Group Health Insurance

Yes. In emirates like Dubai and Abu Dhabi, employers are required to provide health insurance for employees as per local health authority regulations.

Employees working under a valid UAE residence visa are eligible. Employers can also choose to include dependents such as spouses and children.

Coverage usually includes:

• In-patient hospitalization

• Out-patient consultations

• Emergency treatment

• Prescription medicines

• Diagnostic tests

• Maternity benefits (plan-dependent)

Yes. Group health insurance is available for SMEs, startups, and companies with as few as 3–5 employees, depending on the insurer.

Yes. Employers may include employees’ spouses and children, either fully or partially sponsored.

Minimum coverage varies by emirate and regulatory authority (DHA, DOH, MOH). We ensure your policy meets all mandatory legal requirements.

The cost depends on factors such as:

• Number of employees

• Age profile

• Coverage benefits

• Network hospitals

• Emirate of visa issuance

Our advisors help you find cost-effective plans within your budget.

Pre-existing conditions may be covered, subject to waiting periods, policy limits, and insurer terms.

Yes, employees can visit healthcare providers within the approved network specified in the policy.

Coverage usually ends when employment is terminated. Some insurers allow conversion to an individual policy, subject to terms.

Typical benefits include inpatient & outpatient care, emergency treatment, prescription medicines, maternity coverage, preventive health checkups, dental & optical care (optional), chronic disease management, and rehabilitation services.

Optional enhancements are add-ons to a standard insurance policy that provide extra coverage, such as dental & optical care, maternity, roadside assistance, personal accident cover, or higher claim limits. They let you customize your policy to suit your needs.

Group health insurance premiums depend on the number of employees, coverage level, age profile, plan type (basic or enhanced), optional add-ons, and the insurer. Employers usually pay a fixed rate per employee per year, which can vary widely based on the benefits included.

You need at least one employee other than the owner to qualify to get group health insurance for your employee or employees.

Mandatory requirement - As part of their efforts to create an integrated healthcare system in the UAE, the health authorities (DHA & HAAD) have mandated all companies to have a valid insurance policy that covers their employees’ medical expenses.
For visa stamping purposes - In HAAD & DHA, all employers and individual sponsors insuring their employees, domestic help or dependents must provide medical insurance. Failure to do so will result in complications with visa issuance and will be penalized for the same. The law ensures that only those with a valid insurance card can proceed with visa stamping.
To cover the medical expenses – Group health insurance provided by employers helps pay for employees’ health treatments. It can help cover services ranging from routine doctor visits to major medical costs and covers many preventive services to keep you healthy.