Get insured now, no more deadline extensions

People wait for strict action to be taken or penalties imposed before following laws and regulations

Asma Ali Zain

Published: Thu 15 Dec 2016, 8:51 PM

Dubai visa holders who have not obtained health insurance cover by December 31 will no longer be able to renew their visas, as the six month extension period comes to an end.
Also, no new visas will be issued if the individual concerned does not have health insurance coverage in place at the time of visa stamping or renewal.

Your guide to Dubai's mandatory health insurance scheme

However, an online poll carried out by Khaleej Times showed that nearly 70 per cent (of the 1,061 people who voted) were not yet covered, despite the deadline being just a few weeks away.

As announced earlier, individuals, their dependents and companies that have not yet insured their employees will be fined Dh500 per person per month for non-compliance, said Dr Haider Al Yousaf, director of health funding at Dubai Health Authority (DHA).
Once a breach of the law is identified (such as employers or sponsors not meeting enrolment deadlines to have insurance in place for employees or dependents), any fines that may be imposed will be backdated to the date of the breach.
"There is no more extension in the deadline," stated Dr Al Yousaf, speaking to Khaleej Times. In June, DHA announced a six-month extension which expires on December 31. "Unfortunately, people wait for strict action to be taken before following laws and regulations. and this time we are not extending the deadline," said Dr Al Yousaf. How the fines will be issues and collected will be explained at a later stage, the official said.
As of January 1, 2017, the real-time system linking with the General Directorate of Residency and Foreign Affairs (GDRFA) will be activated and in full effect.
According to a circular issued by the DHA last month, the system has been developed to monitor and ensure compliance with the law. It's also designed to detect gaps in insurance. For example: if an individual's health insurance policy expires on February 1, 2017 and their visa expires on January 1, 2017, when they renew the visa during January 2017, it will be renewed without any issues.
However, if the individual does not maintain constant health insurance coverage, the system will track and log the gap in insurance upon the next visa renewal, ie, if they were uninsured for two months between visa renewals, they will incur a fine of Dh1,000 (Dh500 per month) at the time of renewal. With around one million still needing to get insurance before December 31, Dr Al Yousaf urged insurance companies to provide cost effective and good quality packages to residents.
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Some insurance agents that Khaleej Times spoke to said there is enough awareness on the mandatory requirement of health cover. "We are getting a lot of inquiries every day," one said on condition of anonymity. "The inquiries are especially for dependents and housemaids." Another agent from Orient Insurance said that they were getting around 200 to 250 enquires daily for the Essential Benefits Package (EBP), which was for people earning less than Dh4,000, and around 140 inquiries for the dependents tailor-made packages.
Penalties and procedures
In order to be compliant with the law, all employers and individual sponsors insuring their employees, domestic help or dependents must provide all the required information. The penalty for an uninsured member, whether an employee or dependent, is Dh500 per month per member. In addition to the fines from DHA, this delay may cause the employer or individual sponsor to incur fines from GDRFA.
If delays in uploading the details of a policy holder member are caused by an insurer, in turn causing delays in visa issuance/renewal, a full investigation will be launched by DHA and fines of Dh10,000 may be applicable per policy. In addition to the fine, the insurer will also be responsible for covering the cost of their member's fines (whether DHA's fines and/or GDRFA fines). Currently, 3.6 million of the Dubai population is already covered - the DHA is targeting all four million. asmaalizain@khaleejtimes.com