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Everything you need to know about the UAE’s basic health insurance plan

This digital transformation is expected to reduce administrative delays and help create a seamless patient journey from diagnosis to treatment

Nida Sohail
Nida Sohail

13 June, 2025

Everything you need to know about the UAE’s basic health insurance plan
Image credit: Getty Images

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The UAE has officially implemented its Basic Health Insurance Plan for private sector employees and domestic workers across the Northern Emirates, marking a pivotal shift in the nation’s approach to healthcare access and affordability.

Read: UAE insurance: Up to 60% healthcare costs covered privately

Effective since January 1, 2025, the initiative is part of a broader nationwide strategy to ensure that all residents, regardless of income or employment type, have access to essential healthcare services. With an annual premium of just Dhs320, the plan is already reshaping how health services are accessed and delivered, especially for low-income workers previously excluded from mandatory coverage.

Affordable healthcare now a reality for thousands

At the heart of the plan is a commitment to affordability. Under the new scheme, beneficiaries pay:

  • 20 per cent co-payment for inpatient care, capped at Dhs500 per visit and Dhs1,000 annually
  • 25 per cent co-payment for outpatient visits, with a maximum of Dhs100 per visit
  • 30 per cent co-payment on medication, capped at Dhs1,500 annually

Follow-up consultations within seven days of the original appointment are exempt from co-payment, a move aimed at encouraging consistent medical follow-through.

The low-cost structure has been designed to lift a long-standing burden from domestic workers and laborers in the private sector, many of whom previously relied on out-of-pocket payments or informal arrangements.

New coverage brings a regulatory shift

The Basic Health Insurance Plan stems from a federal directive issued in 2024, requiring all private sector employers in Sharjah, Ajman, Fujairah, Ras Al Khaimah, and Umm Al Quwain to provide mandatory health insurance for their workers. The scheme, now fully in effect, complements existing laws in Dubai and Abu Dhabi.

Dubai’s health insurance is governed by Law No. 11 of 2013 under the Dubai Health Authority (DHA), while Abu Dhabi follows Law No. 23 of 2005, enforced by the Department of Health (DoH). Both cities already mandate employer-sponsored insurance, including comprehensive benefits.

With the Northern Emirates now on board, the UAE’s healthcare policy framework has moved significantly closer to universal coverage.

MOHRE and digital integration

The Ministry of Human Resources and Emiratisation (MOHRE) leads the implementation of the Basic Health Insurance Plan in collaboration with the Ministry of Health and Prevention and the Federal Authority for Identity, Citizenship, Customs and Port Security.

Insurance under the new scheme is administered via the Worker Health Insurance platform, managed by Dubai Insurance Company PSC, which also handles claims. The plan’s data infrastructure is integrated with Riayati, the national digital health platform, and the National Unified Medical Record (NUMR)—a step that is streamlining patient care and bolstering public health analytics.

“This is not just about coverage; it’s about systemic transformation,” said Anand Singh, Senior Counsel for Transport and Insurance at Al Tamimi & Company. “We’re witnessing a transition toward a data-driven, integrated health system that aligns with global best practices.”

Changing the game for pharmacies

The impact of the plan is already visible in the pharmaceutical sector. Over 44 pharmacies have joined the provider network, and more are expected to follow. These outlets report increased footfall from newly insured patients seeking both prescription medications and over-the-counter drugs.

Pharmacies are being urged to upgrade their IT systems to comply with the plan’s digital requirements, including electronic prescriptions and automated claims submission. The result? Faster approvals, fewer errors, and a more efficient dispensing process.

This digital transformation is expected to reduce administrative delays and help create a seamless patient journey from diagnosis to treatment.

Visa requirements reinforce compliance

To ensure full enforcement, the UAE has made valid health insurance a mandatory requirement for residency visa issuance and renewal. Expatriates without proof of insurance coverage are ineligible for visa services, effectively closing the gap in enforcement that previously allowed some employers to bypass their obligations.

Golden Visa holders must present proof of long-term health insurance, prompting insurers to develop specialised packages that cater to high-net-worth individuals and long-term residents.

