The UAE has announced the launch of a nationwide basic health insurance scheme, aimed at extending mandatory coverage to private sector employees and domestic workers across all emirates. Scheduled to go into effect on January 1, 2025, the initiative aligns with the country’s commitment to improving healthcare accessibility and ensuring workers’ well-being.

This new scheme will apply particularly to the Northern Emirates—Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah, and Fujairah—where health insurance was previously optional. Employees in Abu Dhabi and Dubai are already covered under existing mandates.

Under the new regulations, employers must purchase health insurance for their workers as a requirement for issuing or renewing residency permits. However, current work permits that remain valid before January 1 are exempt until their renewal period.

Cost and Coverage Details

The basic health insurance package costs Dh320 ($87) annually, with no waiting periods for workers with chronic illnesses. The plan provides:

• Inpatient care: 20% co-payment (up to Dh500 per visit; Dh1,000 annual cap).
• Outpatient care: 25% co-payment (up to Dh100 per visit) and no fee for follow-up visits within seven days.
• Medication: 30% co-payment, capped at Dh1,500 per year.

The scheme covers individuals up to 64 years of age, with additional medical disclosures required for older workers.

Benefits of the Scheme

This initiative is expected to:

• Reduce financial burdens for employers and employees.
• Improve healthcare security and quality of life for workers.
• Enhance the UAE’s competitiveness in global labor markets.

With a network comprising 7 hospitals, 46 clinics, and 45 pharmacies, the scheme ensures broad accessibility. Dependents of workers can also avail themselves of similar benefits at the same affordable pricing.

By standardizing health insurance coverage nationwide, the UAE continues to prioritize workers’ rights and healthcare access, reinforcing its status as a leader in social welfare and labor market competitiveness.