Who covers hospital bills if a laborer whose insurance is being processed is hospitalized?

Dear Client,

Thanks for your question! I hope you are doing well. I will assist you in this matter.

In the case of a laborer who just entered Dubai and whose insurance was still being processed when hospitalized for a non-work-related brain hemorrhage, the employer may be liable for the hospital bills.

According to Dubai's Health Insurance Law, employers are responsible for providing health insurance to their employees.

If the employee is not covered by a valid insurance policy at the time of the medical emergency, the employer must bear the medical expenses incurred.

This obligation includes covering all healthcare services provided to workers under their sponsorship, regardless of whether the injury is work-related or not.

Thanks & Regards,

ABDUL WAHIED

Hello,

The employer must ensure that the insurance is in place for all employees as required by law. If the insurance was delayed due to the employer’s fault or failure to ensure timely coverage, the employer might be held accountable for the hospital bill.

The employer is responsible for providing health insurance, but since the employee’s surgery occurred before the insurance was in effect, the employer is unlikely to be directly liable unless there was negligence in ensuring timely insurance coverage.

If insurance is not active at the time of hospitalization, the patient or family may be responsible for payment, unless the insurance company approves retroactive coverage.

Dear Questioner,

Thanks for your inquiry!

In this case, the employer may be initially liable for the hospital bills until the insurance coverage is activated, especially if the employee’s health insurance was in process at the time of hospitalization.

However, this will depend on the specific employer’s policy and any agreements made in the employment contract.

Once the insurance becomes active, it is likely that the insurance provider will cover the medical expenses.

If you require further legal assistance in pursuing reimbursement or clarification on liability, please feel free to reach out.

Regards,

Mohammed Salah

Legal Consultant

According to UAE law, the employer is responsible for providing health insurance for their employees.

If the employee's insurance was still under process at the time of hospitalization, the employer is still liable to pay for the hospital bill.

The employer should also cover any medical expenses related to the employee's illness or injury, regardless of whether it is work-related or not.

It is important for the employer to ensure that their employees have valid health insurance coverage at all times.

If the employer fails to provide health insurance or cover the medical expenses, they may face legal consequences.