Strengths of the Basic Health Insurance plan

The launch of this plan has addressed several long-standing gaps in the UAE’s healthcare ecosystem:

  • Greater access to healthcare: Thousands of low-wage workers now have access to essential services
  • Financial protection: Medical costs are reduced for workers and employers alike
  • Better public health outcomes: With increased access to early diagnosis and preventive care, the system is expected to reduce long-term treatment costs
  • Streamlined data: Integration with Riayati and NUMR improves coordination across providers and ensures continuity of care

Employers previously offering private coverage also benefit, as the Dhs320 plan offers a cost-effective alternative to more expensive insurance packages.

Increasing costs

The rollout of mandatory insurance arrives at a time when the UAE’s healthcare industry is facing cost pressures across the board. Health insurance claims reached Dhs16.5 billion in 2024, an all-time high. Analysts warn that unless cost containment measures are introduced, both insurers and patients may face long-term challenges.

For hospitals and clinics, the sudden influx of insured patients has led to increased demand for medical staff, diagnostic services, and infrastructure upgrades. Without sufficient capacity expansion, patients may encounter longer wait times, reduced face time with doctors, and service delays.

Insurance sector reactions

Insurance companies are also recalibrating. High claim volumes are pushing firms to tighten approval processes and reconsider premium pricing models. Some providers are exploring bundling coverage or introducing tiered plans to manage risk.

The broader concern is sustainability. If costs continue to rise without corresponding revenue growth or efficiency improvements, insurers may be forced to raise premiums on other policies or reduce coverage options.

“This is where coordination between the government, healthcare providers, and the insurance industry becomes critical,” said Singh. “You can’t build a strong healthcare system without economic sustainability.”

A blueprint for the region?

Experts believe that the UAE’s model could set a precedent for neighboring Gulf countries looking to reform their healthcare systems.

The combination of affordability, mandatory enforcement, and digital integration creates a blueprint that balances access with accountability. However, observers stress that continuous monitoring, stakeholder feedback, and policy refinement will be essential.

The road ahead

The successful implementation of the Basic Health Insurance Plan is just the beginning. Authorities are expected to monitor the plan’s rollout closely in the coming months, with potential expansions in coverage — including maternity benefits — already under discussion.

As Singh put it, “We’ve cleared the first major hurdle, but healthcare is a moving target. The next challenge is scaling up, closing the gaps, and making sure no one falls through the cracks.”

For now, the UAE’s health sector enters a new chapter — one that promises a more inclusive, equitable, and digitally enabled future.

Content boom: Why AI can’t fix creative without better systems

While AI can crank out content faster than ever, speed alone doesn’t translate into compelling stories or emotional connection

Hum(AI)n Assets
Hum(AI)n Assets

12 June, 2025

Content boom: Why AI can’t fix creative without better systems

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The rise of artificial intelligence (AI) is reshaping creativity at a breakneck pace. From instant social graphics to thousands of words of copy delivered in seconds, AI tools powered by advanced language models and image generators are transforming how marketers work — promising speed, volume, and unprecedented productivity.

Yet, the reality on the ground is more nuanced.

While AI can crank out content faster than ever, speed alone doesn’t translate into compelling stories or emotional connection. Digital spaces today remain saturated with bland, repetitive, and forgettable output. Why? Because creativity is more than volume; it’s about turning ideas into unforgettable experiences that resonate with audiences.

Human creativity — with all its nuance, judgment, and context — remains irreplaceable. AI isn’t “dumb,” but these uniquely human qualities can’t be easily taught to machines. The brands that succeed aren’t those who post the most content, but those who create work that truly moves markets. That requires coordination, alignment, and thoughtful execution — not just rapid production.

The workflow bottleneck slowing AI’s promise

At the center of this challenge is workflow.

“If creatives are the engine and AI is the new superfuel, then workflow is the transmission,” says Harry Aydin, CTO of AI-driven creative platform Hum(AI)n Assets. “Right now, creative teams are stuck in first gear.”

A recent McKinsey & Company report (2025) echoes this: “While generative AI is transforming content creation, many organizations struggle to scale its use because their operating models haven’t caught up. The technology’s potential is vast, but without rethinking workflows, its benefits remain out of reach.”

