Getting Health Insurance Packages for Small Businesses
How do I get health insurance for my small business?” is one of the most common questions employers ask. Here’s a simple process:
- Identify the healthcare requirements of your employees along with your financial capacity.
- Compare different business health insurance plans to find one that balances affordability and comprehensive coverage.
- Choose the plan that provides the best value for money for both your company and employees.
In addition, offering employee health insurance may qualify you for small business health insurance tax deductions. This can reduce your taxable income, making it financially feasible to provide inclusive medical coverage. To maximize this benefit in Dubai, it’s always wise to consult with a tax advisor.
Key Benefits of Health Insurance Packages for Small Business
Affordability:
Group health plans typically offer lower premiums per employee, helping small businesses manage costs more efficiently compared to individual policies.
Regulatory Compliance:
With insurancehub.ae, businesses can easily secure plans that adhere to both federal and Dubai Health Authority (DHA) mandates, supporting hassle-free visa issuance and legal compliance.
Enhanced Productivity:
Employees are more likely to stay engaged and productive when they know quality healthcare is accessible.
Tax Efficiency:
Premiums paid for qualifying policies can be set against taxable profits, offering significant savings for the business.
Competitive Edge:
Comprehensive medical benefits boost a company’s attractiveness in the job market—a vital factor in the UAE’s dynamic environment.
Coverage Details for SME Health Insurance
Most health insurance packages for small business in the UAE come in three main tiers:
Basic (EBP Compliant):
Satisfies legal minimums, with coverage typically up to AED 150,000 per year, basic outpatient and inpatient care, and DHA approval.
Enhanced:
Expands coverage to additional network hospitals, higher annual limits (often AED 500,000+), and options for maternity, dental, and optical benefits.
Comprehensive:
Provides global coverage, specialist access, wellness programs, chronic care, and VIP-level services. These plans may include little to no co-pays for core services.
Comparison Table: SME Health Insurance Packages (Indicative Pricing 2025)
| Plan Type
| Annual Limit
| Network Size (UAE)
| Avg. Premium per Employee (5–20 staff)
| Key Benefits
|
|---|
| Basic EBP Starter
| AED 150,000
| 600+
| AED 675
| DHA Compliant, 30% co-pay
|
| Enhanced Flex
| AED 500,000
| 1,200+
| AED 1,250
| Dental, maternity, 20% co-pay
|
| Comprehensive Global
| AED 1 million
| 2,000+
| AED 2,400
| Wellness, no co-pay, telemed
|
Eligibility Criteria
Business Size:
Group health policies are designed for companies with 2–100 employees holding valid UAE residence visas.
Required Documentation:
Mainland or free zone trade licence, employee passport copies, Emirates IDs/visa details, and proof of salary/inclusion on payroll.
Medical Declarations:
Larger groups (10+ employees) often benefit from simplified underwriting, where medical histories are generally not required.
insurancehub.ae offers a streamlined digital onboarding process and fast turnarounds, with most plans active within 48 hours of submitting documents.
Best Small Business Health Insurance Plans
Selecting the right plan can feel overwhelming. That’s where insurancehub.ae makes the process simple. We work with leading insurance providers in the UAE to give you access to multiple options. Our experts provide free consultations to help you choose the plan that fits your business requirements and budget.
Small Business Health Insurance Quote
TThe first step towards covering your employees is obtaining a small business health insurance quote. At insurancehub.ae, we make this process quick and hassle-free. Simply fill out our online quote form, and our specialists will contact you with tailored offers that suit your company’s needs and costs.
Why UAE SMEs Trust insurancehub.ae?
Wide Market Reach: Compare offers from 50+ insurers—Daman, GIG Gulf, Sukoon, Orient, and more—all in one place.
Better Value: Leverage
insurancehub.ae’s smart comparison platform to save up to 40% on premium costs.
Expert Guidance: Professional consultants explain details like waiting periods and network scope in easy-to-understand terms.
Efficient Admin Tools: Enjoy dashboards to track usage, manage claims, and access key reports.
Effortless Renewals: Automated alerts and an online system make renewals smooth and stress-free.
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