Group Health Insurance Dubai: Buy Group Medical Insurance Plans Online in UAE

What is Group Health Insurance?

A group medical insurance policy covers all eligible employees of your company or organisation under a single policy. It works just like an individual health policy, except that the employer pays premiums while employees get financial coverage for their medical treatments.

This type of coverage is beneficial for employees as well as for employers. It’s a cost-efficient option for employers to ensure their employees’ well-being. For employees, this means peace of mind. With a comprehensive policy, they can be covered not only for standard treatments but also for maternity, dental treatments, mental health, and more.

Key Features of Group Health Coverage

Here are the most significant features and benefits of group medical insurance in the UAE -

Features	Specifications
Group medical insurance cost	Less than AED 2/Day (per employee)
Minimum number of employees	2*
Types of plan	Basic plan Semi-comprehensive plan Comprehensive plan
Covered	Inpatient service, outpatient service, pre-existing conditions, and more
Add-Ons	Dental care, eye-care, maternity, and more
TPAs	NextCare Mednet NAS, and more
Claim procedure	Cashless and reimbursement

*Coverage for one employee is also available in some cases

How Does Group Medical Insurance Work in the UAE?

Here’s how group health insurance in Dubai and other emirates works —

For Employees

Automatic enrollment: After hiring, all eligible employees are immediately covered under their company’s group health policy.
Easy claims: After seeking medical treatment, an employee can file a claim just like with an individual plan. The claim is usually routed through the employer. Once approved, their treatment is covered as per the plan’s terms.
Comprehensive benefits: Group medical insurance in UAE covers various treatments and services. The list includes outpatient and inpatient treatments, diagnostics, maternity, ambulance, emergency accidents, and more.
Option to add family: While not all companies have this, some employers may allow you to include your children and spouse in the plan. It’s important to connect with your company’s HR department for further details.

For Employers

Mandatory coverage requirement: In the UAE, companies must provide health coverage for their employees.
Selection of a policy: Employers select the best group health insurance policy from a trusted insurer. The plan should fulfil business needs as well as employees’ requirements.
Premium: The employer has to pay the full cost of a group health plan. Note that they cannot deduct the costs from an employee’s salary.

Types of Group Health Insurance in UAE

Typically, you can find three types of group medical insurance in UAE -

Features	Basic Plan	Semi-Comprehensive Plan	Comprehensive Plan
Annual Limit	Up to AED 150,000	From AED 150,000 to AED 1,000,000, or more	From AED 250,000 to AED 1,000,000 or more
Geographical Coverage	UAE only or UAE+ home country	UAE, GCC, and other covered locations	Worldwide coverage
Inpatient Service	Covered with basic facilities	Covered with semi-private room facility	Covered with extensive services and private room
Outpatient Services	Generally not covered or covered with at least 20% co-pay	Typically covered with a 10% co-pay	Covered with no or minimum co-pay
Maternity Benefits	Generally excluded	Coverage starts from AED 10,000 or more	Coverage starts from AED 20,000, or more
Premium	N/A	Starts from AED 2,500	Starts from AED 3,500

✍️ The key features of your group medical coverage plan may be different from the details shown here. This is because the specific may vary as per the insurance provider and specific plan.

Basic Group Health Insurance Plan

This type of group health insurance plan offers essential medical coverage with affordable premiums based on salary. Typically, it offers coverage across the UAE.

This type of insurance comes with limited facilities, such as co-pay on treatments and referral requirements. You can also find an enhanced version of the basic plan that provides higher limits, reduced co-pays, and easier hospital access, offering broader and more convenient healthcare benefits.

Semi-Comprehensive Group Medical Insurance Plan

With the semi-comprehensive group health plan, you get broader coverage and more flexibility for your team. Premiums are based on each employee’s age, ensuring fair pricing. Your team can visit specialists and access well-known hospitals like Aster, NMC, and Modern.

