Insurance for UAE businesses and employees

Yes. Dubai employers must provide health insurance for their employees, and the Dubai Health Authority can fine an employer AED 500 per uninsured person for each month without cover. Valid cover is also needed during the residence visa process. We help you compare compliant plans from licensed insurers and keep enrolment in step with each employee's visa dates.

Since 1 January 2025, employers in Sharjah and the Northern Emirates must provide health insurance for their employees and pay for it themselves. The basic package under the scheme costs AED 320 a year, and employers can choose a broader plan if they prefer. We check the current scheme rules for the emirate where each employee's visa is issued and help you arrange cover.

ILOE is Involuntary Loss of Employment insurance, a mandatory scheme that pays a limited benefit if an employee loses their job for reasons other than resignation or disciplinary dismissal. It covers private-sector employees, including free zones. The employee's premium depends on salary, at AED 5 or AED 10 a month, and failing to subscribe carries a fine of AED 400. We confirm the current rules before your team subscribes.

No. Global Sky PRO is a private consultancy, not an insurer. Policies are issued by licensed insurers, which set premiums, issue policy documents and decide claims. We help you compare and arrange cover, collect the information insurers need and keep enrolment aligned with visas and renewals. Our service fee is quoted in writing before any work starts.

Usually not as the employer. In Dubai, the person who sponsors a family member's visa is responsible for insuring them, so an employee sponsoring a spouse or children arranges their cover. Some employers choose to include families as a benefit. We can help employers or employees compare family plans and line them up with visa renewals.

The basic package under the Ministry of Human Resources and Emiratisation (MOHRE) scheme covers inpatient care with a 20% co-payment, capped at AED 500 a visit and AED 1,000 a year, and outpatient care with a 25% co-payment of up to AED 100 a visit. Medicines carry a 30% co-payment capped at AED 1,500 a year. Chronic conditions are covered without a waiting period, but pregnancy, childbirth and dental care are not. We can compare broader plans from licensed insurers.

Source: MOHRE: health insurance scheme

Involuntary Loss of Employment (ILOE) insurance pays up to 60% of the employee's average basic salary over the six months before the job loss, for up to three months per claim. The monthly cap is AED 10,000 for basic salaries of AED 16,000 or less and AED 20,000 above that, with a lifetime limit of 12 monthly payments. To claim, the employee must have paid premiums for 12 consecutive months and must not have resigned or been dismissed for disciplinary reasons.

Source: ILOE: about the Involuntary Loss of Employment scheme

Employees whose work permits were issued before 1 January 2025 need the policy when their residence permit is next renewed. The Ministry of Human Resources and Emiratisation (MOHRE) makes the policy a prerequisite for issuing or renewing residence permits in Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah and Fujairah. It covers private-sector employees and domestic workers, and the employer pays. Arrange cover before each renewal date so the visa is not held up; we track those dates for you.

Source: MOHRE: health insurance scheme