How to get Certificate of Continuity in UAE online free
A Certificate of Continuity (COC) is a crucial document in the UAE, required for both individuals and businesses in specific situations. For individuals, particularly when switching jobs, this certificate proves unbroken health insurance coverage. For businesses, it confirms that the company has been operating continuously without interruptions. Below is a step-by-step guide on how to obtain this certificate.
What is a Certificate of Continuity COC?
A Certificate of Continuity is a document issued by the relevant authorities that certifies either an individual’s continuous insurance coverage or a company's uninterrupted operations. In the UAE, this document holds significant value in various legal, financial, and administrative transactions.
Individuals (Health Insurance)
When an individual switches jobs in the UAE, particularly in Abu Dhabi, the law mandates continuous health insurance coverage. A Certificate of Continuity is required to show that there is no gap in insurance between the two jobs. This certificate is especially important in the case of transferring health insurance coverage from one employer to another.
Businesses (Operational Continuity)
For businesses operating in the UAE, a Certificate of Continuity confirms that the company has been running continuously without lapses in its legal or operational status. This certificate is often needed for:
- Renewing Licenses: Businesses might need it when renewing trade licenses or company registrations.
- International Transactions: In cross-border deals, international clients or partners may request proof of continuous operation.
- Government Tenders: Companies bidding for government projects may need to provide this certificate to ensure they are eligible to participate.
Importance of the Certificate of Continuity
This certificate serves several key purposes:
- Compliance: For individuals, it ensures compliance with health insurance laws, particularly in Abu Dhabi.
- Proof of Legitimacy: For businesses, it serves as proof of operational continuity, which is often a legal or contractual requirement in both local and international dealings.
- Facilitating Transactions: It smooths various transactions, such as transferring insurance, securing business contracts, or participating in government tenders.
Step-by-Step Process to Obtain the Certificate of Continuity
Health Insurance Continuity
If you’re seeking the certificate to demonstrate continuous health insurance coverage, here’s how to obtain it:
- Visit your health insurance provider’s website, mobile app, or nearest branch. If you're insured by Daman (a major UAE health insurer), you can log in to their portal: https://www.damanhealth.ae/
- Navigate to the section for "Insurance Documents" and look for the option to request or download the Certificate of Continuity.
- If you prefer a physical visit, you can go to the insurer’s branch office and provide your health insurance card. The certificate will typically be issued on the spot or within a few working days.
Make sure to have your insurance policy number and Emirates ID handy during the application.
Businesses (Operational Continuity)
For businesses, the process of obtaining a Certificate of Continuity is slightly more involved and depends on the entity’s registration status (mainland or free zone). Here’s how to proceed:
- Prepare the necessary documents
- Trade License: Ensure that the company’s trade license is active and up-to-date.
- Memorandum of Association (MoA) or Articles of Association (AoA): These documents outline the company’s operational framework.
- Proof of Operations: Depending on the authority, you may need to provide evidence of continuous operations, such as tenancy contracts, lease agreements, or financial statements.
- Submit your application to the relevant authority
- For mainland companies, submit your request to the Department of Economic Development (DED) of the respective Emirate where the company is registered.
- For free zone companies, submit the request to the governing Free Zone Authority (e.g., Dubai Multi Commodities Centre, Abu Dhabi Global Market, or Jebel Ali Free Zone).
- Pay the necessary fees. Depending on the Emirate or Free Zone, fees can range from AED 500 to AED 2,000. Urgent or fast-tracked processing may involve additional costs.
Many DEDs and free zone authorities offer online portals for document submission and certificate requests, making the process more efficient.
Documents Required for Application
For Individuals
- Health insurance card or policy number.
- Emirates ID (if required).
For Businesses
- A valid and active Trade License.
- Memorandum of Association (MoA) or Articles of Association (AoA).
- Proof of ongoing operations (e.g., bank statements, lease agreements).
- Power of Attorney (if a third party is applying on behalf of the company).
Processing Time and Validity
The processing time for a Certificate of Continuity depends on whether you're applying as an individual or a business:
- Individuals: If you apply online through your health insurance provider, the process is typically instant. However, if you apply at a physical branch, it may take a few hours or up to 2 working days.
- Businesses: Processing times can vary depending on the Emirate or Free Zone. Typically, it takes between 2 to 7 working days.
Once issued, the certificate is usually valid for one year. Businesses may need to reapply annually or as per the requirements of the respective authority.
Frequently Asked Questions (FAQs)
Is the Certificate of Continuity mandatory for all businesses?
Yes, businesses that are renewing licenses, bidding for government contracts, or entering into certain international agreements may be required to provide proof of continuous operations through this certificate.
Can I apply for the certificate online?
Yes, many health insurance providers and business regulatory authorities offer online portals where you can apply for the Certificate of Continuity, reducing the need for physical visits.
What is the cost of obtaining the certificate?
The cost varies depending on whether you are applying as an individual or a business. Health insurance continuity certificates are often free or come at a minimal cost, while business continuity certificates may range from AED 500 to AED 2,000.
Download COC Insurance in Dubai
A Certificate of Continuity is essential in the UAE for both individuals and businesses. It verifies that there has been no break in health insurance coverage or company operations, which is critical in complying with local laws and regulations. The process of obtaining the certificate is relatively straightforward, especially with the availability of online portals. Whether you're transitioning between jobs or ensuring your business can participate in major contracts, securing a Certificate of Continuity should be a top priority.
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