In today's ever-changing health insurance landscape, heightened awareness, rising healthcare expenses, and UAE government regulations make it essential for corporations to seek effective solutions in providing employee's health insurance.
At AFNIC, we specialize in finding and designing policies that perfectly match your company's needs, offering protection during times of necessity. Let us help you secure the ideal health insurance plan tailored to your requirements. Your employees' well-being is our priority!
*This insurance is applicable under DHA (Dubai Health Authority), HAAD (Health Authority of Abu Dhabi) and NON DHA / HAAD
Group Life Insurance Policy is taken by an employer (a Company) for the benefits of his employees. The coverage under the policy includes death due to any cause (other than those excluded). It includes natural death or accidental death, whether whilst they are working on duty or whilst at home or anywhere in the world on 24- hour basis.
Cover is subject to all members being actively at work and UAE residence visa holders. All employee shall be in healthy condition at the time of joining the policy.
All the employees of the employer shall be insured under this policy without any selection. Age limits are there which normally is 65 years maximum and minimum 18 years. List of employees with age, title of job and the sum insured for each employee shall be provided in order to do the premium rating.
With Group Life Insurance, an entire group of people is covered with life insurance under a single contract. It is usually more suitable to be offered by employers to their employees, or for any large entities, such as group associations and organizations.
Insuring as a group costs less than insuring individually.
Death, due to any cause – 100% Sum Insured Payable.
Additional Accidental Death Benefits – 100% Sum Insured Payable.
Permanent Total Disability (Accidental) – 100% Sum Insured, 12 months deferred period (for own or any other occupation).
Permanent Total Disability (Sickness) – 100% Sum Insured payable, 12 months deferred period (for own or any other occupation).
Permanent Partial Disability (Accidental) – Compensation payable, as per Continental Scale of Benefits, based on 100% of Life Sum Insured.
Permanent Partial Disability (Sickness) – Compensation payable as per Continental Scale of Benefits, based on 100% of Life Sum Insured.
Temporary Total Disability (Accidental) – A weekly benefit of 100% of the actual weekly salary, for a maximum period of 52 weeks, Nil day waiting period.
Temporary Total Disability (Sickness) – A weekly benefit of 100% of the actual weekly salary, for a maximum period of 52 weeks, 7 day waiting period.
Medical Expenses (Accidental).
Repatriation Expenses of Mortal Remains.
The amount of coverage offered is typically equal to one or two times the annual salary of the insured employee. There are a variety of coverage options to choose from based on your requirements.
The insurance remains in force unless the employment is terminated.
With the volatility of the dynamic Health insurance market, increased health insurance awareness and escalating health care costs, and current regulations by the UAE government, it has become imperative for corporations to look for effective solutions for providing Health Insurance to their employees.
AFNIC provides a range of adaptable products designed to cater to the health requirements and financial considerations of residents in the UAE across various spectrums.
We have the support of the best Third Party Administration with a comprehensive provider network in the UAE and the Region.
We provide tailor made plans to fit any level of coverage, locally and worldwide.
This insurance is applicable under DHA (Dubai Health Authority), HAAD / DOH(Health Authority of Abu Dhabi / Department of Health) and NON DHA / HAAD/DOH.
These simple questions will direct you to the appropriate plans;
Employee Retention and Increased productivity- People value jobs that give them a sense of security. The impact of Health insurance lies not only on the budgets and capping the corporate expenses, but on the employees themselves. A group health insurance will not only give your employees and their families enough financial security, but an overall satisfaction that their employer actually cares about them.
Different plans offer different benefits. Comparisons should be based, not just on premiums, but also on the benefits offered, deductibles, and geographical area. It is imperative to bear in mind that although, at inception of the Policy, premiums are the deciding factor, during the Policy period it is the benefits and the service that decides renew ability and long term relationship.
Subject to network rates; reimbursement based on network rates.
Compulsory scheme;
All employees and their eligible dependents – residents of the U.A.E. – must be covered.
If dependents are included, it is compulsory for the whole group.
Criteria for level of cover: if two level of cover are chosen, it should be based on criteria, such as designation, salary, and/or nationality.
Group size – rates Vary based on the group size.
Rates are group specific.
Out-of-U.A.E. cover is based on U.A.E. rates.
Securing the necessary coverage has consistently proven to be a formidable task. Recognizing the importance of your time, we aim to facilitate a seamless enrollment process. Experience a stress-free process with our streamlined enrollment system, equipped with user-friendly tools and dedicated support for both you and your employees.
We understand your preference for a simple and transparent claims process. Our online claims submission system, coupled with transparent communication channels, simplifies the reimbursement experience for your employees, ensuring a commitment to a hassle-free claims process.