Teams are caught between two extremes. On one end is the “Ad-Hoc Grind” — work scattered across group chats, briefs sent as voice notes, and shifting deadlines that cause chaos and burnout. On the other is the “Corporate Maze” — layers of stakeholders, endless approvals, and slow timelines. Neither approach serves the needs of teams trying to harness AI’s speed and power at scale.

Rethinking creative processes for the AI era

So what’s missing? The answer lies not in more productivity apps or project management dashboards, but in reimagining creative workflows for the AI era.

It starts with simplicity. Briefs must be clear and concise — ditch the 40-slide brand bibles. Iteration cycles should measure in minutes or hours, not weeks. The workflow must flex seamlessly to handle quick-turn social reels, polished presentations, or nuanced ad copy — all briefed, created, iterated, and approved without chaos or bottlenecks.

The right workflow aligns teams fast, fosters open feedback, and keeps content flowing smoothly. Designers won’t guess tone. Clients won’t wait endlessly. Deadlines become firm targets. Content ships, not stagnates.

This new approach blends AI’s brute force with human discernment. It’s not man versus machine — it’s velocity paired with vision. AI accelerates. Humans elevate.

Building the future of creative workflows

Hum(AI)n Assets is building this future today. The Dubai-based startup offers a content production engine designed to match the realities of modern creative teams — delivering the horsepower of a creative studio without the overhead or delays.

“Everyone’s talking about AI tools, but nobody’s fixing the workflow,” Aydin explains. “You can generate assets in seconds, but getting them approved and aligned? That still takes weeks. It’s not a tool problem; it’s a system problem.”

The solution is smart augmentation, not blind automation. The brief is boiled down to essentials: audience, style, impact, and media type. AI handles formatting, first drafts, and rough image comps. Humans then refine tone, narrative, and aesthetics. The outcome? Faster, sharper, brand-aligned content that meets the demands of today’s business pace.

The platform’s founder, Bally Singh, experienced these workflow pains firsthand while running the Dubai-based Hoko Agency. “Our internal processes were often chaotic and time-consuming,” Singh recalls. “Too many handoffs, information gaps, and waiting rooms between idea and execution.”

Now, Hum(AI)n Assets is scaling fast. Recently, it absorbed Web3-native project Everdome through a strategic acquisition by Hoko Agency, further bolstering its creative engine.

Partnership with Motivate Media Group

The company is also partnering with Motivate Media Group to integrate its AI-powered workflow into Motivate’s publishing operations — a bold move in a sector still grappling with rapid change. This collaboration will debut with the first-ever AI-generated magazine cover, showcasing how improved workflows, human creativity, and AI speed can transform legacy media.

For Motivate, this isn’t just an experiment; it’s a statement. The partnership signals what leadership in the AI age looks like — embracing innovation to set the pace, not follow it.

As AI becomes integral to creative work, workflow is emerging as the keystone issue. Without a smart system, even the most powerful AI becomes noise.

What’s needed is structured speed — a creative operating system where briefs are clear, feedback is fluid, and human-AI collaboration is frictionless.

Hum(AI)n Assets is building that system: a smarter way to work that meets the urgency of today’s creative demands without sacrificing quality or clarity.

By combining agency polish, the momentum of real-time crypto marketing, and AI’s strategic power, the team isn’t just producing content — it’s reinventing the entire process behind it.

In the future, creative success won’t depend on who has the flashiest AI tool, but who can align vision and execution fastest.

And that future starts — and scales — with workflow.

Sky-high success: How many passengers did Etihad Airways carry in 2025?

The airline carried 1.7 million passengers in May, a 19 per cent increase compared to the same month last year

Gulf Business
Gulf Business

12 June, 2025

Sky-high success: How many passengers did Etihad Airways carry in 2025?
Image credit: WAM/Website

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Etihad Airways, the national airline of the UAE, has reported strong growth in its May 2025 traffic statistics, reflecting continued expansion and robust customer demand.

The airline carried 1.7 million passengers in May, a 19 per cent increase compared to the same month last year. This growth reflects Etihad’s strategic expansion and strengthening market position. The passenger load factor rose to 87 per cent, up from 84 per cent in May 2024, underlining the airline’s ability to optimise capacity while meeting growing demand, a WAM report said.

