Can an employer ask the employee to contribute for his own cover or reduce the employee’s salary to compensate?
It will be possible for employers to do this provided the insurance company offers this facility.
As it is a matter of good employment practice to do so in order to assist with recruitment and retention of employees, DHA encourages employers to provide for dependents’ medical expenses although this is not compulsory.
The main purpose of the scheme is to ensure that all expatriates in Dubai have access to quality basic healthcare and the means to pay for it. There is a minimum level of cover that will need to be provided. The purpose of this basic benefit plan is to ensure that those who currently have little or no coverage will have benefits of a reasonable standard.The list of minimum benefits to be provided under ANY health insurance plan that is marketed in the Emirate of Dubai is available in the Append
All expatriate workers employed by entities licensed to trade in the Emirate of Dubai or any of its Free Zones.
Your employer (or you, if you are arranging cover for yourself or your dependents) can provide insurance which gives benefits in excess of the basic requirements but these additional benefits will normally require a higher premium.
You should receive a card confirming your enrolment in the insurance plan as well as information on the services you are entitled to and a list of providers (hospitals, clinics etc.) where you can receive these services. This list is often referred to as the “Network”. Your insurance company (or its Third Party Administrator) will have a network of providers in Dubai (and possibly other emirates) that you can use. You should refer to your member handbook, your insurer’s (or TPA’s)
This is limited to your spouse and dependent children who are on your sponsorship.
Firstly, you should check your employment contract to see if your employer has a contractual obligation under the terms of your employment to provide you and your family with medical insurance. Employers are encouraged to cover your spouse and dependents but in the event they do not then as their sponsor it will be your responsibility to arrange cover.
Yes. All resident expatriates working for Dubai registered companies (including Free Zone entities) must receive at least a basic level of cover as stipulated by Dubai Health Authority and paid for by the employer.