Mohre Health insurance Package – The Basic Health Insurance Scheme
Mohre Health insurance Package. In a landmark move to ensure universal health coverage for all private sector employees and domestic workers across the UAE, the Ministry of Human Resources and Emiratisation (MOHRE) has launched the MOHRE Health Insurance Package, effective from 1 January 2025. This initiative is part of the Cabinet’s broader vision to improve the healthcare infrastructure and make medical insurance more accessible and affordable.
This article provides an expert breakdown of everything you need to know about the MOHRE health insurance package, including its price, benefits, coverage, purchase process, and how it affects employees and employers. We’ve also included key details about UAE medical insurance prices, health insurance for UAE residence visa, and DHA health insurance.
What is the MOHRE Health Insurance Package?
The MOHRE Health Insurance Package is a basic health insurance plan rolled out by the UAE government targeting private sector employees and domestic workers in all Emirates, especially Sharjah, Ajman, Fujairah, Ras Al Khaimah, and Umm Al Quwain. The initiative has been introduced in collaboration with:
- Federal Authority for Identity, Citizenship, Customs, and Port Security
- Ministry of Health and Prevention
- Dubai Insurance Company (Insurance Pool)
The health plan is designed to be cost-effective, offering essential inpatient and outpatient coverage, chronic illness treatment, and telehealth services.
Why Was the MOHRE Health Insurance Introduced?
With an increasing number of foreign workers in the UAE, the government recognized the urgent need for a comprehensive yet affordable health plan. While Dubai and Abu Dhabi already mandate employer-sponsored insurance, the rest of the Emirates lacked a unified system—until now.
The MOHRE health insurance package fills this gap, ensuring that every residency visa application or renewal from 2025 onward is backed by an active medical insurance policy.
Who Is Covered?
The health plan targets:
- All private sector employees across the Emirates (excluding Dubai and Abu Dhabi where existing systems remain)
- Domestic workers such as maids, nannies, and drivers
Note: If an employee already has a valid work permit issued before 1 January 2025, they are not immediately required to get this insurance. However, they must obtain it upon renewal of their residence visa.
MOHRE Health Insurance Package Price
The MOHRE health insurance package cost is AED 320 per year, making it one of the most affordable health insurance plans available in the UAE.
| Feature | Details |
|---|---|
| Annual Premium | AED 320 |
| Validity | 2 years (with a refund for the second year upon visa cancellation) |
| Inpatient Care | 20% co-payment, capped at AED 500 per visit, AED 1,000 per year |
| Outpatient Care | 25% co-payment, max AED 100 per visit |
| Medication | 30% co-payment, capped at AED 1,500 annually |
MOHRE Health Insurance Package Benefits
The MOHRE health insurance package benefits go beyond just affordability. Here’s what policyholders can expect:
1. Full Coverage Without Waiting Periods
Most policies impose a waiting period of 6 months for chronic diseases and pre-existing conditions, but this package offers immediate coverage.
2. Two-Year Validity
While the policy is priced annually, it is valid for two years. If a visa is canceled during the second year, the second-year premium is refundable.
3. Wide Network Coverage
The insurance network includes:
- 7 Hospitals
- 47 Clinics and Medical Centers
- 44 Pharmacies
This ensures that policyholders have easy access to healthcare without needing to travel far.
4. Dependents Can Benefit Too
The same insurance plan and pricing can be extended to family members and dependents, making it a great option for those seeking MOHRE health insurance package for family.
5. Telehealth Services
Patients can consult doctors via video or phone at no extra cost, except for pharmacy-related services. This is especially beneficial in remote locations or for follow-up appointments.
MOHRE Health Insurance Coverage Details
| Service Type | Co-Payment | Limitations |
|---|---|---|
| Inpatient Care | 20% | Up to AED 500/visit and AED 1,000/year |
| Outpatient Care | 25% | Max AED 100 per visit |
| Medications | 30% | Max AED 1,500 per year |
| Follow-Up Visits | 0% | If within 7 days |
| Telehealth Consultations | 0% | Pharmacy charges not included |
Where to Buy the Health Insurance
Employers can purchase the Basic Health Insurance Package through:
- The official website: whi.ae
- Business Service and Guidance Centers across the UAE
Participating Government Entities
This initiative is jointly supported by the following institutions:
- Federal Authority for Identity, Citizenship, Customs, and Port Security
- Ministry of Health and Prevention
- Dubai Insurance Company (Administers the insurance pool)
Is This Mandatory for Employers?
Yes. From 1 January 2025, all employers in the private sector and domestic labor sponsors across the specified Emirates must provide this basic medical insurance to:
- Issue a new residency permit
- Renew existing permits
Note: If you’re an employer, failure to comply may delay or block visa processing.
Additional Information: Related Insurance Prices in UAE
Here’s a brief comparison of UAE medical insurance prices to give you perspective:
| Insurance Type | Annual Price (Approx.) |
|---|---|
| MOHRE Basic Package | AED 320 |
| DHA Essential Benefits Plan (Dubai)** | AED 550 – AED 650 |
| Private Premium Plans | AED 3,000 – AED 15,000 |
As shown, the MOHRE health insurance package offers unmatched value for employers and employees looking for affordable yet compliant coverage.
How It Relates to DHA Health Insurance
While the DHA health insurance system is specific to Dubai and includes its Essential Benefits Plan (EBP), the MOHRE plan extends similar coverage to workers in non-Dubai Emirates, standardizing care across the country.
Health Insurance for UAE Residence Visa Price
One of the most commonly asked questions is: How much does medical insurance cost when applying for or renewing a UAE residence visa?
With the MOHRE health insurance package, the answer is simple AED 320 per year. This is significantly lower than most other visa-linked insurance plans.
MOHRE Health Insurance Package for Family Members
Yes, dependents of covered employees are eligible for the same pricing and benefits. Families can now secure affordable health protection under one umbrella policy, reducing administrative burden and cost.
A Few Key Points to Remember
- The MOHRE Health Insurance Package is mandatory for all private sector and domestic employers in the Emirates outside Dubai and Abu Dhabi.
- Priced at AED 320 per year, it is one of the most affordable health plans available in the UAE.
- It covers chronic conditions and pre-existing illnesses from day one.
- The plan is valid for two years with a refund for early cancellation.
- Employers can purchase the policy online via whi.ae or business service centers.
- Family members and dependents can be added under the same terms.
FAQs About MOHRE health insurance package
Does the MOHRE health insurance package cover maternity and dental care?
Ans: No, the package does not include coverage for pregnancy, childbirth, or dental treatments.
Are pre-existing or chronic diseases covered immediately?
Ans: Yes. One of the standout benefits of this package is that it covers chronic and pre-existing conditions from the first day, unlike most private plans that impose a 6-month waiting period.
What happens if the employee’s visa is canceled in the second year of coverage?
Ans: The second-year premium is refundable if the employee’s residence visa is canceled.
Conclusion
The MOHRE Health Insurance Package is a game-changer for employers and employees in the UAE. With its affordable pricing, comprehensive coverage, and easy access to care, it raises the standard for basic health benefits across the Emirates. Whether you’re a business owner, sponsor, or a worker looking for UAE residence visa insurance, this package offers peace of mind at a low cost.
