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

What is Group Health Insurance?

Unlike individual insurance plans, group health insurance for employees extends benefits to the workforce as a collective. Coverage is typically extended to employees, their spouses, children, and in some cases, other dependents.

This makes group insurance a preferred option for businesses looking to offer comprehensive healthcare to their employees while keeping costs manageable.

The main differences between group health insurance and individual health insurance are:

Coverage: Group plans offer coverage for a group of people, while individual plans are tailored to a single person or family.
Cost: Group health insurance tends to be cheaper because the risk is spread across more people.
Customisation: Individual health insurance plans offer more flexibility and customisation, while group plans tend to be more standardised.
Eligibility: Group plans are available to employees only, while individual plans can be purchased by anyone.

Read about this difference in more detail to get a better understanding of Group Health Insurance and Individual Insurance.

How Group Medical Insurance Works?

The process starts with the companies looking for suitable plans and ends with every employee of the company being insured from Day 1.

It usually involves the following steps -

Employer Chooses a Plan: The employer selects the best group health insurance plan from a suitable insurer that suits the needs of the business and its employees.
Employee Participation: Employees are given the option to enrol in the plan. Typically, a certain percentage of the employees need to participate for the plan to be valid. The required participation rate depends on your company size.
Premium Sharing: Employers provide the basic group insurance health to the employees without deducting any premium from their salary. The dependents also get covered in some areas. However, if the dependents are more than a specific limit, employees may have to pay for their coverage insurance.
Coverage for Dependents: In many cases, employees can extend the coverage to their spouses, children, or other dependents for an additional cost.

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

Policybazaar.ae ensures that you get the best group health insurance plans that suit both your budget and health needs, with the convenience of a simple online process.

Instant Issuance

Personalised expert advice

Guaranteed low prices

Customer satisfaction

Here are some reasons on why you should apply the group health coverage with us:

Policybazaar.ae provides access to multiple providers, offering a variety of group health insurance plans tailored to meet the needs of your employees or organisation.
By comparing plans from different insurers, you can find the most affordable group health insurance options without compromising on coverage.
The platform makes it easy to compare premiums, benefits, and coverage features of different plans, enabling you to make an informed decision quickly and efficiently.
Our team of experts can help you understand the various policies, advising on the most suitable plan based on your company’s needs and helping you navigate complex insurance terms.
The online process for purchasing group health insurance is straightforward. You can request quotes, get recommendations, and finalise your policy all in one place, saving time and effort.

Benefits of Group Health Insurance for Employers & Employees

Offering group medical insurance 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 Insurance?

When considering a medical insurance groups plan, it’s important to be aware of certain regulations and eligibility requirements -

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 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.

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

Here’s what your group health coverage includes and what is not covered -

Inclusions	Exclusions
Room rent, ICU charges, and doctors’ fees during hospitalisation	Elective surgeries or cosmetic surgeries
Medical consultations, tests, and medications (in specific plans)	Suicide attempts or self-harm
Treatment for Pre-existing conditions	Treatment for alcohol or drug abuse
Maternity and newborn care, including C-section and normal deliveries	Costs related to IVF or fertility treatments
Emergency ambulance services	Routine dental or optical care

Top Group Health Insurance Providers in UAE

Group health insurance in Dubai and other Emirates is mandatory for employers with a certain number of employees. Companies must comply with local regulations, which include providing basic health coverage to all employees, regardless of nationality.

Leading insurers in the UAE offering group health plans include -

Sukoon Takaful Insurance
Al Buhaira National Insurance
Union Insurance
RAK Business Insurance
Abu Dhabi National Takaful Business Insurance
Al Ain Ahlia Business Insurance

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Eligibility Criteria to Apply for a Group Health Insurance UAE

When considering this insurance, both employers and employees must meet specific eligibility requirements -

Employer Eligibility

Criteria	Description
Registration	Must be a legally registered business in the UAE
Minimum Employee Count	Varies by Emirate and insurance provider

Employee Eligibility

Criteria	Description
Employment	Only full-time employees are eligible
Labour Registration	Must be listed on official payroll and registered
Documentation	Must hold a valid work visa issued by the employer

How to Apply 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 options 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.

Buy Group Health Insurance From Policybazaar.ae!

Documents Required to Apply for Group Medical Insurance

To apply for group health coverage in the UAE, businesses need to submit certain documents to the insurance provider. These typically include -

Trade Licence to prove that the company is legally registered
Key shareholder’s EID, Passport, and Visa Copy for identity verification
KYC (Know Your Customer), required for company verification
Proof of employee registration with the Ministry of Labor
If applicable, the VAT registration certificate
Memorandum of Association / Articles of Association
Establishment Card, issued by the Department of Economic Development

Important Points to Remember While Purchasing Group Health Insurance 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.

Frequently Asked Questions

Health insurance groups plans are available to full-time employees of a company, and in many cases, their eligible dependents, such as spouses and children, can also be covered.

Employers, from startups to large corporations, should purchase group health medical insurance to provide comprehensive coverage for employees, improve retention, and foster a healthier, more productive workforce.

Yes, offering group medical insurance significantly enhances company culture by prioritising employee well-being. It fosters a positive work environment where employees feel valued and cared for. This, in turn, boosts employee loyalty.

The minimum number of employees required for group health medical insurance varies depending on the insurer and the region. In the UAE, most insurance providers typically require at least 10 employees to qualify for a group policy or as few as 3-5 employees for startups or smaller businesses.

No, there’s no waiting period of corporate health insurance. However, if you change organisations without COC (Certificate of Continuity), then there might be a chance you will have to wait for a certain period of time.

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