Moreover, you can choose co-payment options of 20%, 10%, or even 0%. In some cases, you may also add extra benefits such as dental, optical, alternative, or psychiatric treatments for complete care. You can get this coverage starting at just AED 3,500.

Comprehensive Group Medical Insurance Plan

The comprehensive group medical insurance plan provides extensive coverage with premiums based on employees’ age. It offers direct hospital access, including premium networks like Mediclinic, Saudi German, American Hospital, and more.

You can also get co-pay options of 20%, 10%, or 0%, along with optional dental, optical, alternative, and psychiatric treatment benefits.

Why Should You Buy Group Medical Insurance Through Policybazaar.ae?

Policybazaar.ae is a trusted name in the UAE’s insurance landscape. With us, you can find the best group health medical insurance plans that match your specific requirements. Here are some reasons to choose us —

⭐Partnered with UAE’s Top Insurers

You can find a variety of insurance plans from the top insurers in one place. This way, you can actually choose the one that fulfils your organisation’s needs.

⭐Affordable Corporate Medical Insurance

By comparing plans from different insurers, you can find the most affordable group health insurance options without compromising on coverage.

⭐Dedicated Customer Support

Our team of experts can help you understand various policies and advise you on the most suitable plan.

⭐Instant Policy Issuance

We offer a straightforward online process to buy a policy. In just a few clicks, you can easily get the right policy without much hassle.

Get Cover At Less Than AED 2/Day/Employee*!

Benefits of Group Health Insurance for Employees

With group medical coverage, employees can get significant benefits —

Coverage without Costs: Employees don’t need to pay any premiums as the costs are covered by employers. This makes it a zero cost option for employees.
Coverage for Chronic Conditions: Most group health insurance plans cover pre-existing conditions. Under individual policies, such conditions may be covered after a waiting period or with a loading premium.
Comprehensive Coverage: Employees can access coverage for a wide range of services, including hospitalisation, surgeries, maternity care, and even outpatient services (as per the plan).
Family Coverage: In many cases, employees can extend coverage to their spouses and children. This is an easy way to ensure that their loved ones are also protected.
No Waiting Period: Unlike individual health plans, group health insurance usually offers coverage from day one of the policy. You can access medical care and benefits immediately, without any waiting period.

Benefits of Group Medical Insurance for Employers

By offering group health coverage to employees, employers can also get numerous benefits -

Attract and Retain Top Talent: A competitive plan can help in retaining more employees, as they are likely to stay with a company that invests in their well-being.
Tax Benefits: Employers can often enjoy tax deductions in the form of VAT refunds for providing group health medical insurance. This makes it a cost-effective way to support employees.
Reduced Absenteeism: Employees with access to healthcare services can seek medical treatment sooner, reducing absenteeism due to untreated conditions.
Boost Employee Morale: When employees feel that their health is valued, they are more likely to be motivated and productive.
Shows Legal and Social Responsibility: Providing group medical coverage is also a legal and social obligation for many employers and strengthens the company’s reputation.

Get Cover At Less Than AED 2/Day/Employee*!

Who Can Buy Group Health Coverage in the UAE?

Group medical insurance is a vital component of employee benefits in the UAE. Irrespective of size and business operations, it is mandatory for all employers to ensure their workforce is accessible to basic healthcare services.

With that said, here are a few points to keep in mind while getting comprehensive group insurance for employees —

Minimum Number of Employees: In many regions, such as the UAE, employers must have a minimum number of employees to qualify for group health insurance. The specific number may vary by insurer.
Employee Eligibility: Typically, employees must be full-time and listed on the company payroll to be eligible for coverage.
Dependents: Some plans allow employees to include their family members as dependents under the same policy, though this often comes with an additional cost.

Group Medical Insurance in UAE — What is Covered and What’s Not?

