Union Health Insurance - Features & Benefits

By PolicyBazaar
  | Published: 08 August 2020 | Last Updated On: 25 May 2021

Don’t gamble with your health, get the right cover at the right price.

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Incorporated in the year 1998 with a paid capital of 330+ million, Union Insurance Company (UIC) has its corporate office in Dubai. This insurance company is licensed by the United Arab Emirates Insurance Authority & listed on the Abu Dhabi Securities Exchange.

UIC is well-known for offering a comprehensive range of retail as well as commercial insurance products to its potential clients across the United Arab Emirates & Middle East region. Not only this, but it is also one of the leading health insurance companies throughout the country. It offers flexible individual and group health insurance plans to its clients so that they can avail the best medical care treatment during a medical emergency. Backed by hard-working and experienced professionals in the insurance industry, the company offers innovative and tailor-made insurance coverage.  

Top Union Medical Insurance Plans in Dubai, UAE

Plan Name Annual Limit (AED) Network Price
Essential Benefits Plan 1,50,000 NextCare PCP -C Network
Sanad Plan 1,50,000 NextCare TPA -PCP & RN3 Network
Enhanced Individual Plans
Plan A 10,00,000 General Network Plus
Plan B 5,00,000 General Network
Plan C 2,00,000 Restricted Network
Plan D 2,00,000 Restricted Network 2
See More Plans >>>

Key Features & Benefits of Union Health Insurance Plans

Given below are the union health insurance plans along with their key features and benefits:

1. For Individual

Following are the Union Health insurance plans for an individual:

a). SANAD:

SANAD is a one of a kind individual health insurance plan that is mainly designed for dependents such as (parents, spouse, and child) who are holding Dubai VISA. This medical plan is a pre-underwritten health insurance scheme that does not require any sort of declaration from the customers of their medical history. Available at affordable premium rates, this union health insurance plan helps people to deal with the minimum requirement of health insurance as per the Dubai Health Authority. A policy seeker just needs to submit all the required documents to activate this medical insurance policy via the help of Emirates ID. Following are the key features and benefits of this health insurance plan:

  • Indemnity Limited: The maximum liability of the union health insurance company in respect of all the benefits & subject to the following sub-limit is AED 150,000 per person.
  • Scope of Coverage: The policyholder gets coverage in the United Arab Emirates (UAE). Moreover, the coverage is extended to South East Asia (SEA) only for inpatient treatments according to 100 percent UAE customary rates.
  • Competitive Rates: This union health insurance is available at competitive premium rates. Henceforth, the insurer helps people to deal with the minimum requirement of health insurance as per the Dubai Health Authority.
  • Network: The applicable networks are NextCare TPA – PCP & RN3 network. However, outpatient treatments at PCP clinics and IP treatments at RN3 hospitals.
  • Pre-existing & Chronic Conditions: Treatment for pre-existing and chronic conditions are excluded for the initial six months of 1st issuance membership with the contracted insurance company, included thereafter.
  • Best Customer Support: The union health insurance company offers round the clock customer support to its customers during a medical emergency.

b). Essential Benefits Plan (EBP)

The union health insurance company offers Essential Benefits Plan for housemaids and employees holding Dubai Visa and who are earning a monthly gross salary of AED 4000 or below than that. This union health insurance plan entitles an individual with a low salary band to get the basic medical insurance plan with an affordable rate of AED 525 (excluding VAT). Following are the key features and benefits of this health insurance plan:

  • Indemnity Limited: The maximum liability of the union health insurance company in respect of all the benefits & subject to the following sub-limit is AED 150,000 per person.
  • Scope of Coverage: The policyholder gets coverage in the United Arab Emirates (UAE). Moreover, the coverage is extended to South East Asia (SEA) only for inpatient treatments according to 100 percent UAE customary rates.
  • Network: The applicable networks are NextCare TPA – PCP & RN3 network. However, outpatient treatments at PCP clinics and IP treatments at RN3 hospitals.
  • Pre-existing & Chronic Conditions: Treatment for pre-existing and chronic conditions are excluded for the initial six months of 1st issuance membership with the contracted insurance company, included thereafter.
  • Best Customer Support: The union health insurance company offers round the clock customer support to its customers during a medical emergency.

2. For Corporate

Given below are health insurance plans for corporate offered by the Union Health insurance Company:

a). Small & Medium Enterprises

If someone owns small & medium enterprises with a few employees then the health issue with even a single employee may leave a huge impact on the organization’s health. Being an owner of the company, it is your liability to offer much-needed safety & secure your organization’s employees health against all unfortunate events. Thus, Union Health insurance Company offers this medical plan that is mainly designed to benefits the company with employee strength as minimum as 50. Following are the key features and benefits of this medical insurance plan:

  • Best Customer Support: The union health insurance company offers round the clock customer support to its customers during medical emergency.
  • Easy Claim Settlement: The claim process is easy and convenient since the team of professionals at UIC ensures that the claims of the insured are processed quickly in a hassle-free way.
  • Coverage: Union Health Insurance provider provides comprehensive coverage in order to secure the health of an individual.
  • Network: There is a huge network of hospitals across the UAE so that the individual can avail the best medical treatment at the desired hospital during a medical emergency. 

b). Corporate Plans

Union Health Insurance Company offers a customized health insurance policy that provides comprehensive coverage to the employees at affordable rates. The technical team of UIC will give a gap analysis in order to create a medical plan which will cover essentials as well as add-ons in order to provide your employees with superior coverage. Following are the key features and benefits of this medical insurance plan:

  • Best Customer Support: The union health insurance company offers round the clock customer support to its customers during a medical emergency.
  • Easy Claim Settlement: The claim process is easy and convenient since the team of professionals at UIC ensures that the claims of the insured are processed quickly in a hassle-free way.
  • Coverage: Union Health Insurance provider provides comprehensive coverage in order to secure the health of an individual.
  • Low Rates: Health insurance plans are available at competitive rates.

c). Essential Benefits Plan

The union health insurance company offers Essential Benefits Plan for housemaids and employees holding Dubai Visa and who are earning a monthly gross salary of AED 4000 or below than that. This union health insurance plan entitles an employer to offer a basic medical insurance plan for their staff at an affordable rate of AED 572. Following are the key features and benefits of this health insurance plan:

  • Indemnity Limited: The maximum liability of the union health insurance company in respect of all the benefits & subject to the following sub-limit is AED 150,000 per person.
  • Coverage: This medical insurance plan enables the employer to protect their workforce with comprehensive coverage at low premium rates.
  • Scope of Coverage: The policyholder gets coverage in the United Arab Emirates (UAE).
  • Pre-existing & Chronic Conditions: Treatment for pre-existing and chronic conditions are excluded for the initial six months of 1st issuance membership with the contracted insurance company, included thereafter.
  • Best Customer Support: The union health insurance company offers round the clock customer support to its customers during a medical emergency.
  • Network: The applicable networks are NextCare TPA – PCP & RN3 network. However, outpatient treatments at PCP clinics and IP treatments at RN3 hospitals.