Benefits Of A Group Health Insurance PlanGroup health insurance benefits include availing a health plan at a lower cost since the probability of the insurer requiring treatment is shared by the group. At Cigna, we offer access to over 3000 healthcare providers in the UAE, along with telehealth services. You can also enjoy direct settlement options where employees need only show their Cigna ID card to the healthcare provider. Whether you require a pre-approval or a reimbursement, Cigna makes sure the process is streamlined and swift.
Group Health Insurance Premiums and costs covered
The group health insurance coverage at Cigna can be standard or optional. The standard cover includes inpatient treatment, maternity care, out-of-network reimbursement and treatment for pre-existing and chronic conditions whereas optional cover offers dental treatment, eye care and preventative wellness.
Health insurance coverage is influenced by premiums which are a regular payment made to the insurance provider in order to keep one’s plan active. Group health insurance premiums can be paid by employees via payroll deductions.
Higher group health insurance premiums generally provide lower out of pocket costs to employees, with higher total coverage as well. For example, a plan with a certain premium may offer coverage of up to 250,000 AED with a 20% co-pay deductible for medication and consultations up to a maximum of 50 AED. On the other hand, a plan with a premium about 60% higher may offer coverage of up to 7,500,000 AED with all inpatient, consultation and outpatient costs covered for the insured.