Group Health Insurance Dubai: Buy Group Medical Insurance Plans Online in UAE

What is Group Health Insurance?

A group medical insurance policy covers all eligible employees of your company or organisation under a single policy. It works just like an individual health policy, except that the employer pays premiums while employees get financial coverage for their medical treatments.

This type of coverage is beneficial for employees as well as for employers. It’s a cost-efficient option for employers to ensure their employees’ well-being. For employees, this means peace of mind. With a comprehensive policy, they can be covered not only for standard treatments but also for maternity, dental treatments, mental health, and more.

UAE’s Mandatory Health Insurance Law in 2025

Starting from January 1, 2025, health insurance is now mandatory across all emirates in the UAE. Earlier, this was applicable only in Dubai and Abu Dhabi. However, now employers and sponsors, even in the northern emirates, must do the same.

For employers, this means it’s now their own responsibility to provide health coverage to their workforce. They can, depending on requirements and regulations, also extend this to their employees’ dependents — spouse, children, and so on.

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How Does Group Health Insurance Work in the UAE?

Here’s how group health insurance in Dubai and other emirates works —

For Employees

Automatic enrollment: After hiring, all eligible employees are immediately covered under their company’s group health policy.
Easy claims: After seeking medical treatment, an employee can file a claim just like with an individual plan. The claim is usually routed through the employer. Once approved, their treatment is covered as per the plan’s terms.
Comprehensive benefits: Group medical insurance in UAE covers various treatments and services. The list includes outpatient and inpatient treatments, diagnostics, maternity, ambulance, emergency accidents, and more.
Option to add family: While not all companies have this, some employers may allow you to include your children and spouse in the plan. It’s important to connect with your company’s HR department for further details.

For Employers

Mandatory coverage requirement: In the UAE, companies must provide health coverage for their employees.
Selection of a policy: Employers select the best group health insurance policy from a trusted insurer. The plan should fulfil business needs as well as employees’ requirements.
Premium: The employer has to pay the full cost of a group health plan. Note that they cannot deduct the costs from an employee’s salary.

Why Should You Buy Group Health Insurance Through Policybazaar.ae?

Policybazaar.ae is a trusted name in the UAE’s insurance landscape. With us, you can find the best group health medical insurance plans that match your specific requirements. Here are some reasons to choose us —

⭐Partnered with UAE’s Top Insurers

You can find a variety of insurance plans from the top insurers in one place. This way, you can actually choose the one that fulfils your organisation’s needs.

⭐Affordable Corporate Medical Insurance

By comparing plans from different insurers, you can find the most affordable group health insurance options without compromising on coverage.

⭐Dedicated Customer Support

Our team of experts can help you understand various policies and advise you on the most suitable plan.

⭐Instant Policy Issuance

We offer a straightforward online process to buy a policy. In just a few clicks, you can easily get the right policy without much hassle.

Benefits of Group Medical Insurance for Employers & Employees

Offering group medical insurance in uae is one of the best ways to ensure your employees' well-being and enhance your company’s overall productivity. Both employers and employees benefit from group insurance health plan plan in numerous ways:

Benefits for Employers

Attract and Retain Top Talent: Offering a competitive plan can retain more employees as they like to stay with a company that invests in their well-being.
Tax Benefits: Employers can often enjoy tax deductions for providing group health medical insurance, making it a cost-effective way to support employees.
Reduced Absenteeism: Employees with access to healthcare services can seek medical treatment sooner, reducing absenteeism due to untreated conditions.
Boost Employee Morale: When employees feel that their health is valued, they are more likely to be motivated and productive.
Shows Legal and Social Responsibility: Providing a policy is also a legal and social obligation for many employers and strengthens the company’s reputation.

Benefits for Employees

Coverage without Costs: Employees don’t need to pay any premium as it is covered by the employers. This makes it a more affordable option.
Coverage for Chronic Conditions: Many group insurance health plans cover pre-existing conditions, which are often excluded in individual policies.
Comprehensive Coverage: Employees can access a wide range of services, including hospitalisation, surgeries, maternity care, and even outpatient services, depending on the plan.
Family Coverage: In many cases, employees can extend coverage to their spouses and children, ensuring that their loved ones are also protected.

