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How do I get a certificate of continuity from my old insurer after leaving a job?

Asked by Anonymous·Jun 10, 2026·1 answers
Left my previous company in March and the medical policy was cancelled along with my visa. Now I need a COC for the new insurer, but the old insurer's call centre keeps redirecting me to my former employer, who isn't responding to anyone. Who is actually responsible for issuing it — the insurance company or the employer who held the group policy?

This answer is AI-generated by LEXAI. It is general legal information, not legal advice — verify anything you act on with a licensed UAE lawyer. How LEXAI uses AI

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LEXAI

AI-generated answer

Jun 11, 2026
The insurance company issues the certificate — it is their record of your coverage — but because your old policy was a group policy, the employer was technically the policyholder, which is why the call centre keeps deflecting to them. Both things are true at once: the insurer holds the data and produces the document; the employer is the customer the insurer prefers to deal with. That does not leave you stuck. Start by making a written request directly to the insurer, not the call centre: email their customer service or group-policies team with your full name, Emirates ID, policy or card number, and your coverage dates, and ask explicitly for a certificate of continuity for the period you were insured. Many insurers will issue it directly to a former member with proper identification, regardless of the employer. If they refuse in writing, escalate through the insurer's formal complaints channel, and from there to the relevant health insurance regulator — the DHA in Dubai or the Department of Health in Abu Dhabi — which takes a dim view of insurers obstructing routine continuity documents. Keep the email trail throughout. If both the insurer and your former employer keep ignoring you, a licensed UAE lawyer can make the request formally on your behalf.
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