Health Authority Compliant: Exceeds rigorous UAE legislation, requirements, and standards.
Simple & Clear: We prioritise clarity and transparency, offering benefits and terms that are easy to understand, along with straightforward processes and procedures.
Plans to Suit Your Needs & Budget: From the locations where you are covered to the monetary limits and scope of benefits, including the quality of network providers, the choice is yours.
Telehealth: This convenient service provides members with unlimited access to expert opinions from qualified doctors and medical advice on various conditions, diagnoses, and treatments over the phone or through a mobile app.
Digital health solutions support a holistic approach to wellbeing: Customers can access personalised fitness plans and health insights.
EAP / Well-Being: Counselling in over 200 languages is available via our website or app, covering Family, Life, Health, Money, and Work issues, in person or remotely.
Medical History Disregarded (MHD): The application process is simplified, allowing forms to be completed by one authorised individual from the company rather than requiring each insured person to submit their own forms.
Reduced Risk & Increased Certainty: Policies covering fewer than 71 lives are “community-rated,” meaning that if a member develops or suffers from any serious or costly medical condition, it will not result in punitive price increases at renewal.
No Need to Pre-authorise: Everything is taken care of when visiting network providers. For visits to providers outside the network, there is no need to waste time seeking pre-authorisation, as claims will be payable if medically necessary and covered.
Second Opinion: We recognise that decisions regarding your health and proposed treatments can be among the most significant you will ever make, which is why all members are entitled to a second opinion.
Dedicated Claims/Service Team: Health insurance policies are managed by our own highly trained in-house team.
24/7, 365 Days a Year Helpline: Our multilingual team of medical experts and professionals is always available to advise and guide members.
Mobile App: This handy technology allows you to check details about your plan, make and monitor claims, and locate providers and specialists in specific areas at any time.
Global Direct Billing: Members have access to Henner’s Global Network, enabling direct billing with over 60,000 providers in 190 countries.
World-Class Treatment & Care: All plans provide access to leading medical providers and care within the selected geographic coverage area.
Continuity of Cover: Members and their dependants can switch to an Individual & Family Policy without further underwriting if they leave a Group Policy.
Unbeatable Value for Money: As HanseMerkur is a mutual organisation and not driven by the necessity to generate profits for shareholders, the quality and level of cover and service provided for the price are unparalleled.
Covered Means Covered: You will receive exactly what you have paid for, with no hidden clauses, no prohibitive sub-limits, and no unfair exclusions.
