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Employees and their families face multiple challenges, and perhaps the most prominent of these challenges relate to financial disputes between commercial establishments and insurance companies, which negatively affect the issue of health insurance. This issue is not just a contractual issue, but rather affects the essence of individuals’ lives and their health security.
Recent statements by Dr. Nasser Al-Juhani, spokesman for the Health Insurance Council, stressed that the employer is obligated to conclude a health insurance policy that covers all employees and their family members. This obligation is not just a legal duty, but rather an essential part of employees’ job rights that guarantee them safety and health care.
Employee rights and employers’ responsibilities
The employer must provide health insurance for all its employees. Dr. Nasser Al-Juhani, spokesman for the Health Insurance Council, also stressed this commitment, noting that coverage must include workers and their family members. This means that the employer has a great responsibility towards the health and well-being of its employees.
It is important for employees to be aware of the points at which insurance coverage ends, such as exhaustion of the maximum benefit limit, the death of the beneficiary, the expiration of the policy term, or even the beneficiary leaving the Kingdom. This information helps in financial and health planning for the individual and his family.
In the event of disputes between the parties concerned with the insurance policy, it is recommended to go to the competent judicial authorities, but it is worth noting that the Health Insurance Council has established the Reconciliation and Settlement Center to facilitate the resolution of these disputes without the need to resort to the courts.
Financial disputes caused negative effects
Dr. Nasser Al-Juhani, spokesman for the Health Insurance Council, confirmed that the employer has a duty to conclude a health insurance policy for his employees and their family members. According to regulations, this must be done within 10 working days of workers arriving in the Kingdom.
There are several cases in which insurance coverage may end, such as exhaustion of the maximum benefit limit of the policy, the death of the beneficiary, the expiration of the policy term or its cancellation, or when the beneficiary permanently leaves the Kingdom or moves to a new employer. In the event of a dispute, the parties to the relationship can approach the competent judicial authorities. Note that the Health Insurance Council established the Reconciliation and Settlement Center to facilitate the resolution of these disputes.
It is worth noting that failure to pay part of the subscription directly affects the validity period of the insurance policy, as the Council’s procedures stipulate that the insurance policy does not remain in effect for a period exceeding the period covered by the paid part of the subscription. The insurance company must also inform the Council of any cases of non-payment
Insurance for workers and their families is necessary and obligatory
It highlights the role of establishments in providing medical insurance for their workers and members of their families. The cooperative health system imposes this obligation, stressing the importance of providing health protection for workers and their families to ensure commitment to providing health insurance. The table of violations and penalties includes specific penalties for violating establishments. These penalties include a fine of one thousand riyals for each. A violating facility, taking into account the multiplicity of violations due to the number of workers. This measure aims to enhance compliance with the laws and ensure the provision of fair insurance coverage for all workers.
It is clear that the Ministry of Human Resources and Social Development plays a vital role in monitoring the implementation of regulations and ensuring the provision of health insurance for workers and their families. This role is evident in imposing fines and penalties on violating establishments, and in providing guidance and support to establishments to understand and apply these regulations correctly.
Paying fines and objecting to penalties
The Ministry has set a period of 60 days to pay the imposed fines, starting from the date the establishment is notified of the administrative decision. This step emphasizes the importance of establishments adhering to the laws and facilitates the process of settling financial matters related to violations.
The Ministry also provided an opportunity for establishments to object to the imposed penalties. Within 60 days from the date of notification of the decision, the objection can be submitted to the competent authority in the Ministry, which reflects the Kingdom’s commitment to providing fair and transparent procedures for all concerned parties.
Updating systems and procedures is an important step to strengthen the legislative and regulatory environment in the Kingdom. Through these amendments, the Ministry seeks to improve the work experience and ensure the provision of rights for workers and their families in the field of health insurance.
