Golden Visa holders in Dubai often wonder if renewing their health insurance every year is mandatory for themselves and their dependents. The short answer is yes. Dubai's health insurance laws make it compulsory for all residents, including Golden Visa holders, to maintain valid health insurance coverage at all times.
Health Insurance Obligations in Dubai
Under Article 11 of Law No. (11) of 2013 Concerning Health Insurance in Dubai, sponsors are required to provide and renew health insurance for all individuals under their sponsorship annually. This includes covering the costs of insurance and ensuring uninterrupted coverage.
Key Responsibilities of Sponsors
The law outlines several obligations for sponsors:
- Enrollment: Sponsors must ensure individuals not covered by an employer’s insurance are enrolled in a health plan.
- Cost: Sponsors must bear the full cost of insurance and cannot pass it on to beneficiaries.
- Continuous Coverage: Health insurance must remain valid for the entire residency or visit period.
- Emergency Care: Sponsors are liable for emergency medical costs if an insured individual lacks valid coverage.
- Health Insurance Card: Sponsors must provide insured individuals with a health insurance card.
- Permit Renewal: Health insurance is required for residence or visit permit issuance and renewal.
Implications for Golden Visa Holders
Golden Visa holders enjoy several privileges, but they are not exempt from the health insurance law. They must ensure their own insurance and that of their dependents remains valid throughout their stay in Dubai. Failure to comply may result in fines or delays in renewing residence permits.
Why Compliance Is Important
Health insurance is not just a legal obligation in Dubai; it also ensures access to quality healthcare services. Renewing your insurance on time protects you from potential penalties and ensures peace of mind during emergencies.
For further clarification, readers can consult legal experts or refer to the Dubai Health Authority (DHA) for additional guidance.
