SME Business Health Insurance – Uselect

Customisable plans for companies with 6-150 employees, offering flexibility of coverage with different module options.

Protecting your employees with dependable medical coverage is essential for sustainable business growth. Designed specifically to support small and medium enterprises, our Uselect group health insurance offers flexible, comprehensive insurance plans for employees that scale alongside your workforce. Built to meet the unique needs of small and medium businesses in the UAE with 6 employees to 150 members, Uselect ensures your talent stays healthy, protected, and motivated while keeping your bottom line secure.
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Choose the plan that is more convenient for you

Uselect Gold Abu Dhabi

    • Annual benefit limit per person (Options)

      • UAE Currency Symbol 1,000,000
      • UAE Currency Symbol 5,000,000
    • Territorial Limit (Options)

      • Worldwide excluding USA
      • Worldwide
    • Network (Options) Over 3,100 providers under the Supreme Network

    • Pre-existing conditions fully covered

    • Outpatient Deductible

      • Physician consultation: UAE Currency Symbol 50/25/Nil per consultation
    • Outpatient Pharmacy Co-insurance – 20%/Nil

    • Outpatient Pharmacy Limit UAE Currency Symbol 10,000/ Annual Limit

    • Maternity

      • Within UAE: 100% covered
      • Outside UAE: UAE Currency Symbol 25,000/30,000/ Annual Limit
    • Home Nursing UAE Currency Symbol 200/day up to 90 days

    • Outpatient Medical Applicances and Equipment UAE Currency Symbol 1,000

    • Dialysis UAE Currency Symbol 30,000

     

Uselect Silver Abu Dhabi

    • Annual benefit limit per person (Options)

      • UAE Currency Symbol 500,000
      • UAE Currency Symbol 1,000,000
    • Territorial Limit (Options)

      • UAE extended to Southeast Asia, Indian Subcontinent and Arab countries for inpatient treatment only
      • Worldwide excluding USA, Canada and Europe
    • Network (Options) Over 2,700 providers under the Key Network

    • Pre-existing conditions fully covered

    • Outpatient Deductible

      • Physician consultation: UAE Currency Symbol 50/25/Nil per consultation
    • Outpatient Pharmacy Co-insurance – 20%/Nil

    • Outpatient Pharmacy Limit UAE Currency Symbol 7,500/ 10,000/ Annual Limit

    • Maternity

      • Within UAE: 100% covered
      • Outside UAE (inpatient maternity only): UAE Currency Symbol 20,000/25,000/Annual Limit
    • Home Nursing UAE Currency Symbol 200/day up to 60 days

    • Dialysis UAE Currency Symbol 25,000

     

Uselect Bronze Abu Dhabi

    • Annual benefit limit per person (Options)

      • UAE Currency Symbol 250,000
      • UAE Currency Symbol 500,000
    • Territorial Limit (Options)

      • UAE extended to Southeast Asia, Indian Subcontinent and Arab countries for inpatient only
    • Network (Options) Over 2,200 providers under the Advanced Network

    • Pre-existing conditions fully covered

    • Outpatient Deductible

      • Physician consultation: UAE Currency Symbol 50/25/Nil per consultation
    • Outpatient Pharmacy Co-insurance – 10%/20%

    • Outpatient Pharmacy Limit UAE Currency Symbol 12,500/ 7,500/ 5,000 in the Drug Formulary List

    • Maternity

      • Within UAE: 100% covered
      • Outside UAE (inpatient maternity only): UAE Currency Symbol 15,000/20,000
    • Home Nursing UAE Currency Symbol 200/day up to 15 days

     

Uselect Gold DNE

      • Annual benefit limit per person (Options)

        • UAE Currency Symbol 1,000,000
        • UAE Currency Symbol 5,000,000
      • Territorial Limit (Options)

        • Worldwide excluding USA
        • Worldwide
      • Network (Options)

        • Supreme
        • Grand
        • Royal
      • Non-Network – 50% on actuals

      • Pre-existing conditions fully covered

      • Physician Consultation

        • Dubai and Northern Emirates visa holders: 0/20% with UAE Currency Symbol 25/50 out of pocket per consultation
        • Abu Dhabi visa holders: UAE Currency Symbol 0/25/50 out of pocket per consultation
      • Accommodation Private room

