Dubai health insurance deadline further extended through 2017

The Dubai Health Authority (DHA) is to continue accepting health insurance applications in 2017 due to the end of 2016 rush by residents to buy insurance packages.

This is the second extension of deadline by the authorities in order to give enough time to the remaining people still without insurance, who are understood to number around 80,000 in the region. The first extension was granted from June 30 to December 31, 2016, as previously reported, however, the new deadline has not yet been specified, according to reports in local news outlet Gulf News.

Dubai residents do not have the mandatory health insurance cover will face a fine of Dh500 (US$136) per month until they can prove cover. As well as the fine, no new visa will be granted and no existing visas will be able to be renewed without health insurance, according to Dubai Health Authority rules.

The Essential Benefit Package of the mandatory insurance ranges from Dh565 (US$154) to Dh650 (US$177) — which is not much more than the cost of a single month’s fine.

In a statement to Gulf News, the DHA said: “The Dubai Health Authority has made the decision due to the high influx of customers flocking to insurance companies in the last few days and in consideration to those who were not able to get the insurance in time due to one circumstance or other.”

Dr Haidar Al Yousuf, director of Health Funding at DHA, said all insurance companies are working non-stop to cope with the number of companies and individuals coming to get the health insurance. He added that there has also been a large number of online transactions on the insurance companies’ websites.

98% covered

More than four million people — 98% — of Dubai residents are now covered under the Dubai health insurance system.

The initial deadline for Phase 3 of the health insurance coverage, which applies to dependents, spouses and domestic workers, was, as reported, to end on June 30, 2016, but a grace period of six months until December 31 was provided.

The Dubai Health Insurance Law No. 11 of 2013 was adopted under the directives of His Highness Shaikh Mohammad Bin Rashid Al Maktoum, Vice-President and Prime Minister of the UAE and Ruler of Dubai.

According to the Dubai Health Insurance Law that came into effect in January 2014, the legal liability for every sponsor is to provide an essential insurance package — fixed between Dh550 (US$150) and Dh700 (US$191) — so that those with salaries under Dh4,000 (US$1089) per calendar month receive adequate cover.

“The government has ensured that there are affordable packages in the market, starting from Dh600 (US$163). With around Dh2,000 (US$545), the dependents can all be insured. It is an affordable amount. The essential benefit plan covers doctors’ visits, referral to specialists, surgical operations, maternity, emergency services, investigations, medication and all benefits required,” Dr Al Yousuf told Gulf News previously, according to the report.

ABOUT THE AUTHOR
Gary Robinson
Deputy Editor, International Investment and Head of Video at Open Door Media Publishing. A fully qualified journalist and filmmaker with more than 20 years' financial services experience, both as journalist and originally as an IFA.

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