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CBUAE – Insurance Authority Licensed Broker · No. 281

Group Insurance

Group Life and Personal Accident cover for your entire workforce, compared across 30+ UAE insurers.

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What's covered

Group Life & Personal Accident — What You Need to Know

Group life

Lump-sum benefit to the family if an employee passes away from any cause, on or off duty.

Accidental death

Additional payout when death results from an accident — often double the life benefit.

Permanent disability

Scaled benefits for permanent total or partial disability following an accident or illness.

Accident medical expenses

Emergency treatment costs arising from a workplace or off-duty accident.

Repatriation expenses

Costs of repatriating remains to the home country — a key benefit for expat workforces.

24/7 worldwide cover

Employees stay covered around the clock, inside and outside the UAE, on and off the job.

Common questions

Frequently Asked Questions

Is group life insurance mandatory in the UAE?

It is not a federal legal requirement, but many free zones, contracts and labour agreements require it — and it is standard practice for competitive employers. It also protects the business from end-of-service liabilities after a death or disability.

How many employees do I need for a group policy?

Most insurers quote from as few as 3–5 employees. Larger groups get better per-head rates and more flexible terms.

How is group life priced?

Per employee, based on the benefit level (typically 24–36 months of salary), workforce age profile and occupation categories. Office staff cost less to cover than site workers.

What is the difference between Group Life and Group Medical?

Group Life pays lump sums on death or disability. Group Medical covers day-to-day healthcare (doctor visits, hospital, pharmacy). Most UAE employers hold both — we can quote them together.

Related cover

Group Health Insurance →Business / SME Insurance →

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