The Ministry of Human Resources and Emiratisation (MOHRE) has published a new guide clarifying the rules for employee health insurance, while emphasizing that it does not introduce any new obligations for employers.
Update to Application Procedures
The guide, released on Thursday, detailed existing procedures and showed how work permit approvals are now electronically linked to health insurance verification. It was clarified that employers cannot obtain or renew a work permit for an employee if that employee lacks valid health insurance coverage. The ministry's digital systems automatically check this status during the application process, which speeds up approvals and simplifies compliance.
Coverage and Employee Rights
The system covers both private and domestic workers. The guide strengthens several key guarantees for employed individuals. Firstly, it is established that the costs for subscription and renewal of insurance fall entirely on the employer, and employees should not contribute any funds towards this. Secondly, the insurance coverage must remain continuous throughout the entire validity period of the work permit and cannot be intermittent. Furthermore, employers are prohibited from canceling the policy during the permit's validity in a way that leaves the employee without coverage at any point of employment. Finally, the policy must comply with the minimum coverage standards set by the authorities.
Expansion of the National System
The national health insurance system for all private sector and domestic workers was completed at the beginning of 2025. This followed a cabinet decision mandating coverage for workers in the northern emirates, based on the existing systems in Dubai and Abu Dhabi. Until then, mandatory coverage was only required in Abu Dhabi and Dubai, leaving workers in Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah, and Fujairah without legal protection.
To facilitate the transition, a basic health insurance package was introduced, with a cost starting from just 320 dirhams per year, covering individuals aged one to 64. The new guide is part of ongoing efforts to create a more transparent and clear regulatory framework. The digital system ensures sustainable health protection for workers and provides greater regulatory compliance, while also protecting the rights of all parties in employment relations and increasing the efficiency of public service delivery.