Residents of Dubai and their employers/sponsors are now required to disclose certain information to procure their compliant health insurance, or they run the risk of not obtaining or renewing a Dubai residence visa.

The Dubai Health Authority (DHA) promulgated General Circular Number 6 of 2015 (GC 06/2015) (GC) pursuant to Health Insurance Law (No 11 of 2013) of the Emirates of Dubai (the “Law”). 

This means that controls have been put in place to police and enforce the Dubai mandatory health insurance for all Dubai residents under the Law and GC. 

The DHA and the General Directorate of Residency and Foreign Affairs (GDRFA) have teamed up to enforce mandatory health insurance as one of the conditions of Dubai residency. If a compliant health insurance plan is not registered and uploaded to the register (see below) then visas will not be issued or renewed for Dubai residents. 

What does this mean for the Brokers? 

Brokers will need to gather certain information and data from their clients to be uploaded to the DHA’s Health Funding Department (HFD) Members’ Register. 

The Register will be evidence that a compliant health insurance plan is in existence, in which case that client’s visa application or renewal can proceed. 

The Register will be fully operational by 1 October 2015. Before this date or where an individual cannot be found on the Register, the GDRFA will require evidence of a Certificate of Health Insurance (CHI). 

Brokers will need to gather the following information and data from their clients:

  • First Name
  • Second Name
  • Family Names
  • Contact Number
  • Birth Date
  • Gender
  • Nationality
  • Passport Number
  • Marital Status
  • Email Address
  • Emirate
  • Residential Location
  • Work Location
  • Salary Band
  • Commission
  • Emirates ID No.
  • UID Number 

Member

  • ID
  • Relation
  • Relation to

All of the above information mandatory apart from the contact number and email address. 

What should Brokers be doing? 

Brokers should look at their existing books of business to review their insured member population in Dubai and ascertain from which dates they need compliant coverage in place based on the implementation legal phasing in of systems. i.e.

Phase 1 – 1,000 or more employees by 31 October 2014; 

Phase 2 - more than 100 and up to 1,000 employees by 31 July 2015; and 

Phase 3 - up to 100 employees plus all dependents and domestic staff by 30 June 2016. 

Given dates for Phases 1 and 2 have now expired, brokers should be working with their client towards the Phase 3 stage. 

Most of the information required for disclosure purposes from the insured will already be on the insurer’s application form, although we note that salary band and commission may be a new addition. It should be noted insured members earning below AED 4,000 a month, which includes their basic salary, allowances and commission can only seek coverage for mandatory health insurance from a Participation Insurer (PI) and not a DHA licenced insurer with a Health Insurance Permit. 

Overseas brokers will need to educate and inform their overseas clients with head offices outside Dubai who have populations of employees in Dubai.