Group Health Insurance

The Dubai Health Authority has mandated all employers in Dubai to provide health insurance cover to its employees. Most insurance companies require a minimum of 10 employees to start a corporate package, while there are a few that can offer it for a minimum of 3 or 5 employees.

The basic insurance package starts from 525 AED base rate per person, depending on the salary bracket. The comprehensive package offers better benefits and wider hospital access. However, the pricing will depend on the employee’s age, gender, marital status and other factors.

It is important to know that a group of 10 employees or less will have full medical underwriting, hence any pre-existing condition will be assessed individually and will be priced based on the risk presented. Most insurance companies disregard the medical histories for a group of 11 employees or more, while some do it for 25 employees or more.