Elevate Employee Health with Group Medical Insurance
What is Group Medical Insurance?
Your employees are the heart of your business, and adequate healthcare coverage is critical to its success. We bring you with best group medical insurance available, and it makes sure that you and your employees get the care they need, whenever they need it, regardless of your company model.
Whether you are a small, medium-sized, or big organization, Group Medical Insurance Policies offer tailor-made insurance plans for your employees and qualified dependents. As a leading insurance provider, Colemont believe in providing you with a range of world-class medical insurance solutions that provide comprehensive local and worldwide coverage, value-added services, and market-leading customer care, allowing you to focus on operating your company while we safeguard you with best insurance available.
Considerable Points
Organization with < 100 Employees
We bring best group medical insurance policies that provide you and your workers with the best medical coverage both in the UAE and abroad. We also provide you the option of adding advantages to your coverage.
Organization with > 100 Employees
We bring best group medical insurance that provides an uncomplicated plan with wider range of choices– that have a clearly defined set of benefits, you just choose the best meets your needs. It is ideal, easy, quick, and meets your specific benefit requirements.
FAQs About Group Medical Insurance In UAE
Is group health insurance mandatory in the UAE?
Yes, effective January 1, 2025, it is mandatory for all employers across all seven Emirates to provide health insurance coverage for their employees.
What is the minimum employee for group insurance?
Technically, you can start a “Small Business” group plan with as few as 2 employees. However, for standard “Group” rates (which are often cheaper than individual plans), many insurers prefer a minimum of 5 to 10 employees.
Can we switch providers mid-year?
Yes, companies can switch providers at any time. However, you will likely lose any premium already paid (no pro-rated refund) for the current year. Most companies wait until their annual renewal date to switch to avoid this financial loss.
Are pre-existing conditions covered?
Yes, by law, all compliant policies must cover pre-existing conditions. However, for new group plans (especially small ones), there is often a 6-month waiting period before coverage for these specific conditions begins, unless you pay extra for a “Medical History Disregarded” (MHD) waiver.
What happens to group insurance coverage when an employee leaves the company?
Coverage typically ends on the date of visa cancellation or the last working day. In Dubai, the law requires coverage to remain active for 30 days after visa cancellation (the “grace period”) to ensure the employee has time to secure new coverage or leave the country.
How can I buy a group insurance plan for my company?
You need to provide a copy of your Trade License and a “Census List” (a simple Excel sheet listing employees’ ages, genders, and salaries) to an insurance broker or insurer. They will then generate a quote based on your group’s demographics.
What is difference between group medical and group life insurance?
Group Medical Insurance covers the cost of healthcare (doctors, hospitals, medicine) for employees when they are sick or injured while Group Life Insurance pays a lump sum of money (death benefit) to an employee’s family if the employee dies (due to any cause) while employed by you.
How to check group medical insurance online in UAE?
You can check your status using your Emirates ID.
(i) For Dubai: Use the DHA (Dubai Health Authority) website or app.
(ii) For Abu Dhabi: Use the Daman or TAMM website.
(iii) General: Most insurers have websites or mobile apps where you can log in with your Emirates ID to view your active policy card.
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