Compare Group Health Insurance Plans | Empower Your Business
Group health insurance provides an insurance plan that covers your whole team, ensuring compliance, care, and continuity. Compare company health insurance plans with Lifecare International — we help you choose the best group health insurance to suit your needs.
Your employees are more than your workforce; they are your most valuable asset. Startups, SMEs, or even large corporations can acquire group health insurance.
Compliance with UAE law necessitates that companies of all sizes provide health insurance coverage to their workforce.
Compare Group Health Insurance Plans | Empower Your Business
Group health insurance provides an insurance plan that covers your whole team, ensuring compliance, care, and continuity. Compare company health insurance plans with Lifecare International — we help you choose the best group health insurance to suit your needs.
Your employees are more than your workforce; they are your most valuable asset. Startups, SMEs, or even large corporations can acquire group health insurance.
Compliance with UAE law necessitates that companies of all sizes provide health insurance coverage to their workforce.
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What is Group Health Insurance?
Group Health Insurance, also referred to as group medical insurance, is a health coverage plan provided by employers to a group of employees and sometimes their dependents. This insurance covers a wide range of medical expenses and can be split into categories for your business, if required.
Group medical insurance in Dubai typically covers:
- Hospitalization
- Outpatient care
- Maternity
- Vision
- Dental
and other medically necessary treatments.
The employer has to provide health insurance, which is mandatory in most Emirates, especially in Dubai and Abu Dhabi.
If you want group medical insurance for a small or large-scale business, it’s important to understand why enterprises require health insurance.
What is Group Health Insurance?
Group Health Insurance, also referred to as group medical insurance, is a health coverage plan provided by employers to a group of employees and sometimes their dependents. This insurance covers a wide range of medical expenses and can be split into categories for your business, if required.
Group medical insurance in Dubai typically covers:
- Hospitalization
- Outpatient care
- Maternity
- Vision
- Dental
and other medically necessary treatments.
The employer has to provide health insurance, which is mandatory in most Emirates, especially in Dubai and Abu Dhabi.
If you want group medical insurance for a small or large-scale business, it’s important to understand why enterprises require health insurance.
Why Businesses in the UAE Need Health Insurance
- Legal Compliance
Due to the legal requirement, all UAE employers must provide a health insurance plan for their employees. Non-compliance may result in substantial fines and complications with visa issuance.
- Attract & Retain Talent
Offering company health insurance helps you stay competitive in today’s job market. Talented professionals are more likely to choose and stay with employers who provide quality health and employee benefits. [Source]
- Boost Productivity
A healthy workforce is a productive workforce. Timely access to healthcare boosts productivity and significantly reduces absenteeism, giving your business a competitive edge. [Source]
Why Choose Group Health Insurance Over Individual Plans
A group medical insurance plan is often more cost-effective. It offers broader coverage and has reduced premiums per employee compared to an individual plan.
Benefits of Group Health Insurance
For Employers
- Regulatory Compliance: Meet DHA/HAAD mandates effortlessly.
- Employee Loyalty: Health benefits for a long-term commitment.
- Tax Benefits: Premiums may be deductible as business expenses, giving you tax benefits.
- Customizable Coverage: Tailor plans based on employee needs and budget.
For Employees
- Comprehensive Care: It typically includes GP visits, surgeries, and maternity care, depending on the plan. Employees benefit from broad-spectrum medical coverage.
- Financial Security: You only need to pay reduced out-of-pocket expenses and access high-quality healthcare.
- Peace of Mind: Employees and their respective families who are healthy and financially secure can perform at their best.
Coverage Options & Features Of Corporate Group Health Insurance
Lifecare International partners with group health insurance providers, including Bupa, Cigna, Allianz, AXA, and more, to offer a variety of customizable plans. Here’s what your team can get:
How Group Health Insurance Works
Understanding How Corporate Group Medical Insurance Works.
Employer vs. Employee Contributions
In most group health insurance plans, the employer fully or partially pays premiums. However, the exact contribution may vary depending on the plan and the company’s policy.
Claim Process & Reimbursement
Employees can opt for cashless treatment within the network or reimbursement for out-of-network services. Our team provides full support throughout the claims process for seamless handling.
Network Hospitals & Clinics
Top plans provide access to an extensive network of clinics and hospitals across the UAE. It includes premium and VIP facilities depending on the plan and coverage.
UAE Regulations on Group Health Insurance
Mandatory Coverage in Dubai & Abu Dhabi
Since medical insurance is mandatory, group health insurance ensures both legal compliance and financial medical protection for your employees in Dubai and Abu Dhabi.
