What is a Group Medical Insurance?
A group, Medical Insurance policy is a medical coverage scheme
that provides coverage to a group of people. The coverage for
group medical insurance expenses is provided to all the group
members holding the policy and their dependent family members
like their spouses, children, and dependent parents. A group
medical insurance is provided by an organization, employer,
housing society, business groups, and banks. The policyholder,
i.e., the organization, is responsible for the cost of the
premium. Group medical insurance policies benefit employers as
they come at a discounted cost by picking group insurance over
individual insurances. A group insurance coverage is provided as
long as you are a part of the organization.
Understanding Group Medical Insurance
in Dubai
Dubai has witnessed astonishing growth from a small city to a
modern-day business and trade centre. Dubai holds a lot of
importance not just in the middle east but across the globe.
Today, Dubai is home to a luxurious metropolitan with every
multinational company headquartered in the heart of its city.
Dubai has grown tremendously in tourism, business, IT, Trading
markets, and healthcare. The Dubai Health Authority (DHA) makes
it mandatory for all businesses, business groups, companies,
banks, and more to issue group health insurance for its
employees. Issuing a group health insurance in Dubai ensures
protection against unforeseen medical expenses by employees and
their dependents.
Features of Group Medical Insurance in
Dubai
Having a health insurance policy is a mandate in Abu Dhabi. If
your employer fails to provide a health cover, you will have to
buy a private health care insurance policy. While the insurance
policies in Abu Dhabi are exorbitant, the health care offered is
excellent.
The features of group health insurance plans in Dubai are as
follows:
1.Group Health Insurance is issued only to the existing members
of an organization or association.
2.The eligibility to get a group health insurance policy for
your organization depends on the insurance provider.
3.The majority of the health insurance policies for groups are
valid for one year. The insurance plan is required to be renewed
after one year.
4.The coverage offered by the group insurance plans includes
essential medical treatments, medical prevention measures, or a
complete medical plan covering all health requirements up to a
limit.
5.The coverage of the group medical insurance plans depends on
various factors, including the size of the group, type of the
group, salary band of the policyholders, and their health
condition.
Even if the cost of medical insurance in Abu Dhabi is one of the
costliest in the world, their top medical facilities make it
worth every penny.
Benefits of Group Medical Insurance in
Dubai
The group medical insurance plans in Dubai come with a lot of
benefits. Just like each emirate in UAE, Dubai provides a
separate set of inclusions in their Cheapest health insurance in Abu dhabi policies.
- Cashless Hospitalization: Most of the health insurance
providers in Dubai provide cashless hospitalization that
ensures the policyholder gets direct billing in the network
hospitals.
- All Medical expenses: Most of the group insurance plans
offer coverage for pre and post-hospitalization expenses,
including the cost of medicines, surgery, and other medical
procedures.
- All in-patient services: Group health insurance plans in
Dubai cover daily hospitalization expenses, ambulance costs,
emergency accident coverage, surgical expenses, laboratory
expenses, and maternity services.
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