Group Health Insurance
An affordable group health insurance for your employees and their families with reliable health coverage, improving well-being and for a happier workforce.
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What is Group Health Insurance?
Group health insurance in the UAE, also called corporate health insurance, covers medical expenses for the employee and their families in an organization. This type of insurance is usually offered by the employer, making it more affordable and delivering quality healthcare while reducing the financial burden on employees. It serves as a strategic tool for organizations to enhance employee satisfaction, improve retention, and promote overall well-being. Drafted under the supervision of UAE regulations, it is mandatory, and depending on the insure service providers, group health insurance plans can be tailored to employees' requirements.
Key Inclusions of Group Health Insurance
Wellness Programs
Includes preventive health checkups, fitness programs, and health screenings.
Dental & Vision Care
Provides coverage only for routine checkups and cleaning. Its insurance plans do not cover any complicated cases.Â
Maternity Benefits
Protects employees with prenatal care, childbirth, and postnatal medical expenses.
Hospitalization Coverage
Employees can access group health insurance coverage for medical expenses for hospital stays, including room charges, surgeries, and treatments.
Outpatient Treatment
Includes doctor consultations, diagnostic tests, and prescribed medications for non-hospitalized care.
Emergency Medical Treatment
Covers urgent care, ambulance services, and emergency procedures for employees or their families.
Pre-existing Condition Coverage
 Provides coverage for chronic illnesses or existing medical conditions as per policy terms.
Hospitalization Coverage
Employees can access group health insurance coverage for medical expenses for hospital stays, including room charges, surgeries, and treatments.
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Secure your business and your employees with our comprehensive Group Health Policy.
FAQs about Group Health cover
Some group health insurance plans may have waiting periods for pre-existing conditions or specialized treatments, typically ranging from a few months to a year. It’s important to review the policy details to understand specific waiting periods.
Yes, many group health insurance plans offer international coverage as an optional feature. This is particularly beneficial for employees who travel frequently or have families living abroad, ensuring they have access to medical care worldwide.
Group health insurance premium costs are typically shared between employers and employees. The employer usually covers a significant portion of the price, while the employee contributes a smaller amount through payroll deductions, depending on the plan.
Employees can easily make claims by presenting their insurance card to any healthcare provider within the insurance network. Most providers offer cashless services, meaning employees do not need to pay upfront for covered medical treatments.
Yes, many group health insurance plans allow employers to include dependents, such as spouses and children, under the employee’s coverage. This is one of the valuable group health insurance benefits that promotes family well-being and peace of mind.
Group health insurance in the UAE covers a range of services, including hospitalization, outpatient care, surgeries, diagnostic tests, prescriptions and medications. Optional coverage for maternity, dental, and optical services is also available based on the selected plan.
Employees benefit from comprehensive medical coverage, which includes hospitalization, outpatient care, prescription medication, and wellness programs. This coverage provides financial security during medical emergencies and ensures access to high-quality healthcare services.
Typically, all full-time employees of a company are eligible to enroll in group health insurance. Employers can also extend coverage to dependents, including spouses and children, depending on the chosen plan.
Group health insurance in the UAE is a company-provided health insurance plan that covers medical expenses for employees and their dependents. It ensures that employees have access to essential healthcare services, creating a more secure and productive workforce. It is also legally required in the UAE.
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