Who Can Buy Group Health Coverage in the UAE?

Group medical insurance is a vital component of employee benefits in the UAE. Irrespective of size and business operations, it is mandatory for all employers to ensure their workforce is accessible to basic healthcare services.

With that said, here are a few points to keep in mind while getting comprehensive group insurance for employees —

Minimum Number of Employees: In many regions, such as the UAE, employers must have a minimum number of employees to qualify for group health insurance. The specific number may vary by insurer.
Employee Eligibility: Typically, employees must be full-time and listed on the company payroll to be eligible for coverage.
Dependents: Some plans allow employees to include their family members as dependents under the same policy, though this often comes with an additional cost.

How Much Does Group Health Insurance Cost?

The group health insurance rates vary depending on several factors, including -

Number of Employees: The more employees covered, the lower the premium per person, as the risk is spread across a larger pool.
Level of Coverage: Plans offering more comprehensive coverage (like maternity care, advanced treatments, or international coverage) tend to cost more.
Insurer and Plan Type: Different insurers offer varying rates, and the cost may differ depending on the type of plan chosen (basic vs. comprehensive coverage).
Location: Health insurance for employers rates can differ depending on the country or region, with some locations like the UAE having specific regulations and pricing structures.

For employer group health insurance, the cost can be mitigated further through shared premiums.

In some cases, cheap group health insurance plans are available for smaller businesses looking to keep costs low while still providing their employees with essential coverage.

Group Medical Insurance in UAE — What is Covered and What’s Not?

Here are the major inclusions and exclusions of group health coverage —

✅ What’s Covered

Doctor consultations

Room rent & ICU charges

Pre and post-hospitalisation

Pre-existing conditions

Emergency ambulance services

Tests and diagnostics

❌ What’s Not Covered

Cosmetic surgeries

Suicide attempt or self-harm

Alcohol and drug-abuse treatments

IVF or fertility treatment

Injuries or health risks due to participation in illegal activities

Group Health Insurance Add-Ons

A standard group health medical insurance plan offers the same coverage to all employees. However, if the employer wishes, they can extend this coverage with optional benefits, known as add-ons or riders.

Some of the most common add-ons include —

Maternity cover
Dental treatment
Optical care
Mental health services
Worldwide coverage
Physiotherapy and more

Note

In some cases, the add-ons mentioned above may already be included in the standard policy. If not, they can always be added separately to enhance the coverage by the employer.
The list above includes general add-ons. Actual riders may vary as per the plan.

Eligibility Criteria to Buy Group Medical Insurance UAE?

For group health insurance coverage, both the employer and employee may need to meet certain eligibility criteria —

Employers	Employees
Must be a legally registered business in the UAE Must meet the minimum employee requirement by the insurer (you can buy a policy even with as few as 1–2 employees)	Only full-time employees are eligible Must be listed on the official payroll and the Ministry of Labour list Must hold a valid work visa issued by the employer

Documents Required to Buy Group Health Medical Insurance

Here are some documents commonly required to buy standard corporate medical insurance in Dubai and other emirates —

Trade licence
Key shareholder’s identity proof (Emirates ID and more)
Employee registration proof
Company establishment proof
Memorandum of association, and more

✍️ Employees also need to submit the following documents to get group medical coverage in the UAE -

Emirates ID
Valid passport
Residence visa
Address proof
Marriage proof (to cover spouse, if applicable)
Enrollment proof (to cover children and dependents, if applicable)

Factors Affecting the Group Health Insurance Cost

Numerous factors influence group medical insurance premiums in the UAE. Let’s understand the major ones below —

Size and Age of the Group

This is one of the most important factors. Generally, organisations with a larger workforce and a lower average employee age are likely to pay lower premiums.

Employment Type

Companies involved in high-risk operations often face higher premiums. Industries like healthcare, aviation, construction, and fieldwork carry higher risks, while administrative or desk jobs are typically low-risk. The higher the risk, the higher the premiums.

Type of Group Medical Insurance

Different insurers provide various types of group health coverage, ranging from basic to comprehensive.

