Group Medical Insurance in the UAE

Group medical insurance in the UAE is a health insurance policy an employer purchases to cover eligible employees under one plan. Depending on the policy, coverage may include inpatient and outpatient treatment, access to a provider network, telehealth services, wellbeing support and other optional benefits.

Cigna Healthcare offers group health insurance plans for businesses of different sizes, from companies with 2–9 employees to SMEs and large corporates

Yes. Employers are required to provide health insurance for eligible private-sector employees across the UAE.

The specific coverage requirements may vary by emirate, employee category and applicable regulations, so employers should confirm which rules apply to their workforce.

With group insurance for employees, the employer selects a health plan based on factors such as workforce size, employee needs, geographic coverage and budget. Eligible employees are then enrolled under the company’s policy and can access covered services through the plan’s healthcare provider network.

Employers may also be able to choose between local, regional and global coverage options. Cigna Healthcare’s UAE portfolio includes plans for small businesses, SMEs and large corporates, including plans for employees who work across the GCC or internationally.

You need at least one employee other than the owner to qualify for group health insurance for your employees.

Each health insurance plan has different eligibility criteria that companies must meet to apply for group health insurance. For SmartCare by Cigna, a company needs to have at least 10 lives for a quote, whereas for GlobalCare Flexible, a company needs to have at least 2 lives. To know more, you can contact the Cigna Healthcare sales team.

Employee health insurance premiums can vary owing to several factors, including but not limited to the average age of employees, the extent of coverage for them and/or their families, as well as add-ons (if any) such as dental treatments, eye-check-ups, preventive health screenings, and more.