Hello UAE Fans, Kamusta sa lahat
We direct maintain been asked enough of times that:
1: Are Domestic workers required wellness Insurance?
2: Do housemaids direct maintain correct to apply for Health Insurance?
3: What virtually the Insurance for other domestic helpers as well as workers such every bit Drivers, Cook?
4: Will Employee demand to pay his/her Medical Insurance?
5: What is the Lowest Salary for Medical Insurance?
6: What if someone salary is less than 2000 AED?
Are domestic workers, such every bit maids, cooks as well as drivers, required to direct maintain coverage?
Please banker's complaint that the Dubai Health Authority (DHA) announced inwards 2016 that all residents inwards Dubai volition survive required to accept purpose inwards a wellness insurance scheme.
Read it again, all residents whether they are businessmen, full general helpers, housewives, children, drivers, maids, cleaners or cooks.
They all are required nether the Dubai Health Insurance Law No xi of 2013 to direct maintain wellness coverage.
In example if they neglect to produce so, the UAE visa volition non survive renewed or volition survive penalized.
The legal liability for every sponsor is to supply an essential insurance package, fixed betwixt 550 AED as well as 700 AED, as well as then that those amongst salaries nether 4000 AED, such every bit domestic workers, have adequate cover.
So, according to the DHA, all domestic workers required to direct maintain coverage as well as their sponsor has to pay for it.
The Insurance System for Advancing Healthcare inwards Dubai states: “Where a someone employee domestic workers on their sponsorship, whether the sponsor is a national or a resident, the sponsor must conform as well as pay for insurance coverage”.
Is it allowed for Company or Sponsor to deduct coverage fee from employee salary?
No, non at all, at that spot is no Charge on Employees (workers) for Medical Insurance inwards Dubai.
As per Insurance System for Advancing Healthcare inwards Dubai: “It is non permissible for employers to deduct premiums from the employee or to trim back salary to mitigate the cost”.
What is mandatory for Employees (workers) to pay?
Employees or Domestics workers such every bit Nannies, Housemaids, Drivers, Cooks, Cleaners, Babysitter as well as all other General helpers volition solely pay for the Medical treatment/test toll which are non covered inwards Insurance Policy.
“As for handling costs, employees volition direct maintain to pay solely the deductible or coinsurance amounts specified nether the price of the policy likewise every bit whatsoever other handling costs incurred which are non covered past times the policy or which are inwards excess of whatsoever policy limits or sub limits".
What if domestic helpers are getting salary less than 2000 AED?
In example if your salary is less than 2000 AED your sponsor (company) or employer demand to purchase an essential Medical Insurance Plan that see benefits for such employees.
As per Healthcare System “for these Lower Salary Band (LSB) employees, the employer or other sponsor must purchase a conception that meets the Essential Benefits Plan minimum levels of cover.
“For this segment of the population, these plans tin survive purchased solely from insurance companies who direct maintain qualified every bit Participating Insurers.
“Participating insurers direct maintain exclusive access to this segment exactly inwards render they cannot deny coverage or impose special conditions.”
Please follow below Companies for your Medical Insurance Coverage:
1: Axa Insurance,
2: MetLife Alico,
3: National Health Insurance Company (Daman),
4: Sultanate of Oman Insurance Company,
5: Orient Insurance Company,
6: Ras Al Khaimah National Insurance Company
7: Takaful Emarat.
The beneficiary amongst basic insurance comprehend is given a maximum coverage of upwards to 150,000 AED as well as has to pay 20% per cent during each see to the hospital.
If you lot are sponsor or desire to instruct information regarding how to instruct insurance for Domestic workers, delight visit www.isahd.ae.
Thank You for Your Time, Please part amongst all Domestic workers specially Filipino workers, every bit at that spot are hundreds of Female housemaids, nannies as well as other full general helpers are looking for this information.
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