Group Health Insurance
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What is a Group Health Insurance?
According to UAE laws, it is mandatory for employers to provide health insurance coverage for their employees. This coverage helps the employees and their families to meet the cost of hospitalization and medical treatments.
Who Needs Corporate Health Insurance Policy?
Group health insurance is essential for businesses in the UAE. The two UAE Emirates with mandatory health insurance laws are Abu Dhabi and Dubai. Employers must provide a minimum level of health insurance for employees in UAE. Many companies extend this facility to the dependent family members of employees.
Importance of Corporate Health Insurance in UAE
Group Health Insurance is mandatory for every business. According to UAE laws, the employer must cover all employees without deducting the premium amount from their salaries. If the employer does not cover the employees’ dependent family members, then it is the responsibility of the concerned individual to cover the dependents. The laws impose strict penalties on businesses, employees, and sponsors for non-compliance with the mandatory provisions.
Benefits of Offering Health Insurance for Employees in UAE
Inclusion of Family Members
Most group medical insurance plans extend the coverage to the employees’ dependent family members
No Medical Examination
Unlike individual plans, the group insurance policies offered by corporates do not require any medical screening. The paperwork is minimal, with very few formalities.
No Waiting Period
This is one of the primary advantages of group health coverage. Employees are eligible for health insurance as soon as they join the organization. There is zero waiting period and It depends on the plan you have.
Cashless Claim Benefit
A group health insurance policy enables the employees to avail of treatments in any of the network hospitals without the need to pay from their pockets. The medical bills are settled directly by the insurer with the hospital. Depending on whether or not an insurance payment is involved.
Comprehensive Coverage
Group health plans cover everything from routine medical checkups to surgical treatments. So, insurance for employees in UAE helps them mitigate their financial burden in emergency situations.
Employee Retention Tool
Offering group health plans is a highly effective tool for employers to attract and retain talent in their organizations
Features of Group Health Insurance in UAE
It is mandatory for employers to provide basic health coverage for all their employees. But businesses can choose to offer comprehensive coverage in addition to the basic requirement.
Group health plans provide insurance coverage to large groups at affordable premiums.
The policy provides health insurance coverage to both employers and employees.
A group mediclaim policy is very versatile and can be designed to meet the requirements of different organizations.
Group health insurance plans are issued for a period of one year and must be renewed annually by the employers.
Only the existing organizations can purchase group health insurance. So a group cannot be formed solely for the purpose of buying health insurance for its members.
The insurance companies may specify a minimum employee strength for businesses to purchase group health plans. This number varies across insurers.
The premium for a group health insurance plan depends on factors such as average age, income levels, industry type, etc., for the organization.
Inclusions of Group Health Insurance
A group health insurance plan includes the following services:
- Pre and post-hospitalization expenses, including the cost of medical consultations, diagnostic procedures, treatments, hospital fees, and the cost of medicines
- Fees paid to the physicians and specialist surgeons in respect of medical treatments
- Outpatient services, including the cost of clinical investigations, doctor’s consultations, medicines, vaccinations, daycare procedures, and minor surgeries
- Maternity services are also covered under group medical insurance.
Exclusions of Group Health Insurance
The typical exclusions of group health insurance plans are listed below.
- Self-inflicted injuries and expenses related to suicide
- Expenses incurred on medical treatments received outside UAE.
- A group mediclaim policy does not cover any kind of medical treatment received at home.
- Infertility treatments, gender change surgeries, obesity treatments, and cosmetic procedures
- Expenses related to the intake of proteins, vitamins, and other health supplements that are not part of any medical treatment
Eligibility & Required Documentation for Group Health Insurance
For Business Organizations
The business must be a legal entity that is duly registered with the appropriate authorities in the UAE. The insurance companies specify the minimum number of employees that a business should have to get group health coverage.
For Employees
Every employee must possess a valid visa to work in the UAE. It must be full-time employment. The employees must be on the company’s payroll and registered with the Ministry of Labor.
For Dependents
Only legal dependents are covered under group health insurance. Such dependents must be sponsored by the employees.
Documents Required for Group Medical Insurance
The documents required to be submitted by the employees to get group health insurance coverage are given below.
Valid Passport with Residence Visa
Emirates ID
Proof of Address
Proof of Marriage (to cover a spouse)
Proof of Enrollment (to cover dependent children)
Factors Affecting the Cost of Group Health Insurance
Number of employees to be covered under the group health plan
Amount of insurance coverage for every employee
Number of dependent family members of the employees
Personal details of the employees, such as age, gender, marital status, and income
Total claims made in the previous year
Frequently Asked Questions On Group Medical Insurance
Medical insurance for employees in UAE is mandatory under the law. The organization may choose to extend the coverage to the dependent family members of employees. If the employer does not cover the dependents, then their sponsor must arrange for their health insurance.
The term ‘dependents’ refers to your legal spouse and dependent children on your sponsorship. Your parents cannot be included as dependents in the group health insurance plan.
Add-on covers help you customize the plan to your needs and provide you with enhanced coverage. The various add-on covers available with group medical insurance are dental treatments, eyecare, wellness services, alternative treatments, and global coverage.
No. One of the biggest benefits of group health insurance plans is that it is not mandatory for employees to undergo medical examinations.
Yes. The pre-existing diseases are covered under group health insurance UAE. Check with the insurance provider about the specific requirements.
You can avail of cashless claim benefits if you choose a hospital from the insurer’s network. But if you choose a non-network hospital, you will have to first pay the medical bill and later claim reimbursement from the insurance company.
Disclaimer: The Group health insurance policy or plan may have limitations, exclusions, and other terms and conditions that may affect coverage. It is important to carefully review the policy wording before making any decision. The information contained in this article is gathered from sources deemed to be reliable & trustworthy.