How to Choose the Right Group Health Insurance for Your Employees

Health insurance provided by an employer can boost employee morale as well as increase the employee retention rate. It gives employees a sense of security and the satisfaction that they work for a company that cares about their well-being.

Moreover, if you are operating in Abu Dhabi, Dubai or anywhere else in the UAE, you are legally required to provide health insurance coverage to your employees and their dependents. With health insurance as a part of your compensation package, it can also enable you to attract new talent.

So, how do you choose the best group health insurance for your employees? Let’s take a look.

1. Choose the Right Sum Insured

Sum insured
Check the maximum amount the insurance provider will be pay when the insured employee (and their family) is hospitalised. Consider rising inflation when deciding on coverage.

 

2. Consider the List of Network Hospitals

Network hospitals

Check the hospitals that are part of the insurance provider’s network. The insurance provider should provide access to a wide network hospitals and clinics in the region, so that employees are never too far away from a network hospital.

 

3. Check for DHA/HAAD Regulatory Compliance

Compliance
To ensure the reliability and stability of your insurance partner, check whether they are regulated under the terms of the Dubai Health Authority (DHA) and Health Authority of Abu Dhabi (HAAD).

 

4. Benefit from Flexibility and Customised Solutions

Choose an insurer that offers customised products, based on your organisation’s requirements and budget. This will enable you to enhance employee satisfaction, by providing them coverage based on their income and life stage.

 

5.    Great Customer Service and Accessibility

In case of an emergency or query, you should be able to receive prompt assistance from the insurance company. Opt for a streamlined and simplified process for employee enrolment and claim processing.

Providing timely assistance to your employees is not only critical in assuring employee satisfaction but also reflects on your brand’s culture. So, make sure to choose an insurance company after careful research, based on market reputation and customer reviews.