More than the cheapest compliant plan.
In the UAE you have to insure your staff. Most employers stop there, buy the cheapest compliant plan, and find out what that decision cost them at the exit interview.
Salary gets you shortlisted. The package is where two similar offers stop looking similar, and it is the part of the offer you can improve without moving anyone up a grade.
We place group cover with established regional and international insurers, including GIG Gulf, Sukoon, Orient, Bupa Global, Cigna and Allianz Care. Placing the cover takes a week. Running it takes the year, and the running is the part we are built for.
Employee Benefits
The legal floor, and the benefit your people judge you on. Cover is usually tiered by grade, with wider networks and higher limits further up. We build the tiers so the plan reads as fair and the renewal stays defensible.
Pays a multiple of salary to an employee's family if they die, and it costs far less than most employers assume. It can include terminal illness and repatriation benefits, with cover set flat for everyone or scaled by salary.
Covers the harder situation, where someone survives but cannot work. Cover applies to accidents at work, at home or in transit, with benefits for permanent or temporary disability alongside accidental death.
Deals with the end of service promise you have already made. Gratuity is a liability that grows with every salary review; funding it properly turns an accounting line into a benefit your people can actually see.
Small group or large, the market treats you differently
Below roughly 50 employees, you are choosing from insurers who genuinely target small groups. Above that threshold, your own claims history begins driving your premium, making renewals a negotiation over your actual data rather than an off-the-shelf rate card. We work both ends of that market every day.
The part nobody puts in the brochure
Joiners and leavers every month. Dependants added mid-term. Medical cards that have not arrived. A claim the insurer has queried and nobody has chased. This is the real experience of owning a benefits plan, and it is where most brokers go missing once the policy is placed.
Your advisor handles the insurer so your HR team can handle your people.
Why work with Continental
Around 1000 businesses place their insurance through Continental, so the renewal conversation starts from data rather than guesswork. Each year we take your plan's actual usage back to the market. The admin (joiners, leavers, cards, stalled claims) sits with us instead of your HR team. One advisor owns your account, and after 30 years in this market we know which insurers pay claims the way they promise to.
Why choose Continental?
A network of qualified professionals
We see ourselves as your guide through the world of financial planning. Our job is to help you explore your options and find solutions that fit your goals.
Our team of 250+ professionals works across the Middle East, Europe and Asia. We're here to offer you clear, impartial advice—always putting your interests first, backed by years of experience and a commitment to service.
We keep learning, researching and embracing new technology so we can stay ahead—and help you get where you want to go.
Multifaceted solutions
Your financial security comes first. Whether you're looking out for your family, supporting your clients or planning your next move, we're here with the guidance and resources to help you reach your goals.
We work with trusted partners, both local and international, to bring you a wide range of financial and insurance solutions. Our promise: dedicated, personalised service—every step of the way.
A personalised approach
For us, relationships come first—in business and in life. We build trust and back it up with a skilled, experienced team.
We tailor our advice to fit your goals, risk comfort, timeline and cash needs. Whether you want to minimise risk, preserve wealth, grow your income or build capital, we'll find solutions that work for you.
Confidentiality, trust and discretion are at the heart of what we do. That's why clients choose us.
Get in touch with the expert advisers at Continental
Tell us how many people you employ, what you cover today and what you keep getting asked for. Your advisor prices the programme across leading insurers, shows you what each option actually buys, and takes the administration off your team.
For help building or reviewing your employee benefits programme, talk to us today.
FAQs
Things people ask first.
1. Do we have to provide health insurance for our employees?
In Dubai, employers are required to provide health cover for their staff under Law No. 11 of 2013, and Abu Dhabi has its own employer mandate. Dependants are usually a separate question, and the answer depends on the emirate and on your own policy. We will tell you exactly what applies to your company and where you have a choice.
2. How many employees do we need before we can get group cover?
Fewer than most people expect. Some insurers write groups from as few as three employees, though the choice of insurer narrows at that size and so does the room to negotiate. Below three, individual plans are usually the better answer and we will say so.
3. Can we give different levels of cover to different staff?
Yes, and most companies above a certain size do. Cover is usually tiered by grade, with wider networks and higher limits further up. The rules have to be objective and applied consistently, which is worth designing properly at the start rather than defending later.
4. What happens at renewal?
We start well before the date, review how the plan was actually used, and take the renewal back to the market rather than accepting the first number. For larger groups your claims history is the main lever, so the earlier we have the data the better the outcome.
5. Do you handle the administration, or do we?
We do. Additions, deletions, card chasing, claims that stall, queries your team does not have time to make. That is the daily work of the account, and it is included rather than charged for.
Take Control of your financial future
Speak to one of our expert advisors to discover solutions that could suit your unique financial profile and goals.
