Our Network Partners

Next Care
MedNet
Nas
Aafiya
Max Health
Almadhalla

Benefits of Getting a Group Health Insurance

Ease of Use

With our customized Group medical insurance plan your employes get coverage process is smother without any need of medical test and complication

Employee Retention & Satisfaction

Offering Group health medical insurance can help health satisfaction

Cost Effective to Employee

It's generally more affordable for individuals as the risk is spread across a group of insured people. This often results in lower premiums compared to individual insurance plans.

Additional Benefits

With every group health Insurance every employee gets additional benefits like better coverage, coverage for dependents,cover on pre existing conditions etc

Mandatory

UAE Makes Health Insurance Compulsory for Every Resident, Demanding Employers and Visa Sponsors to Provide Minimum Coverage to Employees and Sponsored Persons

Group insurance Coverage

Standard Coverage Standard set of benefits that covers basic needs such as hospitalization, outpatient care, maternity benefits, and sometimes dental and eye care.

Coverage for Dependents Some group health insurance plans also offer the option to cover employees' dependents, providing peace of mind for the whole family.

Pre-existing Conditions Unlike many individual plans, group health insurance often covers pre-existing conditions, providing valuable protection to employees.

You take care of your Employees, We would take care of

Complex paper works & Compliance

Hassle Free Claim Insurance

Getting the best Insurance Plans

GROUP HEALTH INSURANCE PLANS


Rising medical costs and new nationwide regulations mean that every company operating in the Emirates now needs a reliable group health insurance solution. Whether you run a small start-up in Dubai Internet City or oversee hundreds of technicians in an industrial free zone, a compliant plan is no longer optional. Below we unpack the essentials of group cover, explain how it differs from individual policies, and outline practical steps to choose the right package for your workforce


Group Private Medical Insurance fujairah

What Is Group Health Insurance?

Group health insurance (sometimes called employer group health insurance) is a single medical policy purchased by a company or organisation to cover a defined set of members – typically full-time employees and, in many cases, their eligible dependants. Premiums are paid by the employer, partially or fully, and benefits are enjoyed collectively


Why UAE Employers Cannot Ignore It


  • Legal requirement: Since 2025, Federal Decree-Law No. 48 makes employer-funded health cover mandatory across all seven emirates. Fines range from AED 100 to AED 20,000 per uninsured employee, and new residence visas are blocked until proof of insurance is shown.

  • Talent magnet: According to PwC’s 2024 GCC Workforce Survey, 63% of professionals list “comprehensive medical cover” as a top three reason to join or stay with a company in the UAE.

  • Tax efficiency: Premiums are fully deductible as a business expense, improving cash-flow management.

  • Economies of scale: Insurers spread risk over the entire group, resulting in lower per-person premiums compared with standalone individual plans.


    • Group vs. Individual Cover — The Key Differences

    Feature Group Health Insurance Individual Health Insurance
    Sponsor Employer Policyholder (self)
    Underwriting Usually “no-medical-questions” bulk underwriting Full medical underwriting; pre-existing conditions may trigger loadings or exclusions
    Waiting periods Often waived for chronic illnesses and maternity Typical waits 6–24 months for maternity and some illnesses
    Portability Tied to employment; coverage ends on exit unless converted Fully portable between jobs
    Cost efficiency Cheaper per member (up to 30–40% lower) Higher, especially for older staff/dependants

    Typical Inclusions


  • In-patient and day-patient hospitalisation (private or semi-private room)

  • Out-patient GP and specialist consultations

  • Laboratory tests, X-rays, MRI/CT scans

  • Emergency ambulance and ER treatment anywhere in the UAE

  • Maternity and newborn care

  • Chronic disease management (diabetes, hypertension etc.)

  • Prescription medication within policy limits

    • Many insurers also bundle vision, dental, wellness screenings and employee assistance programmes (EAP) at competitive incremental premiums.


    How Pricing Works


    Insurers evaluate five main factors:


  • Group size – More members generally lower the average premium.

  • Demographics – Age, gender mix and nationality influence expected claims.

  • Occupation risk – Office staff typically attract lower rates than field technicians or construction workers.

  • Geographic cover – UAE-only networks cost less than GCC or worldwide options.

  • Historical claims – Mature schemes with low loss ratios receive renewal discounts.

    • Quick guideline: For a mixed workforce aged 25–45, Dubai-only private network plans start around AED 1,200–1,400 per employee per year, while nationwide, premium worldwide packages can exceed AED 6,000.


    At-a-Glance Comparison of Popular UAE Group Plans


    Plan Name Core Benefits Network Tier Maternity Limit Annual Overall Limit Starting Premium*
    Essential Benefits Plan (EBP-Group) In-patient & ER, limited out-patient, chronic meds UAE basic network AED 7,000 AED 150,000 AED 950
    Standard Silver Private room, out-patient specialists, dental cleaning, wellness UAE wide AED 10,000 AED 250,000 AED 1,750
    Gold Executive Private room, physio, optical, worldwide emergency, EAP UAE + GCC AED 15,000 AED 500,000 AED 2,950
    Platinum Global VIP suite, dental & orthodontics, US elective cover, annual check-up Worldwide AED 20,000 AED 2 million AED 6,200

    How Insurancehub.ae Simplifies the Process


  • Compare proposals from 50+ UAE-licensed insurers in a single dashboard

  • Receive expert, impartial advice on network strength, exclusions and pricing

  • Finalise your plan in a secure three-step online journey – quote, customise, buy

  • Enjoy online claim assistance and dedicated corporate support after purchase.


    • Popular Tags: Group health insurance | Group health insurance dubai | Group health insurance uae | Health insurance UAE | Health insurance Dubai

    Endnote

    Group Health Insurance is not just Mandatory, it’s a necessity for you & your employees

    Talk to our Advisor