Group Health Insurance
Group health insurance plans are tools designed and developed to provide comprehensive coverage to a specific group of individuals that are usually employees of an organization or members of a company. Group medical insurance members are benefited in several ways, first of all, they get insurance coverage at comparatively lower prices as the risk profile is quite evenly distributed amongst the employees. Secondly, these plans are provided without much formalities and paperwork for individuals, which makes them quite popular in the corporate world.
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Key Benefits Of Group Health Plans In Dubai
Group health insurance is issued only to the members of an organization that is already in existence. In case, an organization or group is created solely with the purpose of getting a group medical insurance policy then it would be not be accepted.
In order to get a group health insurance plan, the organization needs to have a minimum number of employees. The minimum number of employees required to get a group of medical insurance varies from insurance provider to provider.
The majority of group medical insurance plans are issued for a period of one year, after which the plan needs to renew for all the covered members. The process of renewal is carried out by the organization and the members are not involved in the procedure.
The coverage offered by group health insurance plans are either basic that takes care of mandatory requirement or Enhanced which is slightly better in terms of benefits from Basic or Comprehensive which is complete program covering all health needs with up to a limit.
The coverage and the payable premium in case group medical insurance plans are based on a plethora of factors. Some of them are size, type, gender, average age, salary band and health condition of the insured members.
Factors Affecting Premium of Group Health Insurance Plans
The factors that affect the premium of group health insurance plans are as follows:
The number of employees covered under the plan
Strength of the organization
Coverage offered by the plan to every employee
Dependents covered under the plan
Age, Gender, Marital Status, Salary band, Nationality
Last year’s claims
Best Group Health Insurance Plans in UAE
Orient Insurance - Nextcare - PCP/RN3 Network
Oman Insurance - Inhouse - Vital Network
Noor Takaful - Aafiya - APN Essential Network
Dubai Insurance - Ecare - E-Care Blue Network
Al Sagr Insurance - FMC - Standard Network
Aman Insurance - Ecare - E-Care Classic Network
What Are The Additional Riders Available With A Group Health Insurance Plan?
Emergency assistance (Emergency Medical Evacuation)
Preventive and wellness services
Mental health (Psychiatry)
Alternate treatment (Ayurveda, Homeopathy, Chiropractic )
Do group medical insurance plans cover pre and post-hospitalization expenses?
Ans. Yes, group medical insurance plans cover pre and post-hospitalization expenses.
Can family businesses opt for group medical insurance plans?
Ans. Yes, family businesses can opt for group medical insurance plans where partners, employee and dependents will be covered.
Do group medical insurance plans cover dependents of the insured members?
Ans.Legal spouse and children of the insured members are covered under group health insurance plans.
Can we include Parents of employees in the group medical insurance plans
Ans.Parents will not be included in the group medical insurance plans, Individual Health Insurance plans can be taken for parents.