Group Health Insurance in Dubai, UAE

Group health insurance is also known as corporate medical insurance. It’s mandatory for employers to provide group health coverage to their employees in the UAE. This insurance can cover employees’ essential medical expenses related to hospitalisation, consultations, pre-existing conditions, and ...read more

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Group Medical Insurance- At a Glance

✦ Group health insurance is mandatory and employer-funded coverage in the UAE.

✦ Group medical coverage typically includes inpatient, outpatient, pre-existing conditions, emergency treatment, and co-payments of 20%–30% on some medical services.

✦ In many Emirates, such as Abu Dhabi, group health insurance also covers the employee's dependents, including the spouse and up to 3 children under 18.

✦ With the top insurers, like Sukoon and RAK Insurance, you can customize the group health plan by choosing add-ons, such as dental, optical, maternity, and mental health services.

✦ The cost of this plan depends on several factors, including your business revenue, employee count, sum insured, industry, policy customisation, and location.

What is Group Health Insurance in Dubai & UAE?

As discussed above, a group health insurance policy covers all eligible employees of a company 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.

Directly from experts

As businesses in the UAE grow, so does the responsibility to protect the people behind that growth. At Policybazaar.ae, we offer tailored group health insurance plans designed to keep your workforce healthy, motivated, and productive. From SMEs to large enterprises, our coverage ensures your employees feel valued, because when your team thrive, your business does too. Trust us to handle the protection, while you focus on the growth.

Ashu Bajaj

Business Head - Business Insurance

Key Features of Group Health Coverage in UAE

Here are the most significant features and benefits of group health 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
Group health coverage	Inpatient service, outpatient service, pre-existing conditions, and more
Add-Ons	Dental care, eye care, maternity, and more
TPAs	NextCare Mednet NAS, and more
Who Pays the Premium?	Employer
Dependent Coverage	Mandatory in Abu Dhabi and optional in other Emirates
Claim procedure	Cashless and reimbursement

*Coverage for one employee is also available in some cases

What are the Types of Group Health Insurance in UAE?

In the UAE, you can typically get three types of group medical insurance plans: basic, semi-comprehensive, and comprehensive plans. The key details of the plans are listed below:

Features	Basic Plan	Semi-Comprehensive Plan	Comprehensive Plan
Annual Coverage 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
Optional Coverage (Add-On)	Typically, not available	Dental/Optical/Alternative medicines/Psychiatric Treatment	Dental/Optical/Alternative medicines/Psychiatric Treatment
Premium	Starts from AED 600	Starts from AED 2,500	Starts from AED 3,500
Co-Payment Option	Available	20%, 10%, or 0%	20%, 10%, or 0%
Best Suited For	SMEs, domestic workers, and low-salaried employees	Mid-size companies, mixed salary band employees	Professional service providers, MNCs, and high-salaried professionals

✍️ 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.

Why Should You Buy Group Health 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.

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

Here are the major inclusions and exclusions of group health coverage in the UAE:

✅ 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.

How Does Group Medical Insurance in Dubai Work?

Here’s how group medical insurance in Dubai and other emirates works for employees and employers:

For Employees	For Employers
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: Employees can get comprehensive coverage for various treatments that include 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. Note that in Abu Dhabi, dependents' coverage is mandatory.	Mandatory coverage requirement: It’s compulsory for employers to provide group health insurance in the UAE. The rules require businesses to provide compliant coverage for their workforce. Selection of a policy: Employers select the best group health insurance policy from a trusted insurer. The plan should fulfill business needs as well as employees’ requirements. Premium: The employer has to pay the full cost of a group health plan. They cannot deduct the costs from an employee’s salary. Penalty: Gaps in coverage may result in legal penalties or fines for employers.

For Employees

For Employers

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: Employees can get comprehensive coverage for various treatments that include 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. Note that in Abu Dhabi, dependents' coverage is mandatory.

Mandatory coverage requirement: It’s compulsory for employers to provide group health insurance in the UAE. The rules require businesses to provide compliant coverage for their workforce.
Selection of a policy: Employers select the best group health insurance policy from a trusted insurer. The plan should fulfill business needs as well as employees’ requirements.
Premium: The employer has to pay the full cost of a group health plan. They cannot deduct the costs from an employee’s salary.
Penalty: Gaps in coverage may result in legal penalties or fines for employers.

Benefits of Group Medical 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 Health 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.

