A KT reader wants to know if his family members will also be provided coverage by his sponsors
Question: I will be taking up a job in a mainland Dubai company shortly. I understand I will be working on a standard two-year visa. Please clarify who is to bear the costs of medical insurance for myself and my family.
Response: Pursuant to your queries, the provisions of Federal Decree Law No. 33 of 2021 on the Regulation of Employment Relations (the ‘Employment Law’) and those of Law No. 11 of 2013 Concerning Health Insurance in the Emirate of Dubai (the 'Dubai Health Insurance Law') are applicable.
In the UAE, an employer is obligated to provide health insurance to its employees. This is in accordance with Article 13 (8) and (9) of the Employment Law, which states, "The Employer shall:
(8) Bear healthcare costs in accordance with the legislation in force in the UAE.
(9) Bear the costs of insurances, contributions and securities specified by the legislation in force."
Further, the Dubai Health Insurance Law stipulates the obligations of the employer. Article 10 of the Dubai Health Insurance Law states: “The employer shall be obliged of the following:
1. Cover the employees thereof by health insurance in accordance with the health insurance policy applicable thereby, providing to comply with the provisions of this Law and the resolutions issued pursuant thereto.
2. Bear the costs for such health insurance coverage rather than making the beneficiaries bear such costs.
3. Verify...
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