Protect Your Greatest Asset: Seamless Group Health Coverage for Your Employees
Save Up to 55% on Group Health Insurance
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.
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.
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-
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.
The table below outlines the inclusions of group health insurance-
Category |
Inclusions |
---|---|
Outpatient Care |
|
Extensive Inpatient Cover |
|
Tailored Coverage Options |
|
Emergency Medical Cover and Support |
|
Comprehensive Pre and Post-Hospitalisation Cover |
|
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 |
Some of the key exclusions of group health insurance policy are as follows-
Category |
Exclusions |
---|---|
Cosmetic Procedures |
|
Behavioural and Mental Health |
|
Chronic Conditions |
Some chronic conditions might be excluded or have limited coverage, especially if diagnosed before obtaining insurance |
Dental and Optical Care |
|
Alternative Treatments |
Treatments such as homeopathy, acupuncture, and other alternative therapies unless explicitly included |
Maternity and Reproductive Health |
|
Specialized Drugs and Equipment |
|
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-
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:
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.
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.
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.
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.
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.