About Group Medical Insurance Abu Dhabi


Every organisation — from start-ups on Al Reem Island to multinationals in Khalifa City—needs reliable Group Medical Insurance in Abu Dhabi to stay compliant and competitive. Group medical insurance provides health coverage to a group of individuals, typically employees of a company or members of an organization, and often includes dependents like spouses, children, and parents. The premium is usually paid by the employer, though coverage ends when the individual leaves the organization. InsuranceHub.ae partners with 50+ Central Bank-approved insurers to deliver tailored group health plans at unbeatable rates, along with unemployment insurance and the best life insurance in the UAE. Below, you'll find everything you need to know before purchasing


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Understanding Group Medical Insurance in Abu Dhabi

Abu Dhabi is known for its world-class healthcare facilities and growing popularity in medical tourism. With over 200 doctors per 100,000 residents, the city offers excellent medical care regulated at both the Federal and Emirate levels. Public healthcare in Abu Dhabi is managed by the Health Authority – Abu Dhabi (HAAD)


While Emirati nationals receive free public healthcare, non-residents pay higher fees. That’s why group medical insurance is essential—especially for the large expat population. In Abu Dhabi, it’s mandatory for employers to provide health insurance to their employees and their dependents (one spouse and up to three children under 18). Any additional dependents must be covered by the employee.


Having group insurance through a trusted provider reduces treatment costs and ensures access to both public and private medical services, making it a smart and necessary investment


Benefits of Group Medical Insurance


While each emirate provides different inclusions in public health care, in general, all emirates offer the following benefits.


  • Basic Health Services: Group health insurance in Abu Dhabi covers all general examinations, diagnostics, treatment services, laboratory services, radiology diagnostic services, etc.

  • Emergencies: All group health insurance covers the cost of all emergency ailments or injuries caused by accidents.

  • Maternity Services: All hospitals in Abu Dhabi and other emirates allow cashless services for expecting mothers, deliveries, and neonatal care services.

  • Preventive Services: Health Insurance plans under HAAD cover all necessary vaccinations and immunizations for children and newborns.


Public healthcare, in some cases, also allows insured amounts to be applied to physiotherapy treatments, maternity follow-ups, and surgical operations.

Why Choose insurancehub.ae?


  • Experienced consultants with 15+ years in group health medical insurance

  • Transparent fee structure—no hidden mark-ups

  • AI-powered renewal alerts so you never miss a deadline

  • Complimentary wellness webinars that help lower next-year utilisation

  • Case Study: A logistics firm with 120 staff cut renewal costs by 22 % after migrating from a legacy broker to insurancehub.ae and adopting a hybrid group private medical insurance solution.

    Compliance & Documentation


    We stay current with Department of Health circulars. All quotes meet HAAD Minimum Benefit Requirements. For mixed workforces, we also guide you on DHA and MOH provisions so your group medical insurance UAE program remains bullet-proof.


    Add-On Services


  • End-to-end visa stamping coordination

  • Payroll integration for employee contributions

  • On-site health screening events

  • Get your custom proposal now. Click “Get Quotes” or call +9714 265 5668 to speak with a licensed insurance advisor UAE.


    FAQs About Group Medical Insurance

    Who is eligible for group medical insurance in the UAE?
    Full-time employees of a legally registered organization are eligible. Employers usually offer plans that include dependents such as spouses and children
    Are pre-existing conditions covered under group medical insurance?
    Yes, most group plans in the UAE cover pre-existing conditions; however, specifics like waiting periods or exclusions vary by provider.
    Do employees need a medical examination to join the group plan?
    No. Group medical insurance typically does not require medical tests during enrollment
    How many claims can be filed under a group policy?
    There’s no strict limit on claim count, but claims are subject to the annual limit and sub-limits for specific services like therapy.
    Can employees have more than one insurance policy?
    Secondary policies are allowed, such as for international coverage or top-ups. Be sure to disclose all current policies to avoid claim complications.

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