Q: Good morning, We would like to seek advice about the issue with our insurance. We have applied to the insurance for the staff with an insurance company. It has been 2 months since we applied and paid to this company, but still, they can't give us the insurance, correct invoice and receipt that we need. Kindly advise us, what can we do to get our money back and where can we report this kind of issue? Thank you.

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.

Q: Dear sir/madam, My employer charged me for my family insurance in Abu Dhabi despite Abu Dhabi health insurance law covering up to 2 kids. What would be the legal way to reimburse the amount from the company?

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!

The Insurance Authority has introduced a new regulation to regulate all electronic and smart insurance operations practiced by licensed insurance companies, insurance-related professions [such as insurance agents, actuaries, insurance brokers, surveyors & loss adjusters, and insurance consultants] and marketing insurance policies through banks to the extent applicable to their nature. The objective of this article is to briefly discuss the changes that are introduced by the new regulation.

The UAE has adopted a major reform in its legislative system that brought about 40 new laws and amendments to the company law, criminal law, personal status, among others. The amendments aim to develop the legislative structure in various sectors, the labor law being one of these, was the most recent. We try in this article to shed light on the changes introduced with the new labor law and their significance on both, the employer and employee.