About Workers Health
Insurance (WHI)
Based on Cabinet Resolution regarding the Workers Health Insurance scheme for the workers registered with private sector establishments, as well as domestic workers in the Emirates where health insurance scheme for such workers are not yet available (Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah, and Fujairah), the Workers Health Insurance scheme has been launched under the supervision of the Ministry of Human Resources and Emiratization in collaboration with the Federal Authority for Identity, Citizenship, Customs, and Port Security, and the Ministry of Health and Prevention.
The objectives of Workers Health Insurance scheme are as follows:
• To support the well-being of workers by providing a comprehensive healthcare system.
• To enhance the competitiveness of the UAE labor market.
• To reduce financial burdens associated with medical treatment and unpaid sick leaves for uninsured workers.
WHI Insurance Plans
These plans are not applicable for members holding Dubai & Abu Dhabi visa.
Parent’s proof of insurance is mandatory for child-alone policy
| Insurance Benefits | WHI Basic Plan | WHI Enhanced Plan |
|---|---|---|
| Annual Policy Limit | For Inpatient: AED 50,000 For Outpatient: AED 10,000 |
Inpatient & Outpatient – AED 100,000 |
| Geographical Scope | Northern Emirates (Sharjah, Ajman, Fujairah, Ras Al Khaimah, Umm Al Quwain) | |
| Network | DUBAICARE-CARE NETWORK OP Restricted to Clinics |
DUBAICARE-N5 NE RESTRICTED NETWORK OP Restricted to Clinics |
| Pre-existing Conditions | Nil Waiting Period | |
| In-Patient Tests, diagnosis, treatments, and surgeries in hospitals for non-urgent medical cases. (Subject to prior approval from Insurer) | Covered with 20% coinsurance payable by the insured with a cap of 500 AED payable per encounter and an annual aggregate cap of 1000 AED. Above these caps, the insurer will cover 100% of treatment. | |
| Examination, diagnostic, and treatment services by authorized general practitioners, specialists, and consultants | 25% co-insurance payable by the insured per visit. Max Up to AED 100.No Coinsurance if a follow-up visit was made within seven days for the same illness. | |
| Laboratory test services carried out in the authorized facility assigned to treat the insured person | Covered with 25% coinsurance | |
| Physiotherapy treatment services (Prior approval of the insurance company is required) | Covered up to a maximum of 6 sessions per year with 25% coinsurance. | |
| Drugs and other medicines | Covered up to AED 1,500 with 30% coinsurance | |
| TELEHEALTH-Provided by |
NOVITAS Healthcare – TEL 800 200800 Covered with Nil copay for consultations and lab services, except for pharmacy. 
|
ISON Healthcare – TEL 800 4766 Covered with Nil copay for consultations and lab services, except for pharmacy. 
|
DUBAICARE-Care Network
WHI BASIC -Table Of Benefits
DUBAICARE-N5 NE Restricted Network
WHI ENHANCED -Table Of Benefits
| Beneficiary Category | Age Band | Premium (Per Person Per Year) | |
|---|---|---|---|
| WHI BASIC PLAN | WHI ENHANCED PLAN | ||
| Partners & Investors | 00 - 64 | 320 AED | 440 AED |
| Partners & Investors | 00 - 64 | 483 AED | 700 AED |
| Parents / Parents-In-Law (Medical Application Form is required) | 64+ | The Final Premium is subject to underwriting | |
The Premiums are subject to Value Added Tax (VAT) and Fees
Cancellation Clause
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The First year's premium is NON REFUNDABLE. -
Upon cancellation of the policy within the first 12 months, the second-year premium will only be eligible for refund. -
Upon cancellation of the policy during the second year, the premium is NON REFUNDABLE.
Subscription Channels
Other Channels
Subject to Additional Service charge upon Subscription
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