Group Health Insurance in Abu Dhabi

Providing group health insurance in Abu Dhabi is the major responsibility of employers, whether an SME or a large corporation. By law, employers in the UAE are legally obligated to provide the right health coverage to support their employees' well-being. Keep reading to understand the key aspects of ...read more

Is it Mandatory to Have Group Medical Insurance in Abu Dhabi?

Yes, employers in Abu Dhabi must provide health insurance coverage to their employees. According to UAE law, every resident, whether a UAE national or expatriate, must be covered by health insurance.

Furthermore, the law mandates employers to cover the dependents of the employee, which typically include one spouse and up to 3 children (under 18 years). The coverage works for both employers and employees, helping employers to comply with the law while employees can enjoy financial protection when health emergencies arise.

Key Requirements:

Employers must offer health insurance to all employees, regardless of salary.
The minimum coverage requirements vary by employee category, but coverage must include both outpatient and inpatient treatment, emergency services, and maternity care.

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

Importance of Group Health Insurance in Abu Dhabi

Group medical insurance in Abu Dhabi is essential for both employers and employees in various aspects that we have mentioned below:

Benefits of Group Medical Insurance for Employees

Access to quality healthcare from top providers, including hospitals, clinics, and more
Family protection, as it covers the spouse and children
Financial protection in case of medical emergencies
No premium payout from their pocket
No stress to manage their group plan, as it is completely handled by employers

Benefits of Group Health Insurance for Employers

Attract top talent in the industry and improve the retention rate
Boost the morale of their workforce
Stay compliant with the UAE law
Avoid fines and restrictions on work permits
Enhancing business productivity ultimately helps in revenue generation

🤓 Good to Know: The ‘Thiqa Programme’ is a government-backed healthcare scheme that provides comprehensive medical coverage to UAE nationals and eligible individuals in Abu Dhabi.

Why Should SMEs and Large Corporations Consider Group Medical Insurance in Abu Dhabi?

Beyond legal requirements, group medical insurance strengthens workforce security, boosts productivity, and supports scalable growth for SMEs and large organisations.

Here’s why both small and medium-sized enterprises (SMEs) and large corporations should offer group health insurance in Abu Dhabi:

▶️ Health insurance is an important employee benefit. It helps you stand out as an employer of choice, and you can attract top talent.

▶️ Employees are more likely to stay with a company that provides health insurance, which reduces turnover and recruitment costs.

▶️ Ensuring that your employees are covered under a GHI plan helps you comply with the UAE’s health insurance laws, preventing any legal complications.

▶️ Employers in Abu Dhabi can benefit from certain tax incentives when they provide health insurance benefits to their employees.

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

How Much Does Group Health Insurance in Abu Dhabi Cost?

The cost of group health insurance in Abu Dhabi, UAE varies depending on several factors, including:

Size of the company
Level of coverage provided
Employee’s health condition
Insurance provider chosen, and more

Typically, you can get competitive coverage with the basic health insurance scheme that costs you around AED 320 annually. However, if you are looking to provide comprehensive coverage to your employees at a minimal cost, visit Policybazaar.ae. Here you can find plans starting at AED 2/Day/Employee.

✍️Note: Many insurance providers in Abu Dhabi offer customisable group health plans that allow employers to adjust coverage levels and benefits according to their budget and business needs.

How to Buy the Best Group Health Insurance Abu Dhabi?

When choosing the best group health insurance in Abu Dhabi, here are some important factors to consider:

Coverage Type: Make sure the group policy offers comprehensive coverage, including both outpatient and inpatient services, emergency medical treatment, maternity care, and more. The coverage should meet the individual’s health needs.
Network of Hospitals and Clinics: Check if the insurance provider has a wide network of hospitals and clinics, preferably in Abu Dhabi, so employees have easy access to medical care.
Claims Process: The insurance provider should have an easy and quick claims process. This will reduce hassle for both employers and employees when medical treatment is needed.
Insurance Cost: Compare premiums and coverage options from multiple providers to ensure you’re getting affordable corporate health insurance for your workforce.
Employee Feedback: If your company already offers a group health plan, get feedback from your employees on what they like and dislike about their current plan. On the basis of this, you can provide them with the right coverage.

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

Frequently Asked Questions

Yes, it is mandatory for employers to provide health insurance for their employees in Abu Dhabi.

The activation process typically takes a few weeks, depending on the insurance provider and the complexity of your company’s health plan. It’s recommended to start the process early to ensure coverage is in place.

Yes, employees can easily add their dependents, including their wife and children, under the group health insurance plans in Abu Dhabi without paying an additional premium.

Group health insurance in Abu Dhabi typically covers inpatient and outpatient treatments, maternity benefits, emergency care, and pre-existing medical conditions, in line with regulatory guidelines.