REGULATION WATCH- Gov’t issues exemption guidelines for those who are unable to pay for universal healthcare: The government has issued guidelines to determine who will not have to pay insurance premiums under the Universal Healthcare Act, Al Shorouk reported. Under the legislation, employees have to pay premiums equivalent to 1% of their salary, increasing to 3% to cover an unemployed spouse and a further 1% for each child. Citizens who receive aid from the Takaful and Karama social welfare programs will be exempt from paying premiums, as will families where the breadwinner is unemployed, disabled or has no other sources of income. Also included are citizens suffering as a result of natural or man-made disasters as well as individuals whose income does not meet their needs or their families.