Employees are the life-blood of any organization. Ensuring their health and wellness is the key to keeping your business thriving and running at an optimum level at all times. Giving your employees medical coverage through group health insurance provides a caring environment at work while helping retain employee loyalty and attracting top talent.
As health insurance is compulsory for all expats and employees in the United Arab Emirates, how do you make sure you get the right insurance plan for your needs? Now Health UAE offers group health insurance plans for companies, businesses and employee organizations with varying levels of cover and benefits that can be tailor-made to their needs.
Health Insurance Requirements in the UAE
The World Bank estimated that the population of the UAE in 2018 was at 9.5 million. Of these, over 85 per cent are expatriates and immigrants, the majority of which are citizens from other Arab states, Indians, Pakistanis, Bangladeshis, British nationals, and others hailing from Europe, Australia, North America and Latin America.
In 2005, the emirate of Abu Dhabi enacted the Health Insurance Law 23 mandating that all employers and sponsors must provide health insurance coverage for employees and their families, including one spouse and three children under the age of 18. The law stipulates that the employer or the sponsor is prohibited from passing on the cost of the health insurance plans to the employees and their dependents.
All companies within Abu Dhabi are expected to comply with the health insurance law and for employees and dependents to ensure that they follow the insurance requirements set out. Insurance companies and other entities in the industry providing insurance products are regulated by the UAE Insurance Authority (UAE IA).
Dubai's Health Insurance Law No. 11 of 2013 took effect in 2014, which states that every sponsor has the legal liability to provide an "essential insurance package". The scheme, which was rolled out in three stages, stipulates that by June 30, 2016, all companies with any number of employees must have provided health insurance for all employees. By this date, all employed individuals should have health insurance coverage for their dependents, and all domestic workers should also have medical insurance. The Dubai Health Authority (DHA) also sets out that the health insurance coverage provided by employers and residents must meet or exceed the minimum benefits stipulated by the DHA.
Ensuring Coverage for All
Now Health in the United Emirates provides a wide range of group medical insurance policies to help companies and employees select the level of cover and benefits they want to keep monthly premiums affordable.
Smaller groups may choose the SimpleCare group plans that provide coverage for in-patient and out-patient treatments such as hospitalization and basic surgeries. These minimize medical expenses while still providing necessary health services.
For more comprehensive coverage, Now Health also carries the WorldCare plans that include in-patient, day-patient and out-patient care, with the option to include routine and complex dental treatment, routine maternity care, wellness check-ups and even vaccinations.
Now Health UAE makes it simple and convenient for its members to get medical treatment in the United Arab Emirates, thanks to its extensive network of 1,200 medical providers including hospitals, clinics and dental practitioners. Members can also download the Now Health smartphone app to help them with the claims process through a series of simple steps on their mobile phone.