Employee Benefits Insurance

Yes. Dubai law (DHA) mandates that all employers provide health insurance to employees and their dependents. Abu Dhabi mandates coverage under HAAD. Failure to comply results in fines and visa processing issues.

Yes. Many insurers offer SME-specific group health plans for 3 or more employees. These provide good coverage at competitive group rates, making them cost-effective for small businesses. We have access to tailored SME packages.

The Essential Benefits Plan (EBP) is the minimum required for employees earning AED 4,000 or below monthly. It covers basic inpatient, emergency, and maternity care. Higher-earning employees typically receive enhanced plans.

Policy changes are typically aligned to annual renewal. Mid-year additions (new joiners) and deletions (leavers) are processed on a pro-rata basis throughout the year.

Absolutely. Most group health programs are structured in tiers — for example, a comprehensive plan for senior staff and an enhanced EBP for junior staff — reflecting salary grades and budget allocation.

Our dedicated corporate relationship manager serves as a single point of contact for all employee queries, pre-approvals, network questions, and claims — reducing the burden on your internal HR team.