- Dubai: The Dubai Health Authority (DHA) mandates employers to provide minimum essential coverage.
- Abu Dhabi: Under HAAD (now DOH), employers must insure employees and their dependents.
DHA & HAAD Requirements
- Basic benefits must include inpatient and outpatient services. It also sometimes gives maternity care and emergency treatment.
- Employers are also required to cover dependents in certain Emirates.
Compliance for SMEs & Corporates
Whether you employ five or five hundred, we ensure your plan meets legal requirements and is properly documented for visa processing and audits.
Choosing the Right Group Health Insurance Plan
Key Factors to Consider
- Cost: Balance premium costs with the breadth of coverage.
- Business Requirements: Consider international or local options depending on travel frequency.
- Coverage Depth: Look for inpatient, outpatient, maternity, and add-ons.
- Provider Network: Ensure a wide network of DHA-licensed facilities.
- Flexibility: Add or remove members, upgrade plans, or include dependents as needed.
Compare Top Insurance Providers
We help you compare plans from:
- Bupa: Known for international coverage and wellness benefits.
- Cigna: Strong local network and comprehensive global coverage.
- Allianz: Great for expat-heavy teams needing international care
- AXA & MetLife: Cost-effective solutions with customizable features.
- And many more! We work with over 50 providers in the market.
How We Can Help
As an independent insurance broker, we assess your needs and empower you to make informed decisions. Lifecare International chooses what works best for their clients’ needs. Our certified Relationship Managers listen to your needs and compare the large number of plans available from our insured partners.
We remain impartial in all dealings and provide end-to-end services for businesses of every size.
Tailored Solutions
An expert insurance professional will sit with you and discuss your needs. After thoroughly analysing the team size, the needs, and the budget, the expert will devise a custom policy with the right provider.
We are impartial, as shown in the three decades of providing comparative insurance brokerage services in the UAE.
Streamlined Enrollment
Our team, backed by decades of local industry expertise and formal insurance qualifications, ensures efficient onboarding and compliance with UAE regulations.
Claims Support
We assist with documentation. We manage all submission and follow-up processes on your behalf. A special and dedicated Relationship Manager is with you to ensure you get faster claim processing with minimal hassle.
Ongoing Management
At Lifecare International, we don’t just assist with the initial documentation — we offer full, ongoing support. Our comprehensive insurance management service ensures your team’s coverage is always up to date.
Whether you need to add new employees, update dependents, or even switch providers to upgrade or downgrade your plan, we’ve got you covered.
Lifecare International handles the ongoing insurance management so you don’t have to.
Exclusive Benefits
You can expect additional benefits with Lifecare International, including our highly sought-after CURA Program. This proactive health and wellbeing solution gives you access to a wide range of services, from nutritionists and certified coaches, to therapy sessions and global crisis evacuations. .
During COVID-19, our popular telehealth services enabled remote consultations, reducing hospital visits and enhancing access to care. Telehealth remains in demand today, helping reduce unnecessary hospital visits and lowering consultation costs.
For CURA Flex plan holders, we also offer essential emotional support. Mental health support is now an integral component of holistic employee wellness, and with Lifecare, you get a plan that embraces these important, exclusive benefits.
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Frequently Asked Questions (FAQs)
1. Who is eligible for group health insurance?
All full-time employees under a valid UAE residency visa are eligible. Some plans also allow coverage for part-time staff or contractors.
2. Can employees add dependents?
Yes. Most plans allow employees to add spouses. They also include children and parents for an additional premium.
3. What happens when an employee leaves the company?
Coverage typically ends on the employee’s last working day or when their visa gets cancelled. You will find that some insurers offer continuation options or extensions.
4. Is group insurance cheaper than individual plans?
Generally, yes. Group policies offer economies of scale. This means that you will often get better coverage at lower premiums.
5. Can we switch insurance providers later?
Absolutely. We help businesses evaluate performance annually and switch plans or providers as needed.
Get a Custom Quote Today
Are you launching a new team, or are you on a mission to expand your workforce? Selecting a group health insurance plan in Dubai is not just important — it’s a legal requirement.
With Lifecare International, you can explore a range of comparative plans that may suit your team’s overall health insurance needs.
Understand your coverage requirements and the premiums involved before making a selection. We help you choose the right group health insurance to safeguard your medical needs. This way, you’ll stay on track to comply with local laws and build a stronger business with proper healthcare facilities available to your employees.
Ready to secure the most suitable group health insurance plan in the UAE!
