Does my employer's insurance cover my family?

Ask HR for written confirmation of which dependants are included, whether enrolment is automatic or requires an application, when their cover starts and whether you must contribute to the premium. Your own insurance card does not confirm that your family is insured.

Check each family member’s benefits and provider network. Confirm access to suitable clinics and hospitals, co-payments, prescription cover and any relevant maternity, ongoing-condition or waiting-period terms. Obtain their membership details and confirmation that cover is active before relying on it.

If family cover is unavailable, arrange a separate Dubai-compliant policy through an authorised insurer and coordinate the start date to avoid a gap.