Top 3 Group Medical Insurance for Company in the UAE (2026)

Choosing the right group medical coverage requires selecting a licensed insurer based on reputation, plan flexibility, premium costs, and claim support. With many options available, it’s necessary to compare these factors so that your business finds the most suitable group medical insurance provider in the UAE.

Here are the top 3 group medical insurance companies that you can consider:

Top Medical Insurance Company	Key Features	Minimum Group Size	Suitable For
Sukoon Insurance	Basic to enhanced group health coverage Customised geographical area of cover Dedicated claim support	2+	SMEs to large corporates
Rak Insurance	Comprehensive cover Pre-existing cover from Day 1 Wide TPA networks	5+	Large corporates, international teams, and businesses seeking strong TPA networks
Watania Takaful	Comprehensive health cover for employees Robust claim support Affordable plan	2+	Businesses of all sizes

How Much Does Group Medical Insurance in Dubai Cost?

Basic group health coverage starts from around AED 600 annually, with costs varying by emirate. At Policybazaar.ae, employers can find affordable plans starting from as low as AED 2 per day for their employees.

It’s important to note that the premium of medical insurance for a company depends on various factors, such as business type, location, number of employees, sum insured, and more. Let’s discuss the major factors 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 per employee.

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 includes 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 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.

What are the Eligibility Criteria to Buy Group Medical Insurance in 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

Which Documents are Required to Buy Group Health Medical Insurance in UAE?

When you proceed to buy standard corporate medical insurance in Dubai or any other emirate, insurers typically ask for the following documents:

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. Some of the key documents include:

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

How to Buy Group Medical Insurance in the UAE?

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, move to the 'Business Insurance' section

Select 'Group Health Insurance' to start the application process

Complete the 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 group insurance for employees tailored to your company's unique needs. If you have any questions, you can also reach out directly to us via 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)

Guide to Group Health Coverage in Dubai

Group Health Insurance for Small Businesses	What is Enaya Program?	Best Group Health Insurance Companies in UAE
Guide for Group Health Insurance in Abu Dhabi	How to Get Health Insurance for Employees	Guide for Corporate Wellness Programs in UAE Workplace
Group Health Insurance and Pre-Existing Conditions	Benefits of Group Health Insurance - Complete Guide	Group Health Insurance vs Individual Health Insurance

FAQs About Group Medical Insurance

Group medical insurance or group health insurance is a type of business insurance that covers a group of individuals, typically employees of a company. It covers the employees’ expenses related to necessary medical treatments and pre-existing conditions.

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 coverage for their workforce with at least 1-2 employees.

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.

Medical insurance for company in the UAE typically starts from around AED 600 for a basic plan. The premium varies based on coverage level, employee profile, and emirate.

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

Medical cover for dependents is not universally mandatory in the UAE. However, in Abu Dhabi, employers have to provide group health coverage for the dependents too, including one spouse and up to 3 children under 18 years.

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, such as Sukoon, RAK Insurance, GIG Gulf, and more to find the right fit for your business.

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.

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.

No, employers must bear the cost of group health insurance in the UAE. Salary deductions for basic employee coverage are not permitted by law.

To get the best group insurance for employees, you need to compare multiple plans, inclusions, exclusions, claim support, and cost. On Policybazaar.ae, you can get the assistance of experts and find the right plan in minutes.

Companies that fail to provide mandatory health insurance in the UAE may face fines, visa restrictions, and administrative penalties. Enforcement varies by emirate, but non-compliance can lead to penalties ranging from AED 300 to AED 150,000.

Compare group medical plans by reviewing coverage benefits, network hospitals, premiums, exclusions, and claim support. Also, check the insurer's reputation and plan flexibility. Platforms like Policybazaar.ae help you compare multiple insurers, customise coverage, and choose the most suitable plan for your employees.

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.

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Chanchal Singh

Content Writer

Chanchal is a strategic content writer with over 5 years of experience in digital content, specialising in business and home insurance. She focuses on compliance, market trends, and practical insights that help individuals and businesses make informed decisions. Her content is built on credible sources and expert inputs, ensuring accuracy, clarity, and real value for readers.

Reviews & Ratings

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Gulshan DhanjalDubai, 3 November 2025

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Removed the Hassle from InsuranceWhile running a business, insurance is the last thing on my mind. Thank you so much Policybazaar UAE for keeping it that way. Right from the start they made the journey so effortless that I literally didn’t have to spend any big energy or time on chasing after insurers or understanding big complex terms!

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Great for Diverse TeamsMy company has people of very different ages and roles. But getting group health insurance for employees was zero hassle with this platform.

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