س: صباح الخير، نود الحصول على مشورة حول مسألة خاصة بالتأمين الخاص بنا. لقد تقدمنا بطلب للحصول على تأمين على العمال مع شركة تأمين. لقد مر شهران منذ أن تقدمنا بطلب لهذه الشركة ودفعنا لها، ولكن مع ذلك، لم يستطيعوا إمدادنا بالتأمين والفواتير الصحيحة والإيصالات التي نحتاجها. يرجى تقديم المشورة لنا، ما الذي يمكننا القيام به لاسترداد أموالنا وأين يمكننا الإبلاغ عن هذا النوع من القضايا؟ شكرًا لك.

Q: I took insurance policies with a reputable company. There is initial contribution period of 2 years, wherein you cannot withdraw or touch your own money. Both policies started around April 2014 and I paid diligently until October 2015. The monthly contribution is around AED 2100 per month. I stopped the other plan briefly then continued to pay until around April 2016. Because of more financial difficulties, I was not able to pay my monthly contribution starting April 2016. My financial adviser said that my money is still there until maturity. When I checked again, my policy is gone along with my contribution. The call centre agent said it went to the charges. I have another plan, which is also untouchable at the moment. The financial adviser did not tell me anything about it. I want to complain about the insurance company, as well as the broker where my financial adviser works. Is there any legal way to recover that money? I hope you can help me.

س: سيدي/سيدتي، فرض عليّ صاحب العمل رسوم التأمين الصحي للأسرة في أبو ظبي على الرغم من أن قانون التأمين الصحي في أبو ظبي يغطي ما يصل إلى طفلين. ما هي الطريقة القانونية لاسترداد المبلغ من الشركة؟

Q: Dear Sir/Madam, For senior positions like MD or GM, is it common for companies to bear the cost of family residence visa fees?

Q: Dear Sir/Madam, Should the employee or the employer be responsible for the cost of the occupational health card (green card)? Is the employee required to obtain an occupational health card if they are not yet legally employed (under a spouse's visa) and do not yet have a work permit?

Q: Dear Sir/Madam, My brother's company has not renewed his insurance since April 2023. He was not aware of this until he switched companies in December 2023. Now, the new company is processing the insurance details, and they have informed him that there is a fine to pay. They advised him to talk to the previous company about settling it. However, the HR from the previous company is avoiding my brother and not responding to his calls or messages. In this situation, will he have to end up paying the fine? Or can we file a police complaint against the employer? Can you please advise? Thank you!

Q: Dear Sir/Madam, I have an Abu Dhabi skilled worker golden visa and need to leave the UAE for 3 years. Do I need to maintain UAE DoH-approved health insurance during my 3-year stay outside the UAE? What would happen if I could not maintain UAE health insurance during this period?

Q: Hello, Do we need to provide health insurance for our Emirati employee, who earns AED 4,000/month, and should it cover only her, or do we need to include coverage for her children as well? She is married with six children, but we would like to ensure that the health insurance is for her only. Thank you for your clarification!

Q: Dear Sir/ Ma’am, I am writing to know what I should do if a Dubai mainland company is not renewing my medical health insurance. I sent an email to the company as well, but they are not responding. Please kindly advise! Thanks!

أدخلت هيئة التأمين نظامًا جديدًا لتنظيم جميع عمليات التأمين الإلكترونية والذكية التي تمارسها شركات التأمين وأصحاب المهن المرتبطة [مثل وكلاء التأمين والخبراء الاكتواريين ووسطاء التأمين والمسّاحين وخبراء تقدير الخسائر ومستشاري التأمين] وتسويق وثائق التأمين من خلال البنوك بالقدر الذي ينطبق على طبيعتها. الهدف من هذا المقال هو مناقشة التغييرات التي أدخلها النظام الجديد بإيجاز.

أقرت دولة الإمارات إصلاحات تشريعية كبيرة أسفرت عن إدخال 40 قانونًا وتعديلًا جديدًا على قانون الشركات والقانون الجنائي وقانون الأحوال الشخصية وغيرها. تهدف هذه التعديلات إلى تطوير الهيكل التشريعي في مختلف القطاعات، وكان أحدثها قانون العمل. نحاول في هذا المقال إلقاء الضوء على التعديلات التي أُدخلت على قانون العمل الجديد وتأثيرها على كلٍ من صاحب العمل والعامل.