By Safura Rahimi
Small firms in UAE capital must buy individual health cover for employees and families under new rules.
Small companies in Abu Dhabi must take out individual health insurance for each employee, rather than group health cover, under new rules set by Health Authority-Abu Dhabi (HA-AD).
The new policy applies to small organisations with less than 11 employees.
Employers must cover insurance for employees as well as their families - spouse and three children below the age of 18, HA-AD confirmed yesterday.
The authority added that health policies must be obtained from health insurance firms which are authorised by HA-AD to issue individual policies.
"Authorized insurance companies have the right to request medical reports for all customers applying for individual policies prior to their issuing, and the employer must submit these reports to the insurer," said Dr. Finn Goldner, head of Health System Financing at HA-AD.
"Employees earning less than AED3,000 per month with housing or AED4,000 without housing must be covered by Basic Product Policies, while employees earning AED4,000 must be covered by Enhanced Product Policies," he added.
HA-AD has begun inspections of employers, insurers and providers in order to monitor their compliance with the Health Insurance Law.
The HA-AD authorised insurance companies include The National Health Insurance Company - Daman, Arab Orient Insurance Company; Ras Al Khaima National Insurance Company; Alliance Insurance Company; Al Sagr National Insurance Company; Al Ain Al Ahlia, Al Buhaira, Abu Dhabi National Insurance Company; Emirates Insurance Company and; Oman Insurance Company.