Cheap health insurance for companies
Keeping premiums lean is possible without sacrificing legal compliance. The strategy: mix Essential Benefits Plans for low-risk staff with add-on riders only where needed.
Individual and Group Health Insurance
Individual health insurance in the UAE offers robust, customizable benefits—but it typically costs more than group plans, which many companies prefer for cost efficiency. Since January 1, 2025, health insurance has become mandatory for all private-sector employees and domestic workers across every emirate, with “Basic Health Insurance” packages now in place nationwide
Employers are legally required to provide coverage only for employees; dependent coverage remains the responsibility of the individual sponsor, except in Abu Dhabi, where employers must also cover spouses and up to three children
Cost-saving levers
Restricted networks –
limit access to DubaiCare or Neuron Basic providers.
Higher copays –
25 % outpatient, capped at AED 150 improves cash flow.
Aggregate annual limits –
a shared corporate pool rather than per-member caps.
Wellness credit –
insurers offer up to 5 % renewal discount for staff who complete health screenings.
Sample budget options (20 employees)
| Insurer
| Plan
| Annual Premium per Employee
|
|---|
| Orient
| EBP DubaiCare
| AED 725
|
| Sukoon
| Smart Health Economy
| AED 880
|
| Dubai Insurance
| Essential Network
| AED 710
|
| Takaful Emarat
| Shifa Basic
| AED 690
|
Economic Strategy in Health Insurance
To make coverage more accessible, efforts are underway to provide affordable health insurance policies to companies in the UAE. This move aligns with the UAE's economic strategy and aims to improve healthcare affordability and awareness. Leading industry experts and the
top 5 health insurance companies in UAE often recommend the
EBP for individuals earning below AED 4,000 monthly.
At
InsuranceHub.ae, we offer multiple cost-effective options for corporate health insurance plans. Understanding the financial situations of employees, our basic group insurance packages start at just AED 650 to AED 725 annually. These plans include:
- Consultation with general physicians
- Specialist referrals
- Selected surgical procedures
- Laboratory tests and diagnostics
- Regular health check-ups
- Emergency treatments
- Maternity and medication coverage
Limitations in Cheapest Health Insurance
While the cheapest health insurance packages are ideal for budget-conscious employers, they come with pre-set guidelines. Many diagnostic services, elective surgeries, or non-urgent treatments require prior approval from the
health insurance companies near meto be eligible for coverage. Additionally, the
Essential Benefits Plan (EBP)has a maximum coverage limit of AED 150,000 per year.
Choosing from the
best health insurance companies in UAE ensures a balance between affordability and quality. If you're a business owner or HR professional looking to optimize your employee healthcare plans, visit our popular page on the
Health insurance in UAE to learn more.
Choosing cheap
health insurance for companies in the UAE helps businesses save costs while ensuring employees receive quality healthcare. The right plan balances affordability with essential coverage, keeping both employers and staff protected
