The benefit your staff use most, and the one they judge you on.
Group health insurance is where most UAE employers meet their legal obligation, and where most of them stop thinking about it. That is a shame, because it is the only benefit your staff touch regularly. They meet it at a clinic reception on a bad afternoon, and whatever happens next shapes how they talk about working for you.
We place group medical cover across leading insurers, including AXA Gulf, SUKOON, Orient, BUPA International, Cigna and Allianz Worldwide Care. We read the network lists, the limits and the exclusions before you commit, and we service the plan through the year rather than reappearing at renewal.
What decides whether a plan is any good
Three things, and the premium is not one of them. The network decides which hospitals and clinics will treat your people without an argument. The limits decide how far outpatient care, medication, maternity and dental actually stretch. And the handling of pre-existing conditions decides whether the cover means anything to the members who need it most. A cheap plan with a thin network is not a saving, it is a complaint you have not received yet.
Find the page that matches your headcount
Small and large groups are bought differently, priced differently and renewed differently, so we have written them separately.
Group health insurance for SMEs covers teams from three employees upward: which insurers want your business at that size, what standard terms include, and how to avoid the first renewal catching you out.
Group health insurance for mid and large corporates covers what changes once your claims history drives your price: tiered cover by grade, renewal negotiation, reporting, wellness and cover that follows staff across borders.
What sits around it
Medical cover pays hospitals. It does not pay a family after a death, or replace an income after an accident. Group life and group disability and accident handle those, usually for a fraction of what employers expect, and they are simpler to add alongside a medical renewal than to arrange on their own later.
Get in touch with the expert advisers at Continental
Send us your headcount and your current schedule of benefits. Your advisor compares group medical plans across leading insurers, flags what your existing cover quietly leaves out, and gives you a straight recommendation.
For help arranging or reviewing group health insurance, talk to us today.
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.
Other employee benefits policies
Group Life Insurance
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.
Group Disability & Personal Accident
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.
Pension & Retirement Planning
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.
FAQ
1. Is group health insurance required by law in the UAE?
Dubai employers must provide health cover for their employees under Law No. 11 of 2013, and Abu Dhabi operates its own mandate. The detail of what counts as compliant, and who carries responsibility for dependants, is worth checking against your own situation rather than assuming.
2. How is the premium calculated?
For smaller groups, mainly on the age profile of your members, your industry and the plan you choose. For larger groups, your own claims experience becomes the dominant factor. That is why the two sit on different pages and follow different strategies.
3. Are employees’ families included?
Only if you choose to include them. Many employers cover the employee and offer dependants at the employee’s cost through the company plan, which is usually cheaper for the member than arranging cover alone. It is a decision worth pricing rather than defaulting.
4. What happens to cover when someone leaves?
Cover ends on their last day under the company plan, and the visa position matters here too. We handle the deletion and, if the leaver asks, we can arrange an individual plan so there is no gap in their medical history.
