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As regards on whom the primary responsibility lies for ensuring that employees and their dependants have the appropriate health insurance cover, Article 11(1) of the Regulations states that the employer shall be held responsible even for procuring health insurance coverage for employees’ dependants who are not sponsored by the employer. The employer is responsible for ensuring that the employee and the employee’s dependants are covered by valid health insurance policies at all times. Employers are to meet the cost of providing basic health insurance policies for low salaried employees and their dependants and must not pass on the cost of providing such policies to employees.