Emirates Covered
SHJ · AJM · UAQ · RAK · FUJ
Fine Per Employee
for each uninsured worker
Rollout Timeline
Phase 3 now active
Approved Insurers
we compare them all
Who It Applies To
Private Sector Employers
Domestic Workers
Investor / Owner Visa Holders
Dependents (Sponsored)
All companies registered in Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah, or Fujairah must provide health insurance for every employee. Applies regardless of company size — from one employee upward.
Sponsors of domestic workers (housemaids, drivers, nannies) are required to provide health insurance. The premium can be as low as AED 225/year for basic mandatory coverage.
Business owners and investors on investor visas who are sponsored under their own company must also carry compliant health cover — even if they are not on a payroll.
While dependent family members are not currently mandatory under the NE law, employers and sponsors are strongly encouraged to include them. Many insurers offer family group rates.
Implementation Phases
Phase 1 — 2024
Companies with 100 or more employees in the Northern Emirates were required to enroll all staff in an approved health insurance plan.
Phase 2 — 2025
The mandate extended to companies employing between 11 and 99 people. Full compliance required before year-end.
Phase 3 — 2026
All remaining private sector employers — including micro-businesses and domestic worker sponsors — must be compliant. No exemptions.
Common Questions
We handle everything — quotes, paperwork, insurer liaison, and claims. Fast turnaround, CBUAE-compliant.
