Learn more about adding employees to your health insurance policy
1. What documents are required to add an employee to insurance?
You will be guided through the required documents specific to your insurer while adding employees to the Bayzat platform. Click here for a tutorial on how to add employees.
The standard documents required for an employee addition are color copies of:
-
Passport front page (page listing name and expiry date)
-
Visa Page (or E-Visa with change status)
-
Emirates ID Front and Back (or Emirates ID application)
-
Passport-sized photo of employee
You can find the list of all required documents in your insurer's Endorsement Guide.
2. What documents are required to add a dependent?
You will be guided through the required documents specific to your insurer while adding dependents on the Bayzat platform. Click here for a tutorial on how to add dependents to your insurance.
-
Passport front page (page listing name and expiry date)
-
Visa Page (or E-Visa with change status)
-
Emirates ID Front and Back (or Emirates ID application)
-
Employee's insurance card copy
3. What documents are required to add a female employee with a visa sponsored by her husband/father?
You will be guided through the required documents specific to your insurer while adding employees to the Bayzat platform. Click here for a tutorial on how to add employees.
Here are the standard documents required:
-
Passport front page (page listing name and expiry date)
-
Visa Page (or E-Visa with change status)
-
Emirates ID Front and Back (or Emirates ID application)
-
Passport-sized photo of employee
-
A labor contract letter or labor card copy
4. What documents are required to add a newborn baby to my company's insurance policy?
For newborn babies, there are two scenarios:
(1) Baby is born within the UAE - the insurer will only require a birth certificate. Make sure to request the addition within 30 days from the birth date. (2) Baby is born outside the UAE - the insurer will require color copies of the following documents:
-
Passport front page (page listing name and expiry date)
-
Visa Page (or E-Visa with change status)
-
Emirates ID Front and Back (or Emirates ID application)
-
Employee's insurance card copy
5. Will the newborn be covered under his parent's health insurance? For how long?
The newborn is covered for up to 30 days from the date of birth under his/her mother's health insurance policy.
6. How do I submit a dependent's addition request online?
You can submit and track all dependent addition requests directly on Bayzat. Click here for a tutorial on how to add dependents to your insurance.
7. Can I backdate an employee's addition to insurance to be effective on an earlier date?
Additions cannot be backdated. The insurer will only add a member on the day they receive the complete set of documents.
8. My addition has been rejected. Why? What is the solution?
Insurers reject late additions where the request is submitted after 30 days from the visa issue date or employment date.
This rejection rule aims to avoid anti-selection (members being added to a company policy only because they need immediate treatment), and insurers, unfortunately, don't make exceptions since medical history is not considered on these policies.
If your insurer has rejected a late addition, we can help you by getting the employee an individual insurance policy.
9. I do not have a Visa/E-Visa, can I still apply for insurance?
Unfortunately no, a Visa or E-visa is a mandatory document required to add an employee to a policy.
10. Can parents of employees be added to the group health insurance policy as dependents?
Parents cannot be added to a group policy, but we can help you by providing individual policies for parents.
11. Can I add my dependents to a lower plan category?
Dependents have to be added to the same category as their principal employee. This rule applies to all insurers.
12. We have new joiners and want to add them to our insurance plan. How do I proceed?
You can add employees to your health insurance policy and track your requests online under the Endorsements tab on Bayzat. Click here for a tutorial on how to add employees to your insurance.
13. Can we add someone who is not sponsored by the company?
If the visa is under a different sponsor, the insurer will require either a labor contract or a labor card as proof of employment.
14. My addition request has crossed the turnaround time, can you update me on the status of this request?
You can check the status of your addition on Bayzat under the Endorsements tab.
If your addition is past the completion date mentioned, please provide us with the employee name we will look into it immediately.
15. Where can I submit the missing documents?
Missing documents should be uploaded on the platform under the attention-required field. If there is no option to upload the documents, please send an email to endorsements@bayzat.com and put the Endorsement reference number in the subject line.
You can reach Amer center on 800 5111
All HAAD fines should be paid to the insurer. We will be sharing with you the fine amount and the insurer's bank details to pay the fine.
18. I got a fine for the Abu Dhabi addition. Why? How is the fine calculated?
There are 2 scenarios, explained below.
(1) Employee is new to Abu Dhabi:
-
the member has only 13 days to apply for insurance from the day they enter the UAE, or from the date of status change stamped on their employment visa.
-
After the 13th day, a fine of AED 100 applies, increased to AED 200 on the 21st day and AED 300 on the 30th day. The fine then increases by another AED 100 each following week.
(2) Employee holds a valid Abu Dhabi visa:
-
the member has 29 days from the date the COC was issued to apply for insurance.
-
from day 30, a fine of AED 300 applies, increased by 300 AED every following 29 days.
19. Can partners be added to the policy midterm if they are new to the UAE/position?
Yes, partners can be added to the policy midterm if they are new to the UAE/position.
The premium is calculated as follows: Pro-rate premium = full-year premium X (number of insurance days remaining / 365)
-
For example, if full year premium is AED 2,000, the policy starts 01/01/2020, and the member is added on 01/04/2020 then the pro-rata premium will be 2,000 * 274 / 365 = 1,501 AED
21. What documents are required to create a subgroup or add a company to the policy?
The insurer requires the following documents:
-
Trade License, Establishment Card of the new company/group to be added
-
Ministry of Labor List of the new company/group (MOL List)
-
Relationship Letter on the company letterhead of the parent company
22. Are there any salary restrictions to add members to a policy?
Salary restrictions vary between insurers and policies. Please provide details on what plan the concerned members are on so that we can verify which restrictions apply.
23. Our company name has changed, How can we get cards and invoices with the new company name?
You will need to provide the new company Trade License and VAT certificate. There might be additional documents required by your insurer, make sure to check all requirements in your insurer guide.
24. What additional documents would be required if an employee is 65+ years and above?
Members of 65 years of age and above will be required to fill out a Medical Application Form. Additional documents may also be required, please check the full list of requirements on your insurer guide.
25. Why am I required to fill out a Medical application (MAF)?
A member is required to fill out a Medical Declaration Form (MAF) in 2 scenarios:
-
If their insurance policy requires all members to go through underwriting
-
If they are added to the company policy 30 days after the visa issuance date/employment date.
The application will allow the insurer to assess the employee's medical condition and price the policy accordingly.
26. Why is my addition taking so long?
You can track the status of your addition on Bayzat under the Endorsements tab.
If your addition is past the completion date mentioned, please provide us with the employee name we will look into it immediately.
27. I do not have all the documents required by the insurer, can I still proceed with an addition?
The Insurer will only process an addition upon receiving all mandatory documents, as the information needs to be shared with the Health Authority. You can find the list of all mandatory required documents in your insurer guide or online as you process your addition on Bayzat. Click here for a tutorial on how to add employees to your insurance.
28. I'm late in requesting an addition of an employee to our insurance. How can I still add the member to the policy?
If an employee's addition is requested after 30 days from the visa issue date or employment date, it will be considered as a late addition by the insurer. Every Insurer has additional requirements for late additions. You can find the details in your insurer endorsement guide.
Note that insurers might reject the addition, in which case we can assist you in getting the rejected member an individual insurance policy.