‘Is there a waiting period for newborns to be covered by health insurance in Dubai?’

God has blessed us with New baby A few weeks ago and now I want to add it to medical insurance policy provided by the employer. My contract states that the company will provide cover for the husband and three children as part of my salary.

I want my son medical cover We start from the day he was born as we have some expenses we paid for ourselves in addition to the standard obstetric package and hospital coverage.

We were expecting compensation, but now HR says they have a 30-day waiting period and that they will only date the cover for seven days.

Can I file a complaint with the authorities as I thought it was legal to provide insurance, or have them cover him since his birth as the additional expenses amounted to approximately 12,000 dirhams? ML, Dubai

All companies providing medical insurance in Dubai must operate in accordance with the guidelines set by the Health Authority in accordance with the Emirate’s Health Insurance Law (No. 11 of 2013).

In 2017, employers can impose a waiting period and this cover cannot be retroactive. The only exception to this were newborns, but their cap can only be retrograde for seven days.

However, this has since been updated following the release of Action Directive 2 of 2019 (PD 02/2019), which states: “As of the date of publication of this Policy Directive, no insurance company may impose waiting periods of any Type on newborns, whether they are waiting for periods versus pre-existing conditions or any other conditions.

“We would also like to reiterate that newborns must be covered under the 30-day mother policy and/or up to the mother’s annual limit.

It is important that you request that a new child be added to your medical insurance policy as soon as possible to avoid any potential problems as there is only a limited retrospective date available.

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“In addition, retrospective dating is a maximum of seven days allowed only for neonatal additions to achieve coverage of the newborn from the date of birth, which is the only exception to the previous date,” she added.

The son of ML must be covered by his mother’s plan for the first 30 days. Unless the extra expenses are outside the scope of the insurance policy, a claim can be made under his mother’s insurance.

It is important that you request that a new baby be added to your medical insurance policy as soon as possible to avoid any potential problems as there is only a limited retrospective date available. This is the same for both group and individual plans.

Someone rented my house in Lebanon for a long time and then could not pay the rent for various reasons. Lawyers participated and were forced to pay 80 percent of the money. He still owes me the rest of the money, but shows no sign of paying it off or even paying attention to the debt.

He is Lebanese and now living in Dubai, he left Lebanon without notifying me. I have legal documents in his name and signature, with official seals from the Lebanese government stating that it is a debt instrument.

My question is: Can I recover my debts in Lebanon under UAE law because he lives in Dubai? If yes, what is the best way forward? AM, Lebanon

This is a complex legal query, and AM should seek advice from a lawyer, but I put the question to Moataz Al Sharqi, a legal assistant at Horizon Law in Dubai, who says: “To recover debts, one must carry a writ of execution – a judgment or order sealed by Enforcement administration The question refers to a document signed by the debtor himself so it is not an enforceable instrument. To enforce this debt acknowledgment the creditor can either apply for a payment order or file a substantive action against the debtor. At the outset, it is necessary to note that this debt acknowledgment It must be notarized at the embassies of Lebanon and the United Arab Emirates.

“Payment orders are a method used to abbreviate civil procedures and are a valuable tool in litigation in the UAE and can be used if there is a debt owed, it is in writing and for a specified amount. While the debtor needs to be notified of the creditor’s intention to apply for a payment order, it does not get On opportunity to defend the claim.Normally, payment orders are issued within days and if the debtor does not appeal within 30 days, the order becomes final, binding and enforceable.

While the debtor needs to be notified of the creditor’s intention to apply for a payment order, he does not get a chance to defend the claim

Moataz Al Sharaqi, Legal Assistant at Horizon & Co

“If the debt declaration does not meet the criteria for a payment order, the creditor must file a substantive action in the UAE courts.”

Keren Boubacar is an independent financial advisor and senior partner at Holborn Assets in Dubai, with over 25 years of experience. Call her at keren@holbornassets.com. Follow her on Twitter @FinancialUAE

The advice given in our columns does not constitute legal advice and is provided for information only

Updated: December 4, 2021, 5:00 a.m.

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