Gulf Medical Insurance Non-Enrolment Demand Letter (UAE, Saudi, Kuwait, Oman, Bahrain, Qatar)
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What you'll get
Below is a real example. Your version will be personalized with your name, your state's exact statute, and the right deadline.
April 22, 2026
RE: Formal Demand — Health Insurance Enrolment and Reimbursement of Out-of-Pocket Medical Costs
To the management of Eastern Mega Construction Co:
I, Lerato T., a national of South Africa, employed by your establishment as a quality-control engineer since 5 June 2024, write to place you on formal notice that you are in breach of the mandatory health-insurance regime of the Kingdom of Saudi Arabia. You have never enrolled me in any health-insurance plan despite the entire period of my employment.
Under Article 14 of the Cooperative Health Insurance Law (Royal Decree M/10 of 1420H), you as my employer are obligated to bear the cost of cooperative health insurance for me and my eligible dependents. Your failure to do so is enforceable by the Council for Health Insurance (CHI), which in July 2025 fined 110 employers SAR 2.5 million for the same violation.
Because of your default I have paid approximately SAR 4,200 in medical costs out of pocket — sums I would not have paid had you complied. I demand reimbursement in full against the attached receipts. I also demand enrolment in a compliant plan within 7 days. If you do not respond, I will file a parallel complaint with CHI at chi.gov.sa.
The full letter — including the statute citations for your state — is shown above. Only the recipient block, signature, and mailing instructions are masked. They appear in the PDF you download after payment ($5).
Your Situation
Tell us where you work and how the employer's health-insurance default is harming you.
This letter will cite
GCC mandatory employer health insurance — UAE FDL 33/2021 + Dubai Law 11/2013 + Abu Dhabi Law 23/2005, Saudi CCHI Art 14, Qatar Law 22/2021, Oman Dhamani (RD 34/2018), Bahrain SEHATI, Kuwait Decree 1/1999
Every GCC state requires the employer to pay for the worker's health insurance. Penalties run from AED 500 to AED 500,000 (UAE), SAR-level (KSA CHI), QAR 30,000 per worker (Qatar) — and worker visa renewal is gated on coverage.
Approximate, with receipts where possible. The letter demands reimbursement.