The Insurance Authority (IA) has released a proposed amendment to the Executive Regulations of the Cooperative Health Insurance system on the public consultation platform Istithlaa.
The draft amendment focuses on deleting the requirement for employers to submit a medical disclosure form when they buy health insurance.
The proposed draft focuses on an article (Article No.84) that currently stipulates that the employer shall provide the insurance company with the basic data required to conclude a health insurance policy, in accordance with the medical disclosure form attached to the regulations, which is the form legally recognised for concluding the health insurance policy.
The new proposal maintains the requirement to provide insurance companies with basic data for the conclusion of policies, and allows them to request additional information as needed, or waive all or some of it. This ensures the continuation of the principle of voluntary disclosure without being bound by a standardised form.
According to the Authority, the proposed amendment is part of its ongoing efforts to update regulations and rules to keep pace with developments in the health insurance market, while simultaneously ensuring the protection of the rights of insured persons and beneficiaries
The proposed amendment is also a part of a broader effort to enhance the efficiency of the health insurance market by reducing the administrative burden on insurers. The Authority emphasises that removing the medical disclosure requirement will contribute to improving efficiency, especially in light of the shift toward digital services in the insurance industry.
The public consultation ends on 18 August 2025.