According to law, all Emiratis and expats in the UAE, as well as their dependents, are required to have health insurance. Employers or sponsors who fail to renew or provide the minimum health insurance mandated by law can be subject to a monthly penalty ranging from AED 300 to AED 150,000 (for groups). It is important to adhere to the health insurance requirements and ensure timely renewal to avoid these penalties and comply with the law.