Group Health Insurance Online in UAE

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Group health insurance in the UAE is an essential consideration for businesses of all sizes. Not only is it important for safeguarding the health and well-being of employees, but in Emirates like Dubai and Abu Dhabi, group health insurance UAE is also a legal requirement. 

What is Group Health Insurance?

Group health insurance is a type of insurance plan that covers the healthcare expenses of a group of people, usually employees of a company or members of an organisation.

This form of group health coverage is generally uniform in nature and provides the same benefits to all members of the group. Organisations opt for group health insurance UAE because it is often more cost-effective compared to individual insurance plans. 

Additionally, one of the notable benefits of modern group health insurance is the convenience of purchasing it online. With online group health insurance platforms, businesses can compare different policies easily and find a plan that best fits the needs of their employees while managing costs effectively.

Top Features and Benefits of Group Health Insurance

Group health insurance in the UAE offers several features and benefits that are particularly advantageous for companies and their employees. 

 

Here are the key features and benefits-

  • Comprehensive Coverage: Group health insurance typically offers extensive coverage, including general physician visits, specialist consultations, surgical procedures, maternity care, and, sometimes, even dental and optical care. This comprehensive coverage ensures that employees have access to a wide range of medical services.
  • Cost-Effective for Employers: Providing medical insurance for company employees through a group plan is generally more cost-effective than individual plans. Due to the larger pool of insured individuals, insurance providers can offer lower premiums per member- this makes it a financially wise choice for businesses.
  • Pre-existing Conditions Cover: One of the major advantages of group health coverage in the UAE is the inclusion of pre-existing conditions by some policies. This is particularly beneficial for employees who might struggle to obtain individual health insurance due to their medical histories.
  • Ease of Management Through Online Platforms: The availability of online group health insurance makes managing policies more convenient. Employers can easily purchase, renew, and manage their group health insurance plans online.

Who Can Sign Up for Group Health Insurance in UAE?

  • Organisations and Firms

  • Employees on Payroll

  • Contractual/Part-time Employees

  • Dependents

Any legally registered business in the UAE, regardless of its size, can apply for a group health insurance plan. This includes everything from small start-ups to large multinational corporations.

The primary beneficiaries of group health coverage are the employees who are officially on the payroll. This coverage often extends to full-time workers.

Some policies may also allow the inclusion of part-time or contractual employees under group health insurance UAE. Keep in mind that this can vary as per the specific terms set by the insurance provider.

Most group health insurance plans offer the option to include dependents of the employees-  spouses, children, and sometimes even parents- under the same policy, although this might affect the premium costs.

 

Inclusions of Group Health Insurance in UAE

The table below outlines the inclusions of group health insurance-

Category

Inclusions

Outpatient Care

  • Access to medical consultations without an overnight hospital stay
  • Includes diagnostic tests such as blood tests, X-rays, and MRI scans
  • Referrals for further inpatient treatment if necessary

Extensive Inpatient Cover

  • Coverage for conditions requiring overnight hospitalisation 
  • Includes minor procedures that can be performed on a day-patient basis without an overnight stay

Tailored Coverage Options

  • Option to customise the policy with additional benefits like dental and optical cover 
  • Includes therapies such as physiotherapy, chiropractic, osteopathy, and acupuncture treatments following accidents or injuries

Emergency Medical Cover and Support

  • Round-the-clock emergency medical coverage
  • Streamlined enrollment and efficient claims settlement processes

Comprehensive Pre and Post-Hospitalisation Cover

  • Covers medical expenses before and after hospitalisation 
  • Includes coverage for pre-existing and chronic conditions

Outpatient and Inpatient Treatments

Coverage for various outpatient treatments and inpatient care, including cash indemnity options

Extensive Diagnostic Test Coverage

Covers necessary diagnostic tests under the policy terms

Maternity and Newborn Care

Provides coverage for maternity needs and newborn care

 

