitors to the Emirate of Dubai
How can health insurance be obtained in Dubai?
Health insurance in Dubai can be obtained either directly from permitted insurance companies or through permitted insurance intermediaries, which can be found within websites under permitted companies.
Who is responsible for paying an employee’s health insurance?
Employers are legally obligated to bear the full cost of health insurance premiums for their employees. Insurance costs must not be deducted from employee salaries under any circumstances.
Are employers required to cover employees’ dependents?
Employers are encouraged to provide health insurance coverage for employees’ spouses and dependents. However, if the employer does not provide such coverage, responsibility rests with the sponsor to ensure valid health insurance is obtained.
What is the minimum health insurance coverage required?
The Dubai Health Authority mandates the Essential Benefits Plan (EBP) as the minimum level of health insurance coverage. Full details are outlined in the Table of Benefits (TOB) under applicable laws and regulations.
What happens if an employer/ Sponsor fails to provide health insurance?
Employers/ Sponsors who do not comply with health insurance requirements will be subject to penalties in accordance with Dubai Health Insurance Law No. 11 of 2013.