Here are the major inclusions and exclusions of group health coverage —

✅ What’s Covered

Doctor consultations

Room rent & ICU charges

Pre and post-hospitalisation

Pre-existing conditions

Emergency ambulance services

Tests and diagnostics

❌ What’s Not Covered

Cosmetic surgeries

Suicide attempt or self-harm

Alcohol and drug-abuse treatments

IVF or fertility treatment

Injuries or health risks due to participation in illegal activities

Group Health Insurance Add-Ons

A standard group health medical insurance plan offers the same coverage to all employees. However, if the employer wishes, they can extend this coverage with optional benefits, known as add-ons or riders.

Some of the most common add-ons include —

Maternity cover
Dental treatment
Optical care
Mental health services
Worldwide coverage
Physiotherapy and more

Note

In some cases, the add-ons mentioned above may already be included in the standard policy. If not, they can always be added separately to enhance the coverage by the employer.
The list above includes general add-ons. Actual riders may vary as per the plan.

Eligibility Criteria to Buy Group Medical Insurance UAE?

For group health insurance coverage, both the employer and employee may need to meet certain eligibility criteria —

Employers	Employees
Must be a legally registered business in the UAE Must meet the minimum employee requirement by the insurer (you can buy a policy even with as few as 1–2 employees)	Only full-time employees are eligible Must be listed on the official payroll and the Ministry of Labour list Must hold a valid work visa issued by the employer

Documents Required to Buy Group Health Medical Insurance

Here are some documents commonly required to buy standard corporate medical insurance in Dubai and other emirates —

Trade licence
Key shareholder’s identity proof (Emirates ID and more)
Employee registration proof
Company establishment proof
Memorandum of association, and more

✍️ Employees also need to submit the following documents to get group medical coverage in the UAE -

Emirates ID
Valid passport
Residence visa
Address proof
Marriage proof (to cover spouse, if applicable)
Enrollment proof (to cover children and dependents, if applicable)

Tips to Buy the Right Group Health Coverage for Employees

Choosing the right group health insurance plans can be a daunting task, but to keep the process smooth, keep the following factors in mind -

Verify the Insurance Provider’s Legitimacy: Ensure the insurance broker is a registered provider in the UAE, complying with all local regulations.
Coverage Range: Ensure the plan provides comprehensive coverage, including hospitalisation, outpatient care, maternity, and dental.
Consider Your Employees' Needs: Make sure the insurance provider factors in —
- Company size: Tailor coverage to the scale of your business.
- Employee demographics: Age, gender balance, salary levels, and any existing health conditions.
Premiums: Compare premiums and assess what benefits are included at each cost level.
Network Hospitals: Check the list of network hospitals where employees can access cashless services.
Claims Process: Evaluate the ease and efficiency of the claims process to ensure timely reimbursement or cashless treatment.
Specialisation Matters: Choose an insurance broker that specialises in corporate health policies like Policybazaar.ae.

Get Cover At Less Than AED 2/Day/Employee*!

Factors Affecting the Cost of Group Health Insurance

Numerous factors influence group medical insurance premiums in the UAE. Let’s understand the major ones below —

Size and Age of the Group

This is one of the most important factors. Generally, organisations with a larger workforce and a lower average employee age are likely to pay lower premiums.

Employment Type

Companies involved in high-risk operations often face higher premiums. Industries like healthcare, aviation, construction, and fieldwork carry higher risks, while administrative or desk jobs are typically low-risk. The higher the risk, the higher the premiums.

Type of Group Medical Insurance

Different insurers provide various types of group health coverage, ranging from basic to comprehensive.

A policy that covers only the employee usually costs less, while a comprehensive plan that allows employees to include their family members typically comes with a higher premium. Similarly, a plan that provides only basic coverage may cost less than a policy providing extra benefits like psychiatric treatment, physiotherapy, and more.

Sum Insured

This is another key factor affecting group health plan premiums. Policies with higher sum insured generally come with higher premiums, while those with lower coverage are more affordable.

