Question 1

Is group health insurance mandatory for UAE employers?

Accepted Answer

Yes. Dubai and Abu Dhabi have long-standing schemes, and since 2025 the Northern Emirates mandate requires every employer in Sharjah, Ajman, UAQ, RAK and Fujairah to cover all employees.

Question 2

How many employees do I need?

Accepted Answer

Group medical plans start from as few as 2–3 employees. From 10+ staff, per-head pricing improves significantly versus individual plans.

Question 3

How much does it cost per employee?

Accepted Answer

Mandate-compliant basic plans start from around AED 225 per employee per year. Enhanced network plans typically run AED 400–1,500 depending on benefits, ages and network tier.

Question 4

Can employees add family members?

Accepted Answer

Yes — dependants (spouse and children) can usually be added at group rates, paid by the company or the employee. Dependant cover is not mandatory in the Northern Emirates but common in Dubai.

Group Health Insurance

Group Medical Cover for UAE Businesses — What You Need to Know

Inpatient care

Outpatient & GP visits

Pharmacy

Maternity

Mandate compliance

Dental & optical (add-on)

Frequently Asked Questions

Is group health insurance mandatory for UAE employers?

How many employees do I need?

How much does it cost per employee?

Can employees add family members?

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