An employer health insurance policy is a master contract covering every worker under a single premium account. Beyond legal compliance it positions your organisation as an employer of choice.
Benefits:
- Group-rated savings: Pooled risk can slash premiums by 15–30%.
- Customisable tiers: Offer executives premium worldwide cover while keeping entry-level staff on EBP.
- Seamless onboarding & off-boarding: Add or delete members online within minutes through InsuranceHub’s insurer portal.
- Dedicated account manager & 24/7 claims desk: Cuts HR admin time and speeds approvals.
Typical Coverage:
- Inpatient & outpatient care, prescribed meds, diagnostics, maternity, emergency ambulance.
- Optional riders: dental, optical, wellness screenings, mental-health sessions.
Do Employers Need to Provide Health Insurance?
For companies operating in the UAE, this is a critical question. Since healthcare coverage for employees is a fundamental necessity, the answer is a clear YES. Employers are legally obligated to provide
health insurance for their workforce, ensuring compliance with UAE labor laws.
Status Regarding the Employer Health Insurance in UAE
Employer health insurance in the UAE is not optional—it is mandatory. Government regulations require every employer to offer valid health insurance to their employees, allowing them access to medical services whenever needed.
This mandate applies to businesses of all sizes, from multinational corporations to SMEs. Even small companies are required to provide small employer health insurance plans that meet the essential coverage criteria.
Requirements for Employer-Paid Health Insurance
There is a minimum requirement for which employers must meet in the employer group health
insurance offer. These are:
Basic Coverage:
The coverage should attain the minimum standards the local
authority requires concerning health.
Cost Sharing:
Employees pay for the cover mainly, and the employers partly or
wholly pay for it.
Provision with Time:
The employees are covered from the date of employment, so
they do not get legal penalties.
At Insurancehub.ae, we provide businesses with identifying plans that fall within budget
yet meet such regulations.
Why Should You Opt for Employer Health Insurance?
Beyond being a legal requirement, employer-
group health insurance is a strategic investment in your workforce. Comprehensive health packages not only safeguard employee well-being but also make your company more attractive to top talent. In short, it’s a benefit that strengthens both your team and your business.
Key Reasons Companies in the UAE Adopt Employer Health Insurance:
✅
Stay compliant: Avoid penalties of up to AED 500 per uninsured employee.
✅
Be a competitive employer: Comprehensive insurance benefits position you as a preferred workplace.
✅
Boost morale: Employees feel secure knowing their health coverage is employer-paid.
✅
Improve retention: Health benefits reduce turnover and foster long-term loyalty.
✅
Reduce absenteeism: DHA data show insured staff record 20% fewer sick days.
✅
Enhance talent attraction: Mercer’s 2024 GCC survey revealed 64% of employees would switch jobs for better medical benefits.
Start Your Journey to Be a Good Employer Today!
Safeguard your workers and maintain your company as per the recent UAE-compliant
regulations. Work with
Insurancehub.ae to determine the best fit for employer health
insurance in your company. Contact us today for a healthier workplace!
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