Exclusions of Group Health Insurance in UAE

Some of the key exclusions of group health insurance policy are as follows-

Category

Exclusions

Cosmetic Procedures

  • Elective cosmetic surgeries that are not medically necessary
  • Any treatments related to cosmetic enhancements unless required by accident

Behavioural and Mental Health

  • Treatments for specific mental health conditions may be limited or excluded depending on the policy
  • Behavioural treatments not prescribed by a specialist

Chronic Conditions

Some chronic conditions might be excluded or have limited coverage, especially if diagnosed before obtaining insurance

Dental and Optical Care

  • Routine dental check-ups and optical care unless specified in the policy 
  • Corrective eye surgeries are generally excluded unless added as a specific rider

Alternative Treatments

Treatments such as homeopathy, acupuncture, and other alternative therapies unless explicitly included

Maternity and Reproductive Health

  • Coverage for maternity and reproductive health can be limited — for instance, IVF treatments are usually excluded
  • Some policies limit the number of deliveries or prenatal visits covered

Specialized Drugs and Equipment

  • Experimental drugs and non-standard medical equipment might not be covered 
  • High-cost medications and treatments might require prior approval

How are Premiums of Group Health Insurance Calculated?

Premiums for group health insurance in the UAE are determined by a variety of factors that insurance providers consider when assessing the risk and cost of providing coverage. 

Some elements that influence premium calculations are listed below-

  • Number of Employees: Generally, the larger the group, the lower the per-member premium due to the reduced risk spread across a larger pool of insured individuals.
  • Age Distribution: The ages of employees play a significant role. Older employees are typically more likely to use health insurance, which can increase the overall premium for the group.
  • Industry Type: The nature of the industry can affect premiums. Industries with higher health risks due to environmental factors or occupational hazards might see higher insurance costs.
  • Health Benefits Chosen: The scope and extent of the chosen group health coverage also impacts the premium. For instance, comprehensive plans covering a wide range of medical services will generally cost more.
  • Geographical Location: Depending on the location of the company and the medical costs in that area, premiums can vary. For instance, areas with higher healthcare costs might see corresponding increases in premium rates.
  • Policy Terms: Deductibles, co-pays, and coverage limits set within the policy also play a crucial role. Higher deductibles and copays can help reduce the premium cost.

How to Apply for Group Health Insurance in the UAE?

Applying for group health insurance in the UAE is a straightforward process with platforms like Policybazaar.ae. 

Known for its wide range of plans and reliability, Policybazaar.ae offers expert guidance and unbiased advice, helping organisations make informed decisions about their insurance needs. 

Here is how you can apply for group health coverage through their website:

  1. Visit the official website of Policybazaar.ae.
  2. Navigate to the 'Business Insurance' section.
  3. Locate the 'Group Health Insurance' option.
  4. Fill out the lead form provided.

Once you submit the form, a representative from Policybazaar.ae will contact you to discuss your needs and guide you through the next steps. You will receive personalised assistance and all the necessary information to secure the best group health coverage for your employees.

 

Q. What is the minimum number of employees required to qualify for group health insurance in the UAE?

In the UAE, the minimum number of employees required to qualify for group health insurance typically starts from 7. However, this number can vary depending on the insurance provider.

Q. Can employees add family members to their group health insurance plan?

Yes, employees can usually add family members to their group health insurance plans. Although the coverage terms for family members are often similar to those offered to the employees, additional premiums may be required in this case.

Q. Is dental coverage included in group health insurance plans in the UAE?

Dental coverage is not automatically included in all group health insurance plans. It is often available as an optional add-on or rider that companies can choose to include for comprehensive coverage.

Q. What happens to the group health insurance if an employee leaves the company?

When an employee leaves the company, their group health insurance coverage typically ends unless otherwise specified in the policy. Note that some insurance providers offer the option for employees to convert their group coverage to an individual plan upon leaving the company, although this option might come at a higher premium.