Customisation or Add-Ons

Group health medical insurance with add-on benefits usually costs more. If you choose extensive coverage under a standard plan or customise it to meet employees’ specific needs, the premium will increase accordingly. The more coverage you add, the higher the cost of the policy.

How to Buy for Group Medical Insurance in UAE?

Are you ready to secure group insurance for employees? Visit platforms like Policybazaar.ae to explore various plans, compare premiums, and find the best solution tailored to your company's needs.

On the homepage, navigate to the 'Business Insurance' section.

Select 'Group Health Insurance' to begin the application process.

Complete the provided lead form with your company details and requirements.

After submitting the form, our representative will contact you to discuss your needs and help you choose the best plan.

Policybazaar.ae ensures you get the best health insurance for employers tailored to your company's unique needs. If you have any questions, you can also reach out directly to us via WhatsApp, phone, or email for further assistance.

Buy Group Health Insurance From Policybazaar.ae!

Group Health Medical Insurance Claim Process in the UAE

Find below the process of filing a claim for corporate health insurance in UAE —

For Direct Billing

Employees can simply show their insurance card at the hospital. After they pay the deductibles and any other charges, the insurer can cover the remaining costs through cashless or direct billing.

For Reimbursement Claims

Inform the insurance company to file a claim — insurers now have apps or online platforms for the same
Submit the required documents, such as your identity proof, medical reports, hospitalisation bill, and more
Submit the group medical coverage claim, which will be reviewed by the insurer
Once your claim is approved, you will get the reimbursement amount (as per the policy terms)

Last Updated At - 28 November 2025

FAQs About Group Medical Insurance

Yes, it’s mandatory for employers to provide group health insurance in Dubai and all other emirates. This ensures each employee can access necessary healthcare without stressing about the costs.

The minimum number of employees required for group health insurance varies by insurer. However, companies can usually get the coverage for their workforce with at least 1-2 employees.

Group health insurance is a type of insurance that covers a group of individuals, typically employees of a company. It covers the employees’ expenses related to necessary medical treatments.

Yes, most group medical insurance plans cover pre-existing conditions. However, for coverage without any waiting period (usually when switching companies), a certificate of continuity may be required.

Individual medical insurance covers only one person and is purchased directly by them. Group health insurance, on the other hand, is typically purchased by employers for their employees. Group plans are usually more cost-effective than individual plans.

Group health insurance does not provide any coverage for cosmetic surgeries, self-inflicted injuries, diseases resulting from nuclear explosions, participation in illegal activities, infertility treatments, and so on.

Full-time employees qualify for group medical insurance in the UAE. Some companies also cover dependents like a spouse and children, based on the Emirate and other criteria.

You can find the best group health coverage on the basis of the company's size, budget, and scope of coverage. On Policybazaar.ae, you can compare various plans from the top insurers to find the right fit for your business.

The cost of group medical insurance depends on various factors, including the number of employees, their ages, pre-existing medical conditions, and the policy type. At Policybazaar.ae, you can find affordable plans starting from less than AED 2/day per employee.

No, group health plans usually don’t require employees to undergo medical examinations.

Yes, group health insurance is worth it for both employees and employers. Employees receive coverage for medical emergencies and pre-existing conditions, ensuring financial security. Employers, in turn, benefit from lower premiums, regulatory compliance, improved employee retention, morale boost, and more.

Group health insurance (also known as group medical insurance) offers several benefits. The list includes lower premiums compared to individual policies, wider coverage, no waiting period, and coverage for pre-existing diseases.

In Dubai, employers are required to provide health insurance only for their employees. However, some companies may choose to offer coverage for dependents (like a spouse and children).

No, you can get the benefits of corporate health insurance without any waiting period in the UAE. However, if you change organisations without a Certificate of Continuity (COC), a waiting period may apply.

No, you cannot convert a group health insurance policy into an individual plan in the UAE.