Insurance rules in Dubai Healthcare City

Who runs Dubai Healthcare City?

What insurance and guarantees do companies in Dubai Healthcare City need?

Medical malpractice

• Every healthcare professional licensed to practise in a Dubai Healthcare City Authority licensed facility must have medical malpractice insurance, and if you run the licensed healthcare facility you are responsible for obtaining and maintaining it for all licensed professionals practising on your premises. Cover must be at least AED 1,000,000 per claim and AED 3,000,000 annual aggregate for medical and dental professionals, and at least AED 500,000 per claim and AED 1,000,000 annual aggregate for complementary and alternative medicine, nursing and allied health professionals, trainees and faculty.¹

Professional indemnity

• If you are a licensed healthcare operator in Dubai Healthcare City, you may not conduct any clinical activity unless it is covered by the required approved professional indemnity insurance, public liability insurance and any other insurance that applies, from insurers approved by the Centre for Healthcare Planning and Quality, in amounts set by the Central Governance Board or other applicable rules. Without approved professional indemnity insurance, your clinical operating permit can be refused, suspended or revoked.²

Property all risks

• Under the Dubai Healthcare City lease terms, as a tenant you must hold all risks insurance covering the premises and all your assets in them at replacement value, from the date you lose use of the premises until you re-establish your occupancy.³

Third party liability

• Under the Dubai Healthcare City lease terms, as a tenant you must hold third party liability insurance for at least a reasonable amount per occurrence to the landlord's satisfaction.³

Other

• Under the Dubai Healthcare City lease terms, if you distribute products from your premises, you must hold product liability insurance covering third party loss or damage of a personal, life or financial nature arising from the premises, any business carried on there or any accident in or on the premises, with a minimum indemnity per accident of a reasonable amount to the landlord's satisfaction.³

Contractors' all risks

• Under the Dubai Healthcare City lease terms, if you or your agents or contractors carry out any work on the premises, you must hold contractor's all risks insurance and workmen's compensation insurance for a reasonable amount per occurrence to the satisfaction of the landlord and Dubai Healthcare City, in line with the authority's and the landlord's requirements.³

Lease deposit

• Under the Dubai Healthcare City lease terms, as a tenant you must pay the landlord a security deposit at the times and in the manner set in your lease agreement, and the landlord holds it for the purposes the lease terms set out.³

Bank guarantee

• The Dubai Healthcare City 2019 price list sets a bank guarantee deposit of AED 2,500 per employee for new or transferred employment residence visas.⁴

Do you need health insurance for your staff in Dubai Healthcare City?

Dubai Law No. 11 of 2013 requires employers to enrol employees in health insurance, bear the cost and keep it valid for the whole service period. It applies across the emirate, including special development zones and free zones such as DIFC.

The authority and the penalties are on the Dubai page.