Best Group Health Insurance Companies in UAE

Group health insurance is a type of plan where healthcare coverage is extended to a group of individuals, typically employees of a company or members of an organisation. These plans often come at a reduced cost since the insurer's risk is spread across a larger pool of policyholders. This type of insurance ensures that businesses can meet their legal obligations while also enhancing their overall employee benefits package. This makes them more attractive to current and potential staff.

In the following sections, we'll explore the best group health insurance providers, offering plans that cater to different business needs and employee healthcare requirements.

10 Best Group Health Insurance Providers in UAE

Here are the top group health insurance companies that can provide you with the right insurance suitable for your needs —

1- Sukoon Insurance

Sukoon Insurance offers a wide array of customisable group health insurance plans designed to meet the needs of businesses, especially SMEs. Their plans are ideal for employers seeking to attract and retain employees by providing comprehensive healthcare benefits.

Types of Group Health Insurance Plans:

2- RAK Insurance

RAK Insurance offers group health insurance tailored to the needs of businesses. This group health insurance company’s plans provide a range of coverage options that can be customised for both employers and employees.

Key Benefits:

• Flexibility: Offers plans ranging from basic coverage to more comprehensive plans with a wide range of services
• Tailored Options: Easily customizable coverage to suit the specific needs of the group
• Flexible Billing: Direct billing options through an extensive network of healthcare providers, especially useful in emergencies
• Third-Party Administration (TPA): Option to use TPA for 24/7 access to medical networks and handling of approvals

What’s Covered:

3- Al Ain Ahlia Business Insurance

Al Ain Ahlia Insurance offers a range of medical insurance plans designed to meet the needs of SMEs and large corporations. Their plans are available both locally and internationally, with 24/7 access to a wide network of healthcare providers.

Coverage Includes:

• Emergency Care: Medical assistance during emergencies
• Inpatient and Outpatient Care: Comprehensive treatment for both inpatient and outpatient services
• Optional Add-ons: Additional coverage for dental, optical, wellness, and alternative medicine
• Global Network: Access to healthcare providers worldwide, ensuring extensive coverage for international employees

4- Abu Dhabi National Insurance Company (ADNIC)

ADNIC is one of the most reliable companies and has made its name in leading group health insurance companies that offer medical insurance tailored to meet the needs of organisations, with flexible options and extensive coverage. The plans are designed for both small and large businesses and cater to various market segments.

Key Features:

• Financial Strength: HAAD and DHA registered plans backed by A-rated reinsurers for financial stability
• Global Access: Direct billing available globally, ensuring access to healthcare anywhere
• Comprehensive Coverage: Includes inpatient care, outpatient services, maternity, dental, optical, and medical evacuation
• Extensive Network: Access to over 2,000 healthcare providers, ensuring hassle-free medical treatment

5- Al Buhaira National Insurance

This company is a trusted leader when it comes to choosing the best group health insurance companies providing a range of medical insurance plans that deliver cost-effective healthcare coverage for SMEs. Their plans cover various healthcare services, including hospitalization and outpatient treatment.

Key Benefits:

• Comprehensive Coverage: Includes hospitalization, surgeries, and emergency treatment
• Customisable Plans: Tailored to meet the specific needs of organizations, with flexible options based on employee roles
• Wide Network: Access to over 1,500 medical providers in the UAE, including hospitals, clinics, and pharmacies

Medical Plan & Coverage:

6- Union Insurance

Union Insurance offers a group health insurance plan that ensures employees receive necessary medical care. It is designed for companies of various sizes and provides a wide range of healthcare coverage.

Key Features:

• Cost-Effective: Provides affordable premiums due to the collective risk pool of employees
• Wide Network: Access to over 3,400 healthcare facilities
• Employee Benefits: Ensures healthcare coverage for employees, helping maintain their health and productivity
• Broad Coverage: Includes inpatient, outpatient, and preventive care
• Simplified Administration: Managed by the employer, making it easy to provide group health coverage

7- Arabia Business Insurance

Arabia Insurance offers a robust group health insurance plan for businesses. The policy provides comprehensive medical coverage, including benefits for chronic conditions, maternity, dental, and optical care.

Key Coverages:

• Comprehensive Care: Includes coverage for chronic conditions, pre-existing health issues, maternity, and prosthetics
• Dental and Optical: Coverage for dental and optical care, promoting overall employee well-being
• Annual Coverage: Coverage up to AED 1,000,000 annually, ensuring robust protection for employees

Additional Benefits:

• Wellness Programs: Encourages a healthy lifestyle among employees
• Simple Claims Process: The insurance policy offers an easy and transparent claims process, ensuring efficient settlement

8- Al Sagr Business Insurance

Al Sagr is one of the best group health insurance providers that offers a variety of group health insurance packages for SMEs and large corporations. Their insurance plans are designed to cater to the healthcare needs of employees with customizable options.

Key Features:

• Tier-Based Packages: Offers Diamond, Gold, Silver, and Bronze plans based on coverage requirements
• Extensive Coverage: Includes outpatient, inpatient, maternity, dental, optical, and psychiatric services
• Customisable Plans: Tailored plans with flexible co-payment options and deductible arrangements

Additional Benefits:

• Global Coverage: Available for both UAE and international employees
• Top TPAs: Access to MedNet and NAS for comprehensive medical network services

9- Fidelity Business Insurance

Fidelity offers mandatory group health insurance plans that cover treatment expenses for employees in the event of sudden illness or accidents. Their plans provide coverage through direct billing or reimbursement.

Key Features and Benefits:

• Outpatient and Inpatient Coverage: Includes consultations, diagnostic tests, hospital stays, and surgeries
• Tailored Policies: Option to add additional coverage such as dental, optical, and physiotherapy
• Transparent Claims Process: Ensures a simple and efficient claims process for all employees

10- Gig Gulf Insurance

If you are looking for a group health insurance company that provides comprehensive insurance plans for SMEs and large corporations, look no further than Gig Gulf Insurance. Their plans offer extensive coverage and flexibility to suit the needs of businesses.

Main Covers for Large Corporates (More than 50 employees):

Main Covers for Small & Medium Groups (2-50 employees):

Frequently Asked Questions