My sister works in a low salary job and is not provided with medical insurance. I wondered, if I wanted to help her by giving her my health insurance card to use, would I be in any trouble?
It is worth noting that if your sister works in either Abu Dhabi or Dubai emirates, she is entitled to health cover from her employer as both emirates have mandatory health insurance enshrined in law. So, if this is the case she should make her employer aware of their obligations and, if that proves fruitless, she can report her employer to the health authority for failing to abide by their legal obligations. On the matter of offering your card, I would urge you to think twice before doing so as there are potentially severe penalties if you were to be caught. For example, Article 23 of the Dubai Health Insurance Law No 11 of 2013 states that misuse of health insurance cards can result in a fine ranging from Dh500 up to as much as Dh150,000. In Abu Dhabi, Article 24 from Abu Dhabi Health Insurance Law No 23 of 2005 states that fines range from Dh5,000 to Dh200,000. Regardless of which emirate she lives in, misuse of a health insurance card constitutes a felony in accordance with Article 216 of the Federal Penal Law and Article 217 states that such an action is punishable with imprisonment for no more than three years, as it is considered a forgery. This could potentially apply to both you and your sister so it is certainly not advised.
If you have a question for our lawyer, please email it to newsdesk@thenational.ae with the subject line “Know the law”.
Since publication, legal advice can become outdated due to changes in legislation.
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COMPANY PROFILE
Name: Kumulus Water
Started: 2021
Founders: Iheb Triki and Mohamed Ali Abid
Based: Tunisia
Sector: Water technology
Number of staff: 22
Investment raised: $4 million
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The specs: 2018 Nissan Altima
Price, base / as tested: Dh78,000 / Dh97,650
Engine: 2.5-litre in-line four-cylinder
Power: 182hp @ 6,000rpm
Torque: 244Nm @ 4,000rpm
Transmission: Continuously variable tranmission
Fuel consumption, combined: 7.6L / 100km
What are the influencer academy modules?
- Mastery of audio-visual content creation.
- Cinematography, shots and movement.
- All aspects of post-production.
- Emerging technologies and VFX with AI and CGI.
- Understanding of marketing objectives and audience engagement.
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TEACHERS' PAY - WHAT YOU NEED TO KNOW
Pay varies significantly depending on the school, its rating and the curriculum. Here's a rough guide as of January 2021:
- top end schools tend to pay Dh16,000-17,000 a month - plus a monthly housing allowance of up to Dh6,000. These tend to be British curriculum schools rated 'outstanding' or 'very good', followed by American schools
- average salary across curriculums and skill levels is about Dh10,000, recruiters say
- it is becoming more common for schools to provide accommodation, sometimes in an apartment block with other teachers, rather than hand teachers a cash housing allowance
- some strong performing schools have cut back on salaries since the pandemic began, sometimes offering Dh16,000 including the housing allowance, which reflects the slump in rental costs, and sheer demand for jobs
- maths and science teachers are most in demand and some schools will pay up to Dh3,000 more than other teachers in recognition of their technical skills
- at the other end of the market, teachers in some Indian schools, where fees are lower and competition among applicants is intense, can be paid as low as Dh3,000 per month
- in Indian schools, it has also become common for teachers to share residential accommodation, living in a block with colleagues