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Group medical insurance


Group medical insurance is a single health policy purchased by an organisation to protect a defined group of people—usually employees and, in many cases, their dependants. In the UAE’s highly competitive labour market, the product has become more than a legal requirement; it is a strategic tool to attract and retain talent while keeping workforce well-being—and therefore productivity—high.


The Central Bank–approved insurers that partner with InsuranceHub.ae offer flexible group medical insurance plans that comply with Dubai Health Authority (DHA) and Department of Health (DoH) rules and can also be extended across all seven emirates. Whether you run a start-up in Sharjah, a trading firm in Fujairah, or an Abu Dhabi free-zone company, you can customise group medical insurance coverage to include outpatient care, maternity, dental, optical, chronic‐condition management, wellness programmes and worldwide emergency cover.


Because premiums are pooled, the cost per member is usually lower than separate individual policies, yet the coverage tends to be richer. Add-ons such as tele-medicine, mental-health counselling and annual check-ups are increasingly popular as employers look to keep absenteeism down. Better still, the UAE’s corporate-income-tax regime treats premiums as an allowable business expense, improving cash-flow management for SMEs and large corporations alike.


Below is a snapshot of the three most common group medical insurance plans sold through InsuranceHub.ae Prices are indicative starting tiers per employee per year and assume a company size of 20–49 staff with standard Dubai network access.


Plan Name Core Benefits Geographic Network Typical Co-pay Starting Price (AED/person/year)
Essential Group Inpatient (AED 150,000 annual limit), outpatient GP, emergency, basic maternity UAE only 20% outpatient, capped at AED 50/visit 650
Balanced Group All Essential benefits plus specialist consultations, chronic disease cover, maternity up to AED 20,000, dental check-ups GCC & India 10% outpatient, 0% inpatient 1,200
Executive Group All Balanced benefits plus worldwide elective, optical, dental treatment, wellness check-ups, mental-health care Worldwide 0% direct billing 2,750

Why Group Medical Insurance?

By the end of this guide, you’ll have a clear understanding of group medical insurance and how it can help you make informed decisions about the best plan for your business and employees. Offering affordable health coverage is crucial for both attracting and retaining top talent.

Key points to consider:


  • Coverage for family members and pre-existing conditions – Make sure the plan meets all your employees’ needs.

  • Tax benefits – Group medical insurance may be tax-deductible depending on specific criteria. Consult your accountant or financial advisor to maximize deductions.

  • Types of treatments covered – Most plans provide coverage for medically necessary care related to illness or injury.

  • Alternative health treatments – Some plans include acupuncture, chiropractic care, and other complementary treatments.

  • Understanding plan details – Always read the coverage details carefully and ask questions about included treatments to make an informed choice.

  • Ultimately, group medical insurance ensures:


  • Access to quality medical care when needed

  • Financial support for a variety of treatments and procedures

  • Peace of mind for both employers and employees, helping them stay healthy, protected, and productive.

  • If you are searching for group medical insurance near me or need bespoke quotations, our licensed advisors compare quotes from more than 50 insurers in minutes. The result: a compliant, budget-friendly solution that can save up to 40% on renewal.


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