Fleet reaches 100 aircraft

Etihad’s operating fleet has now reached 100 aircraft, supporting its expanding global network and ongoing service enhancements. Between January and May 2025, the airline carried 8.4 million travellers, marking a 17 per cent increase compared to the same period in 2024. The average passenger load factor over this period remained steady at an impressive 87 per cent.

Read-Etihad, Ethiopian Airlines activate codeshare in first phase of joint venture

Antonoaldo Neves, Chief Executive Officer of Etihad Airways, said the carrier continues to build momentum.

“We saw a pleasing continued growth in our momentum, with May’s passenger numbers growing by 19 per cent year-on-year, underlining our position as the fastest-growing Middle East airline,” Neves said. “Our year-to-date results show more than 8 million customers have flown with us in 2025, and our rolling 12-month figure now stands at almost 20 million — a testament to the trust placed in Etihad’s service.

“We reached an exciting milestone in May as our fleet number hit the 100 mark. As we continue expanding our route network and growing our fleet in the coming months, our focus remains on delivering a seamless and exceptional customer experience.”

Boeing shares fall nearly 8% after Air India plane crashes

Boeing’s 787 is a newer series of jets with a solid safety record and no fatal crashes

Reuters
Reuters

12 June, 2025

Boeing shares fall nearly 8% after Air India plane crashes
Image: Getty Images

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Shares of planemaker Boeing fell nearly 8 per cent in premarket US trading on Thursday after an Air India aircraft with 242 people crashed minutes after taking off from India’s western city of Ahmedabad.

India’s federal health minister said “many people” were killed in the crash. The plane was headed to Gatwick Airport in the UK, with police officers saying it crashed in a civilian area near the Ahmedabad airport.

Aviation tracking site Flightradar24 said the plane was a Boeing 787-8 Dreamliner, one of the most modern passenger aircraft in service. It was not immediately clear what caused the crash. Boeing said in a statement it was aware of initial reports and was working to gather more information.

Boeing’s 787 is a newer series of jets with a solid safety record and no fatal crashes. While battery issues once grounded the fleet, no injuries were reported.

The news comes as the planemaker tries to rebuild trust related to safety in its jets and ramp up production under new Chief Executive Officer Kelly Orthberg.

Boeing’s shares were down about 7.5 per cent at $197.82 in premarket trading. “It’s a knee jerk reaction (to the incident) and there’s revised fears of the problems that plagued Boeing aircraft and Boeing itself in recent years,” said Chris Beauchamp, analyst at IG Group.

Qatar launches world’s largest 3D-printed construction project

Printing is scheduled to take place at night to improve concrete performance and mitigate heat-related challenges

Nida Sohail
Nida Sohail

12 June, 2025

Qatar launches world’s largest 3D-printed construction project
Image credit: UCC Holding/Website

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In a global first for large-scale digital construction, UCC Holding, in collaboration with Qatar’s Public Works Authority (Ashghal), has officially begun the printing phase of the world’s largest 3D-printed building project.

The initiative marks a significant leap in sustainable infrastructure development and positions Qatar as a regional pioneer in advanced construction technology, a media report on UCC Holding website said.

Read-Insights: Is Qatar retail at a crossroads?

The project involves the construction of 14 new public schools, including two to be built entirely using 3D printing technology. Each of the 3D-printed schools will span 20,000 square meters—making a combined 40,000 square meters—40 times larger than any previously completed 3D-printed building worldwide.

Designed as two-storey buildings on plots measuring 100 by 100 meters, the schools represent a landmark in educational architecture and scalable, future-ready infrastructure in the region.

World’s largest construction printers deployed

To execute this unprecedented build, UCC Holding partnered with COBOD, a Danish company recognised as a global leader in 3D construction printing. COBOD has supplied two custom BODXL printers, each measuring 50 meters long, 30 meters wide, and 15 meters high—comparable in size to a Boeing 737 hangar. These are currently the largest construction printers in the world.

Following months of site development, equipment assembly, and simulation testing, the printers are now fully operational.

Local expertise, global standards

UCC Holding has formed a dedicated team of architects, civil engineers, material scientists, and printer technicians to lead the operation.

Over the past eight months, the team conducted more than 100 full-scale test prints using a BOD2 printer at a trial site in Doha. These trials helped develop optimized concrete mixes suited to Qatar’s climate and refine a custom nozzle for high-precision printing.

