Dubai: The Ministry of Human Resources and Emiratisation has expanded the network of healthcare providers offering the UAE’s basic health insurance package for private-sector workers and domestic helpers, increasing the total to 380 providers nationwide, up from 100 previously.
The ministry said the expanded network delivers a broad range of services, including treatment for chronic illnesses with no waiting period, emergency care, ambulance and patient transport services, and telemedicine. Beneficiaries are also entitled to free medical consultations and laboratory tests.
The insurance policy is valid for two years, with officials confirming that the fee for the second year is refundable if a work permit is cancelled during the first year. The initiative forms part of wider efforts to improve quality of life and strengthen job stability across the private sector.
According to MOHRE, the scheme reduces financial pressure on employers by providing comprehensive healthcare coverage at a fraction of the cost of direct medical treatment. It also supports the UAE’s labour market competitiveness by reinforcing health and social protection standards.
The basic health insurance package was introduced to offer affordable and inclusive coverage for private-sector workers and domestic helpers in Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah and Fujairah, in line with a Cabinet decision to roll out nationwide health insurance coverage from January 1, 2025.
MOHRE confirmed that the annual cost of the package remains Dh320, making it one of the most affordable health insurance schemes in the country. The same benefits and preferential rates are available to dependants of insured workers, extending coverage to families.
Under the policy, in-patient treatment is subject to a 20 per cent co-payment, capped at Dh500 per visit and Dh1,000 per year, after which insurance providers cover costs in full. Outpatient services carry a 25 per cent co-payment, capped at Dh100 per visit, with no co-payment for follow-up visits for the same condition within seven days. Medication requires a 30 per cent contribution, capped at Dh1,500 annually.
Employers are required to purchase the policy as a mandatory condition for issuing or renewing residency permits. Coverage must be arranged through approved insurance networks, with the full cost borne by private-sector employers, including sponsors of domestic workers.
The ministry said it completed an impact assessment of the insurance package in December, reviewing customer feedback and implementation outcomes to ensure alignment with labour market needs. A public consultation has also been launched to gather suggestions for further improvements, reflecting ongoing efforts to enhance healthcare access and quality for workers across the UAE.
