+

Group Health Insurance

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.

 

phone icon

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.

Enquire

Other employee benefits policies

Group Health Insurance for SMEs

Group medical cover for small businesses in the UAE, from three employees, compared across the insurers who actually want small groups.

Learn More

Group Health Insurance for Mid and Large Corporates

Corporate medical cover for larger UAE employers: tiered benefits, claims-led renewals, reporting and cover that crosses borders.

Learn More

Group Life Insurance

Group life cover for UAE employers: a lump sum to an employee’s family, arranged as a multiple of salary across leading insurers.

Learn More

Group Disability and Accident

Group personal accident and disability cover for UAE employers, paying lump sums and replacing income when someone cannot work.

Learn More

Pension and Retirement Planning

Workplace savings and end of service funding for UAE employers, so a long service liability is set aside rather than carried.

Learn More

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.