Find the Best Group Health Insurance in Dubai

Features of Group Health Insurance Plans

Some of the most interesting features associated with group health insurance plans in UAE include the following:

- Both the employer and the employee get covered under the group health insurance plans.

- Group medical insurance plans are easily one of the most diverse and versatile insurance products available in the UAE market at the moment. There is a unique product that caters to each customer's needs. It has products suitable for specific industries at a plethora of price points.

- The purpose of group health insurance plans is to insure the members of the organization. That being said, the insurance is issued to existing organizations only. When a group of people decides to create an organization solely for the purpose of purchasing and benefiting from group health insurance plans the insurance companies might consider such organizations as not meeting the required criteria.

- To avail a group health insurance plan the organization requires a minimum employee strength. The minimum employee strength requirements changes from one insurance company to another.

- Group health insurance plans in Dubai and across UAE are issued for a period of one year. At the end of the policy year, the enterprise can renew the same. Please note, employees of the organization are not part of the renewable process.

- Certain businesses buy basic group health insurance plans to meet the mandatory requirements in Dubai and across UAE. On the other hand, other businesses offer their employees a comprehensive group health insurance policy that will cover all their medical needs.

- The premium for group health insurance plans is based on many factors such as age, salary, gender, type, industry, and so on.

Group Health Insurance Eligibility Criteria

There are eligibility criteria for businesses, employees, and spouses when it comes to group health insurance. Only if the eligibility criteria are met, the stakeholders can enjoy group health insurance to its fullest.

Organization Eligibility Criteria

To be eligible for group health insurance the business must be a legal entity that has valid registrations at appropriate authorities in Dubai and across UAE. The business should have a minimum number of employees working under its operation (it depends on one insurance provider to another) to be considered eligible to buy group health insurance policies.

Employees Eligibility Criteria

The employee must have a valid visa, he/she should be a full-time employee, listed in the company payroll, and registered in the ministry of labor list.

Dependents Eligibility Criteria

The dependents should be sponsored by the employee. Legal dependents are covered under the policy.

How to File a Claim for Group Health Insurance in Dubai?

There are two types of group health insurance claim process that the employee can use, the first one being a cashless claim process and the other being the reimbursement claim mechanism.

• Cashless Claim Process

  Under the cashless claim process the employee can get himself/herself admitted to one of the network hospitals. He/she can avail of treatment free of cost and the insurance companies pay the hospital for your treatment. It is always advised to get treatment in a network hospital unless it is an emergency. At the time of hospitalization, the employee can submit the emirates id or health card to avail of this benefit.

• Reimbursement Claim Process

  The reimbursement process is used by employees in the case of non-network hospitals. The employee needs to inform the organization about the treatment through the HR department. After the treatment, the employee is requested to submit all the bills and treatment details along with the reimbursement form to the authorized insurance company/TPAs through appropriate channels.

  If you do not know of the same contact the HR department they will guide you through the process. The insurance company will do the necessary investigation on the authenticity and the validity of the documents submitted by the employee. Once they are satisfied with the application they will reimburse the claim amount to the employee bank account.

Reimbursement Claim Process

There are many factors that affect the premium of the policy, some of the most common factors that affect the policy include the following:

• Age, Gender, Marital Status, Salary band, Nationality
• Strength of the organization
• The number of employees covered under the plan
• Last year's claims
• Coverage offered by the plan to every employee
• Coverage offered by the plan to every employee