Visa amnesty: UAE authorities issue exit guidelines as deadline looms


Sarwat Nasir
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People living in the UAE with visas that expired before March 1 have until December 30 to benefit from the amnesty and leave the country without any penalties, authorities have said.

The Federal Authority for Identity and Citizenship issued guidelines on social media on how people can apply for it.

Those who stay in the UAE on expired visas face fines of up to Dh315 per week, and an additional Dh250 is paid when they leave the country.

The amnesty was announced in May with an initial deadline of August, but it was extended until end of this year to help those affected by the Covid-19 pandemic.

Air travel bans across the world in March caused many travellers to stay put even as their visas expired. Some people, who had lost their jobs, applied for temporary visit visas to seek new employment.

On Thursday, a step by step guideline on how to benefit from the amnesty was issued.

Expired residence visa

Those on expired residence visas will have to arrive to the airport four hours before the departure time with their passport and flight ticket, which must be dated before December 31.

At the airport, the traveller will be exempted from all fines, all imposed administrative restrictions will be cancelled and their residence visa will be cancelled.

Those who have dependents sponsored under their visa must be accompanied by them.

Expired residence visa holders in the business partner or investor category will have to either liquidate or give up their legal capacity in the company while using the amnesty.

Expired visit visa

Those exiting through Abu Dhabi, Sharjah or Ras Al Khaimah airports will have to arrive six hours prior to their departure.

For Dubai International and Al Maktoum International Airport, the passenger will have to report to the Dubai Civil Aviation Security Centre 48 hours prior to departure time.

Flight ticket must be dated before December 31.

Upon exiting, all fines and visa will be cancelled.

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Emergency phone numbers in the UAE

Estijaba – 8001717 –  number to call to request coronavirus testing

Ministry of Health and Prevention – 80011111

Dubai Health Authority – 800342 – The number to book a free video or voice consultation with a doctor or connect to a local health centre

Emirates airline – 600555555

Etihad Airways – 600555666

Ambulance – 998

Knowledge and Human Development Authority – 8005432 ext. 4 for Covid-19 queries

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Key changes

Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.

Disclosure

Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.

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