Group health insurance is a necessity these days. This is an insurance policy that covers medical costs and can even cover surgical procedures if you are admitted to hospital.
Employees and their families in Dubai, UAE are offered a variety of medical insurance policies. These policies are designed to protect against high medical costs and illnesses.
The law that set the rules
HR executives in Dubai are required to follow the 2015 law requiring that all employees between 100 and 999 have health insurance. HR executives have complete control when choosing a health insurance plan for their organization, especially if it has more than 100 workers.
You can customize your group health insurance policy if you receive the right advice. This will ensure that the requirements of the company are also met. Price is always the most important factor.
The cost of group health insurance
The price of the group health care insurance plan in Dubai should be reasonable. Insurance is no different. You get what you pay for. According to the Dubai Health team, employees can avail of the Essential Benefits Plan.
It is available to those with a salary below AED 4,000 per month. It is the cheapest plan you will find in Dubai. This plan costs AED 650 for each individual. This plan is available from several insurance companies. You will receive the same benefits no matter which insurance company you choose.
Employees with high salaries can opt for an alternative plan that costs AED850 per person. The DHA offers a number of benefits, including limited medical networks.
In the event of an emergency, hospital visits are allowed. Policyholders have the option to choose from a variety of clinics. It is recommended that policyholders speak to their General Practitioner before they receive any medical services.
The company can also choose a group health insurance plan which offers comprehensive medical benefits. These can range from AED 1,500 up to AED 5,500 for each individual. It may seem like a wide range, but paying a higher premium will also give you access to better hospitals and more benefits.
Medical Advantages
Many companies have chosen to offer different types of benefits for employees in order to control the cost of medical coverage in Dubai. There are three different levels of benefits for each group. It may not seem fair, but it is also logical.
Not all employees need the same benefits. If some members of the policy must travel internationally frequently, they may opt for a policy that includes international coverage, as policies with coverage in multiple countries can be expensive. It is logical to offer such benefits to employees who are required to travel frequently for their jobs.
As an HR professional, you need to be pragmatic when it comes down to the needs of your company. It is recommended that employees who travel abroad, twice a year for example, purchase a policy with global coverage.
Health insurance in Dubai
Rent a room
The person who is insured will be responsible for the costs of the hospital room if they are admitted. With medical insurance you can get these costs covered for a period of time.
Pre & Post Hospitalization Coverage
Effective medical insurance policies may cover post-hospitalization and even prehospitalization costs for a period of time after the insured has been hospitalized.
Get treatment without cash
The majority of insurance companies in Dubai, and the UAE as a whole, together with hospitals, provide a cashless treatment facility. Once the insured is admitted, they don’t need to pay anything. All that is required of the policyholder is the policy number. The hospital and health insurance will take care of the rest.
Wrap up
In addition to this, a policyholder may also be able to get transportation expenses, medical checks, and a no-claim bonus. The company is responsible for choosing the best plan for their employees. This will save them money and keep them safe.
