Group Life Insurance Policy for Employees
In the UAE, a group life insurance policy for employees is a crucial part of an employer’s benefits package. It ensures financial security for employees and their families in case of an unfortunate event such as death, disability, or critical illness. Many leading insurance providers in the UAE ...read more
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What is Group Life Insurance?
Group Life Insurance UAE is a single policy that covers multiple employees under one plan, typically provided by an employer. The policy pays a lump sum to the insured employee’s beneficiaries in case of their death or disability.
Key Features
- Employer-sponsored coverage at an affordable cost
- Financial security for employees’ families
- 24/7 global coverage
- Additional benefits such as accidental death, disability, and critical illness cover
Top Insurance Providers for Group Life Insurance in the UAE
Here are the top providers of group life insurance policies for employees to help you compare and find the one suitable for your needs —
1.) Abu Dhabi National Insurance Company (ADNIC)
Established in 1972, ADNIC is one of the UAE’s most trusted insurance providers. Offering comprehensive corporate and personal insurance solutions, it is regulated by the Central Bank of the UAE and listed on the Abu Dhabi Securities Exchange (ADX).
Key Benefits
| Benefit Type | Coverage |
|---|---|
| Basic Life Cover | Lump sum payout in case of death due to any cause |
| Accidental Death & Dismemberment | Extra payout for accidental death or permanent disability |
| Critical Illness Cover | Lump sum payment if diagnosed with a critical illness |
| Repatriation Expenses | Covers the cost of transporting mortal remains to the home country |
2.) MetLife UAE
MetLife offers cost-effective group life insurance to protect employees and their families from financial hardships due to death, critical illness, or disability. With 65+ years of experience, it serves businesses across the UAE, Bahrain, Kuwait, Oman, and Qatar.
Key Coverages
- Loss of Life – Financial payout to beneficiaries
- Accidental Death – Additional coverage for fatal accidents
- Critical Illness – Lump sum for major illnesses
- Disability Coverage – Compensation for temporary or permanent disabilities
Plan Options
MetLife’s flexible plans help businesses ensure financial security for employees while enhancing workplace benefits.
1️⃣ Basic Life Cover: Coverage based on salary, job title, or a fixed amount
2️⃣ Supplementary Benefits: Add-ons like accidental death, critical illness, and disability cover
3.) Sukoon Insurance
Founded in 1975, Sukoon is one of the largest insurers in the UAE. It offers a wide range of corporate insurance plans, which includes Group Life Insurance.
Key Benefits
| Benefit Type | Coverage |
|---|---|
| Death Cover | Lump sum payout to the employee’s beneficiary |
| Accidental Death | Extra compensation for accidental death |
| Medical Expenses for Accidents | Covers hospital bills after an accident |
| Critical Illness Cover | Payment for life-threatening illnesses |
| Repatriation Expenses | Covers transportation of mortal remains |
4.) Al Sagr Insurance
Founded in 1979, Al Sagr provides business-focused insurance solutions and is a well-known provider of life, medical, and general insurance in the UAE.
Key Benefits
- Death cover for employees – Payout to dependents
- Accidental Death Benefit – Extra financial support for families
- Disability Benefits – Covers permanent and temporary disabilities
- Medical Expense Reimbursement – Compensation for accident-related medical bills
- Loan Protection – Covers outstanding loans in case of death
5.) Al Buhaira National Insurance Company (ABNIC)
Founded in 1978, ABNIC is a leading group life insurance provider in the UAE. It offers group life plans as part of its business insurance solutions to protect employees and enhance workplace benefits.
Key Benefits
| Benefit Type | Coverage |
|---|---|
| Death Cover | Lump sum payout to beneficiaries |
| Disability Cover | Benefits for temporary and permanent disabilities |
| Medical Expenses | Covers hospitalisation costs due to accidents |
| Critical Illness Cover | Lump sum payment for major illnesses |
| Repatriation Expenses | Covers expenses for transporting remains home |
6.) Union Insurance
Established in 1998, Union Insurance offers a variety of cost-effective and flexible group life insurance policies tailored for UAE businesses.
Key Benefits
- Death Cover – Financial protection for employees’ families
- Accidental Death & Disability Cover – Additional payout for accidental injuries
- Critical Illness Cover – Lump sum support for major illnesses
- Medical Expense Cover – Reimbursement for accident-related medical bills
- Repatriation Expenses – Covers transportation of mortal remains
7.) Al Ain Ahlia Insurance
With nearly 50 years of experience, Al Ain Ahlia is known for reliable and affordable insurance solutions across the UAE.
Key Benefits
| Benefit Type | Coverage |
|---|---|
| Death Cover | Lump sum payout for death due to any cause |
| Accidental Death & Dismemberment | Compensation for accidental death or disability |
| Critical Illness Cover | Payment for life-threatening diseases |
| Medical Expense Cover | Reimbursement of hospitalisation costs |
| Repatriation Expenses | Covers the cost of sending mortal remains to home country |
8.) Zurich Middle East
Zurich has been in the insurance industry for over 150 years across the world. It provides high-quality corporate life insurance solutions in the UAE.
Key Benefits
- Lump sum payout for employee’s death
- Income protection for temporary disability
- Permanent Total and Partial Disability Cover
- Critical Illness Cover
- Accidental Death and Dismemberment Benefit
9.) National Life & General Insurance (NLGIC)
NLGIC, founded in 1995, is a major insurance provider in Oman, Kuwait, and the UAE. Specialising in corporate and retail insurance solutions, it offers group life insurance policy for employees.
Key Benefits
| Benefit Type | Coverage |
|---|---|
| Death Cover | Financial support for beneficiaries |
| Terminal Illness Cover | Lump sum if diagnosed with a terminal illness |
| Accidental Death Benefit | Additional payout for accidental death |
| Medical Expense Cover | Covers hospitalisation expenses |
| Repatriation Expenses | Covers transportation of mortal remains |
10.) Orient Insurance
Part of the Al-Futtaim Group, Orient Insurance has been serving the UAE market since 1982. The company offers a range of business insurance solutions, including group life insurance policies, that provide extensive coverage.
Key Benefits
- Lump sum payout for death due to any cause
- Coverage for accident-related medical expenses
- Permanent and Temporary Disability Cover
- Double Accidental Death Benefit
- Repatriation of Mortal Remains
Final Thoughts
Purchasing a Group Life Insurance policy for employees is a smart investment for businesses in the UAE. It enhances employee satisfaction, provides financial protection, and fosters loyalty in the workforce. Whether you’re running a small business or a large corporation, choosing the right insurance provider ensures your employees receive the best coverage at an affordable cost.
With multiple top-tier providers in the market, finding the perfect plan for your workforce has never been easier.
Frequently Asked Questions
Q1. Is group life insurance mandatory for employees in the UAE?
No, but many employers offer group life insurance UAE as part of their employee benefits package to attract and retain talent.
Q2. What is the difference between individual and group life insurance?
Individual life insurance is owned by the individual, requires higher premiums, and often requires medical tests. Group life insurance, meanwhile, is owned by the employer, has lower premiums due to risk-sharing, and usually does not require medical tests up to a certain coverage limit.
Q3. Can employees customise their coverage?
Some providers allow employees to increase coverage or add riders like critical illness or accidental death benefits at an additional cost.
Q4. How much does group life insurance cost?
Costs vary as per the policy features, the number of employees, the coverage amount, and other factors. Employers can negotiate affordable premiums for large groups.
Q5. What happens if an employee leaves the company?
Coverage ends, although some companies may allow employees to convert to an individual policy.
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