      • Outpatient Pharmacy (Options)

        • 100% covered up to UAE Currency Symbol 10,000/Annual limit
        • 80% covered up to UAE Currency Symbol 10,000/Annual limit
      • Maternity (Options are for DHA Plans. DOH Plans are covered up to Annual Limit) – Annual Limit/ UAE Currency Symbol 30,000/25,000

      • Dental

        • Module 6: 80% covered up to UAE Currency Symbol 2,000/3,000/5,000
        • Module 5: 70% – UAE Currency Symbol 500, inclusive of co-insurance
      • Outpatient Benefits covered

      • Dialysis UAE Currency Symbol 60,000

      • Optical (Optional)

        • Up to UAE Currency Symbol 500/1,000/1,500
        • Limited to 2 vision tests
        • Prescribed eyeglasses, frames, contact lenses

       

Uselect Silver DNE

      • Annual benefit limit per person (Options)

        • UAE Currency Symbol 500,000
        • UAE Currency Symbol 1,000,000
      • Territorial Limit (Options)

        • UAE extended to Southeast Asia, Indian Subcontinent and Arab Countries for inpatient treatment only
        • Worldwide excluding USA, Canada & Europe
      • Network (Options)

        • Grand
        • Key
      • Non-Network – 50% on actuals

      • Pre-existing conditions fully covered

      • Physician Consultation

        • Dubai and Northern Emirates visa holders: 0/20% with UAE Currency Symbol 25/50 out of pocket per consultation
        • Abu Dhabi visa holders: UAE Currency Symbol 0/25/50 out of pocket per consultation
      • Accommodation Private room

      • Outpatient Pharmacy (Options)

        • 100% covered up to UAE Currency Symbol 7,500/10,000/Annual limit
        • 80% covered up to UAE Currency Symbol 7,500/10,000/Annual limit
      • Maternity (Options are for DHA Plans. DOH Plans are covered up to Annual Limit) – Annual Limit/AED 25,000/20,000

      • Dental

        • Module 6: 80% covered up to UAE Currency Symbol 2,000/3,000/5,000
        • Module 5: 70% – UAE Currency Symbol 500, inclusive of co-insurance
      • Outpatient Benefits covered

      • Dialysis UAE Currency Symbol 60,000

      • Optical

        • Up to UAE Currency Symbol 500/1,000
        • Limited to 2 vision tests
        • Prescribed eyeglasses, frames, contact lenses

     

Uselect Bronze DNE

      • Annual benefit limit per person (Options)

        • UAE Currency Symbol 250,000
        • UAE Currency Symbol 500,000
      • Territorial Limit (Options)

        • UAE extended to Southeast Asia, Indian Subcontinent and Arab Countries for inpatient treatment only
      • Network (Options)

        • Advanced
        • Primary
      • Non-Network – 50% on actuals

      • Pre-existing conditions fully covered

      • Physician Consultation

        • Dubai and Northern Emirates visa holders: 0/20% with UAE Currency Symbol 25/50 out of pocket per consultation
        • Abu Dhabi visa holders: UAE Currency Symbol 0/25/50 out of pocket per consultation
      • Accommodation Shared room

      • Outpatient Pharmacy (Options)

        • 90% covered up to UAE Currency Symbol 5,000/7,500/12,500
        • 80% covered up to UAE Currency Symbol 5,000/7,500/12,500/Annual limit
      • Maternity (Options are for DHA Plans. DOH Plans are covered up to Annual Limit) UAE Currency Symbol 20,000/15,000

      • Dental

        • Module 6: 80% covered up to UAE Currency Symbol 1,500/2,000
        • Module 5: 70% – UAE Currency Symbol 500, inclusive of co-insurance
      • Outpatient Benefits covered

      • Dialysis

        • 80% – UAE Currency Symbol 60,000 inclusive of co-insurance
        • Inpatient treatment out of pocket limit of UAE Currency Symbol 500 per encounter and an annual aggregate limit of UAE Currency Symbol 1,000
      • Optical

        • Up to UAE Currency Symbol 500
        • Limited to 2 vision tests
        • Prescribed eyeglasses, frames, contact lenses