A policy that covers only the employee usually costs less, while a comprehensive plan that allows employees to include their family members typically comes with a higher premium. Similarly, a plan that provides only basic coverage may cost less than a policy providing extra benefits like psychiatric treatment, physiotherapy, and more.

Sum Insured

This is another key factor affecting group health plan premiums. Policies with higher sum insured generally come with higher premiums, while those with lower coverage are more affordable.

Customisation or Add-Ons

Group health medical insurance with add-on benefits usually costs more. If you choose extensive coverage under a standard plan or customise it to meet employees’ specific needs, the premium will increase accordingly. The more coverage you add, the higher the cost of the policy.

How to Buy for Group Health Insurance in UAE?

Are you ready to secure group insurance for employees? Visit platforms like Policybazaar.ae to explore various plans, compare premiums, and find the best solution tailored to your company's needs.

On the homepage, navigate to the 'Business Insurance' section.

Select 'Group Health Insurance' to begin the application process.

Complete the provided lead form with your company details and requirements.

After submitting the form, our representative will contact you to discuss your needs and help you choose the best plan.

Policybazaar.ae ensures you get the best health insurance for employers tailored to your company's unique needs. If you have any questions, you can also reach out directly to us via WhatsApp, phone, or email for further assistance.

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Group Health Medical Insurance Claim Process in the UAE

Find below the process of filing a claim for corporate health insurance in UAE —

For Direct Billing

Employees can simply show their insurance card at the hospital. After they pay the deductibles and any other charges, the insurer can cover the remaining costs through cashless or direct billing.

For Reimbursement Claims

Inform the insurance company to file a claim — insurers now have apps or online platforms for the same
Submit the required documents, such as your identity proof, medical reports, hospitalisation bill, and more
Submit the group medical coverage claim, which will be reviewed by the insurer
Once your claim is approved, you will get the reimbursement amount (as per the policy terms)

Things to Consider While Buying Group Health Coverage for Employees

Choosing the right group health insurance plans can be a daunting task, but to keep the process smooth, keep the following factors in mind -

Verify the Insurance Provider’s Legitimacy: Ensure the insurance broker is a registered provider in the UAE, complying with all local regulations.
Coverage Range: Ensure the plan provides comprehensive coverage, including hospitalisation, outpatient care, maternity, and dental.
Consider Your Employees' Needs: Make sure the insurance provider factors in —
- Company size: Tailor coverage to the scale of your business.
- Employee demographics: Age, gender balance, salary levels, and any existing health conditions.
Premiums: Compare premiums and assess what benefits are included at each cost level.
Network Hospitals: Check the list of network hospitals where employees can access cashless services.
Claims Process: Evaluate the ease and efficiency of the claims process to ensure timely reimbursement or cashless treatment.
Specialisation Matters: Choose an insurance broker that specialises in corporate health policies like Policybazaar.ae.

FAQs About Group Medical Insurance

Yes, it’s mandatory for employers to provide group health insurance in Dubai and all other emirates. This ensures each employee can access necessary healthcare without stressing about the costs.

The minimum employee requirement for group health medical insurance in UAE depends on the insurer’s policy. Some plans may cover startups with 2 or 3 employees, while others may require at least 10-20 employees.

No, it’s not possible to convert group health coverage into an individual plan. If you want more comprehensive coverage, you can get an individual health policy.

There’s usually no waiting period for corporate health insurance. However, if you change organisations without a Certificate of Continuity (COC), a waiting period may apply.

Individual medical insurance covers only one person and is purchased directly by them. Group health insurance, on the other hand, is typically purchased by employers for their employees. The latter is more affordable.

No, employees cannot control group medical coverage. These policies are chosen and customised by employers at the time of purchase, offering standard benefits equally to all employees within the company.

Group medical insurance covers an employee’s medical expenses without requiring them to pay the premium. It provides access to necessary inpatient and outpatient treatments. Many plans also extend coverage to family members, ensuring complete financial protection during medical emergencies.

Employers are responsible for buying group health medical coverage for their employees in the UAE.

Yes, most of the group plans in the UAE cover pre-existing medical conditions of employees without a waiting period.

No, group health plans usually don’t require employees to undergo medical examinations.