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The necessity of health insurance has been realised amidst the uncertainties of the pandemic and a rise in expenses related to medical services. Having a health insurance plan is beneficial in such cases, with easy and affordable access to top-tier medical infrastructure ensured by the plan in most cases. However, while everyone is aware of individual plans in the category, one can often come across the term group health insurance yet continue to remain unclear about its connotation.
Ideally, group health insurance safeguards a corporation against the medical expenses incurred by an employee. As per the Dubai Health Authority mandate, it is essential for all companies and institutions to cover their employees under unified health insurance. Besides covering a vast number of employees under one plan, the best feature of this type of insurance is that it can often be obtained without requiring any formal or detailed documentation from the employees.
If you are a part of an organisation and wish to comprehensively understand the group health insurance options in Dubai, the following write-up is just for you. Keep reading to know how you can avail of several benefits with a group health insurance plan in Dubai.
Designed to offer comprehensive insurance coverage to the employees of various organisations, group health insurance enables access to health insurance policies to the companies at low rates. One can note that the covered members gain insurance at a lower cost as the risk is unified across various policyholders. The benefit of such plans is that they help both employees and employers gain access to vital financial aid with the help of diverse premium and cover options.
These plans function in work two-ways - organisations get policy covers at lower rates than individual insurance covers for all while the documentation process is effortless for the insured. The key difference between group health insurance and general life insurance occurs in the form of the premium, which is paid by the company as per the laws laid down by the Dubai Health Authority. This premium is regulated either by the group size or by the last portfolio execution.
Listed below are some advantages of group health insurance for the companies:
The following aspects are examined when determining the amount of premium to be paid:
Following are some of the best group health insurance plans available in Dubai
|Group Health Plan (GHI) Name||Medical Cover||Maximum Pharmacy Limit||Network|
|Noor Takaful EBP -Nextcare||AED 150,000||AED 1,500||1015 Clinics, 2 Dental clinics, and others|
|ADNIC Shifa Bronze Opt - 4||AED 250,000||Not Applicable||468 Clinics, 276 Dental Clinics, etc|
|Daman Care Bronze DNE Without Dental||AED 500,000||AED 10,000||1309 Clinics, 191 Hospitals, and so on|
|Orient Insurance E-Med||AED 150,000||AED 1,500||1294 Clinics, 3 Dental Clinics, and others|
Several eligibility aspects are worth examining when applying for a Group Health Insurance Plan in the UAE. Elaborated below are some of the essential criteria to consider for your eligibility:
You can effortlessly apply for group health insurance either through our website or the website/branch of your preferred insurance company. Given below is the breakdown of how to apply for an insurance plan.
Several companies in the UAE are opting for traditional group health insurance plans to financially protect their employees against hazards and accidents. Generally, the premium is paid by the organisation and the rates are comparatively lower than individual health insurance plans taken for each member. Employees covered under such plans can take admission in any hospital in the network list and avail of the benefits like direct billing, cashless services, etc.
For companies seeking to attract the best talent, it should be noted that employees often prefer to work with companies offering group health insurance plans. This ensures that they would not have to wait for financial processes in case of medical emergencies. Consequently, having a group health insurance plan is necessary for securing the employees’ health while attracting new ones.
Q1: How to process insurance claims?
Ans: The procedure of getting the claims is quite straightforward. The insured can either choose direct billing if the treatment is carried out in a network hospital or ask for reimbursement for the costs incurred during the treatment. In case you are seeking treatment at a hospital not covered in the network, make sure to check if your availed services are covered under the policy.
Q2: Can family-run businesses choose group medical insurance to cover the employees?
Ans: Family-operated businesses can always opt for group health insurance. The plans will cover the company’s partners, employees, and their dependents.
Q3: Do group medical insurance plans include parents?
Ans: No. Generally, only individual insurance plans allow the option of including parents. Dependents under group health insurance usually include legal spouses and children.
Q4: What are the ways to pay a group insurance premium?
Ans: The premium can be paid off using bank transfer, credit card, or cheque.
Q5: Are already existing diseases covered under the insurance type?
Ans: Yes, already-existing illnesses are covered under the group health insurance plan as there is broadly no requirement for health check-ups by the employees during the issuance of the policy. However, if the group size is smaller than 20 employees, you would need to provide a medical declaration form for them and specify the pre-existing ailments.
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