In May 2025, the team completed intensive training with COBOD engineers, covering everything from printer operation and structural layering to live quality control—strengthening Qatar’s local capacity for high-tech construction methods.

Environmental and economic benefits

3D printing offers significant environmental, social, and economic advantages over traditional construction. The process reduces raw material waste, minimizes concrete use, and cuts carbon emissions. On-site printing also reduces transportation needs and supply chain dependency, while dramatically speeding up project timelines.

Printing is scheduled to take place at night to improve concrete performance and mitigate heat-related challenges—while also reducing dust, noise, and community disruption.

Design inspired by nature

Architecturally, the schools feature flowing, curved walls inspired by Qatar’s desert landscapes and sand dunes. These complex, organic shapes are made possible by the design freedom 3D printing allows—achievements that would be prohibitively difficult or expensive with conventional methods.

The two 3D-printed schools are expected to be completed by the end of 2025. The project not only signals Qatar’s growing leadership in innovation and sustainability but also sets a new benchmark for educational infrastructure development globally.

Defining MENA’s economy: 30 iconic and influential companies

In this special feature, Gulf Business spotlights enterprises with a strong regional presence, market leadership by size, and standout brand recognition

Gulf Business
Gulf Business

12 June, 2025

Defining MENA’s economy: 30 iconic and influential companies

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The Middle East and North Africa (MENA) has emerged as a global business powerhouse. In this special feature, Gulf Business spotlights enterprises with a strong regional presence, market leadership by size, and standout brand recognition. From legacy players to bold disruptors, these companies are shaping the region’s future and setting new global benchmarks.

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ADNOC

ADNOC

Powering The MENA Region's Energy Future
AD Ports Group

AD Ports Group

Charting a Bold Course in Global Logistics
Agility

Agility

Building a GCC Logistics Powerhouse
Al Khayyat Investments (AKI)

Al Khayyat Investments (AKI)

A Dubai-Born Diversified Powerhouse
Aramex

Aramex

Market Leader In Integrated Logistics And Transportation
Bloom Holding

Bloom Holding

Setting Benchmarks In Lifestyle Development
Century Private Wealth

Century Private Wealth

Leading Wealth Innovation
Concentrix

Concentrix

Powering Transformation Across The Middle East and Beyond
DAMAC Group

DAMAC Group

A Diversified Global Conglomerate
DEWA

DEWA

A Continuous Success Story
DP World

DP World

Leveraging Innovation and Sustainability
EFG Holding

EFG Holding

Driving Financial Innovation In MENA and Beyond
Emaar Properties

Emaar Properties

Leading Dubai's Real Estate Sector
e&

e&

From Telecom Pioneer To Global Tech Powerhouse
Emirates

Emirates

Flying High To Power Dubai's Growth
International Holding Company (IHC)

International Holding Company (IHC)

Representing A New Generation Of Investors
Jetex

Jetex

Redefining Luxury In Private Aviation
Majid Al Futtaim

Majid Al Futtaim

Building A Retail Legacy
Mubadala Investment Company

Mubadala Investment Company

Focused On The Creation Of National Champions
Omnicom Media Group (OMG)

Omnicom Media Group (OMG)

A Regional Powerhouse In MARCOMM
Public Investment Fund (PIF)

Public Investment Fund (PIF)

Leading The World’s Sovereign Wealth Fund
Qatar National Bank (QNB)

Qatar National Bank (QNB)

The Financial Pillar Of The MEA Region
ROSHN

ROSHN

Saudi Arabia’s GIGA-Developer Reshaping The Future Of Urban Living
Saudi Aramco

Saudi Aramco

An Energy Titan Anchoring MENA’S Economy
Siom Marble

Siom Marble

Crafting Excellence In The UAE And Beyond
Smart Zone

Smart Zone

Made In UAE, Trusted Globally: Smart Zone Turns 15
stc Group

stc Group

Powering MENA’S Digital Transformation
Tahaluf

Tahaluf

Powering The Kingdom's Global Stage
Versuni

Versuni

Turning Houses Into Homes
Zain Group

Zain Group

Pioneering Telecom Growth And Digital Transformation

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