Business Health Insurance UAE
The National Insurance Company – Daman offers robust Business Health Insurance plans tailored to suit companies of all sizes. Whether you are a small enterprise, mid-sized organisation, or a large corporation, our solutions provide reliable healthcare coverage that complies with UAE health insurance regulations while supporting employee wellbeing and satisfaction.
Explore Our Business Health Insurance Plans
Daman provides a range of customisable Business Health Insurance plans to suit diverse corporate needs, from basic healthcare to extensive international coverage. These plans are ideal for businesses looking to offer comprehensive medical benefits to their workforce while optimising cost and coverage flexibility.
Group Health Insurance within the UAE
Daman’s Group health insurance policies cover a wide range of sectors and industries. These plans are designed to offer seamless access, including digital claim management and an extensive provider network across the UAE.
Large Group Businesses
Organisations with a larger workforce can access comprehensive coverage options. These include maternity care, outpatient services, chronic disease management, and wellness benefits. Employers have the flexibility to customise benefits based on employee categories and company policies.
Uselect (for SMEs)
The Uselect programme allows HR managers to create the best health plans based upon modular product offerings that align with the company’s structure. This method enables employers to adjust benefits based on role, department, or seniority level.
Value Choice (for Micro_SMEs)
The Value Choice plan is crafted for Micro SMEs and startups. It provides essential healthcare benefits, affordable premiums, and access to a reliable network of medical providers, allowing small teams to access medical care without financial strain.
Amanak Chrome
Amanak Chrome offers essential coverage for your employees and their families, guaranteeing convenient access to healthcare services.
As a business owner in the Northern Emirates, we understand that you need a cost-effective insurance solution that offers your employees access to healthcare services when they need it – Amanak Chrome does just that.
International Business Health Insurance
Daman’s International Business Plans offer extensive support to companies operating in the UAE with consistent care for their employees and executives, regardless of their location. This plan includes overseas hospitals coverage, wellness programmes, repatriation and multilingual support.
Global Health Plan
Offered in partnership with AXA – Global Healthcare, Global Health Plan is for employees who travel often or work abroad. It provides extensive inpatient and outpatient care worldwide, including preventive check-ups, specialist referrals, and hospitalisation coverage. With a wide range of optional upgrades, including maternity, dental and optical benefits, the Global Health Plan can be tailored to meet the exclusive needs of your employees to ensure they have access to the best international healthcare, no matter where their assignments take them.
1. What is Group (Business) Health Insurance?
Business Health Insurance is a policy that employers purchase to provide medical coverage for their employees and dependents. It usually includes benefits like doctor consultations, emergency care, hospitalisation, and specialist treatments, helping businesses maintain a healthy and productive workforce.
How Group (Business) Health Insurance differs from Individual (Non-Business) health Insurance?
Business Health Insurance is a policy that employers purchase for their company employees to provide the right medical support, which is also tailored to the employment requirements. Non-business health insurance is bought by individuals or by families for their personal use and does not involve employer requirements.
What is Individual (Non-Business) Health Insurance?
Non-Business Health Insurance refers to individual or family health insurance plans that provide medical coverage. These plans work well for sole proprietors, dependents, retirees, and other non-employment insurance recipients.
Our Individual (Non-Business) Health Insurance Plans
Daman offers several Non-Business Health insurance plans for UAE residents and citizens. These include individual plans, family coverage plans and insurance for senior citizens. Each policy works on a different level of coverage to meet an individual’s medical needs.
Daman Gratuity and Employee Benefits Plan
Daman’s Gratuity and Employee Benefit Plan is an end-of-work service solution. It helps organisations manage long-term employee benefits efficiently while complying with UAE Labour Laws.
2. What are the benefits of buying Group (Business) Health Insurance from Daman?
Daman offers a compelling package of benefits that includes competitive premiums and scalable plans, digital tools for managing policies and claims, compliance with local regulatory requirements, access to a broad healthcare network, support from medical and claims experts, and customisation options for different employee tiers.
3. How and when to apply for Group (Business) Health Insurance?
Employers can apply at any time before or after onboarding new employees. Early enrollment is advised for continuous coverage. Applications can be submitted online or through a Daman relationship manager.
4. Eligibility criteria for buying Group (Business) Health Insurance in the UAE?
To purchase Business Health Insurance, the company must:
- Valid trade license in the UAE.
- Be registered with the relevant regulatory authorities.
- Have a minimum number of eligible employees as per group categorisation.
- Provide employee salary and identification documentation.
5. What does Group (Business) Health Insurance Policy Cover?
Typical coverage includes doctor consultations and diagnostics, emergency care and surgeries, prescription medications, maternity and newborn care, mental health services (based on plan), and chronic condition management.
6. Is Group (Business) Health Insurance Mandatory for Employees?
Yes, under UAE health insurance laws, employers must provide medical insurance for all employees. Each emirate may have specific rules, but health insurance is a legal requirement across the UAE.
7. Who can benefit from Group (Business) Health Insurance?
Full-time employees, sponsored dependents (if included in the group), senior staff requiring enhanced benefits, interns or temporary workers (optional, at the company’s discretion).
8. Who is eligible to be covered under Group (Business) Health Insurance?
All employees with valid UAE residency under a company’s sponsorship are eligible.
9. How to File a Group (Business) Health Insurance Claim Online?
Claims can be submitted by the employee or employer representative through:
- The Daman’s online portal.
- By visiting branches.
- Using the mobile app
10. Are self-employed individuals eligible for a Group (Business) health insurance policy?
Self-employed individuals with a business license may qualify for business plans under the Micro SME plans. Daman also offers individual health insurance options.
11. Are individuals eligible for Group (Business) health insurance plans?
No, Business Health Insurance plans are only for corporate entities or licensed self-employed professionals. Individuals seeking coverage should look into Non-Business Health Insurance options.
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