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Group Health Insurance Plans with Open Network

Abu Dhabi, Dubai and the Northern Emirates

Choices is the latest addition to the GlobalCare health insurance product range. These plans are designed and reinsured by HanseMerkur, one of Germany’s oldest and most esteemed insurers, synonymous with quality and the highest standards of service and customer satisfaction.

We strive to provide clarity and transparency, with benefits and terms that are easy to understand, ensuring you have the confidence of knowing exactly what is covered and the peace of mind that you can utilise and access precisely what you have paid for.

Our group products are tailored to meet the specific needs of companies with multinational workforces operating in Dubai. The level of cover and benefits is flexible, with straightforward options, enabling the customisation of plans to best suit the needs of employees, and, if required, their dependants, at a price that is right for you.

One aspect that remains constant, regardless of which plan and options you choose, is our commitment and drive to deliver quality, excellence, and the highest levels of service and customer satisfaction.

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Picture - Child choice

You Decide

We recognise that all businesses are unique, which is why our “Flexi” plans are designed to be fully customisable, allowing you to tailor them to meet your specific needs and budget.

Some benefits may not be essential for everyone but could be desirable for others, while some benefits may require different levels of cover, limits, and co-insurance.

Regardless of the options you select, the standard core benefits—such as inpatient, day patient, and outpatient treatments—are always fixed and uncapped, providing unparalleled coverage for the most medically significant and potentially costly treatments.

Please contact your local sales agent, who can offer personalised advice on the best options for your specific requirements.

Choices, Für Alle

“Für Alle” in German means “For All,” and that is exactly the kind of cover that Choices provides. Choices represents an innovative new approach to health insurance that allows all members to visit any provider within any network on a direct billing basis, with varying outpatient co-insurance applicable to the provider’s network tier.

In a rapidly evolving world with escalating health insurance costs, expatriate employers are seeking new and innovative ways to provide cover for employees and their families while ensuring they remain motivated and satisfied. To achieve this, you need high-quality international insurance, offering comprehensive cover for significant, unexpected, and serious inpatient conditions that may arise. Insurance you can trust, free from confusing small print, caveats, and lengthy exclusion lists that are often found only in the most expensive and comprehensive health insurance products. However, it is also essential to reduce and control costs! With Choices, you can now achieve all of this—lowering your insurance premiums without compromising on quality, service levels, or coverage.

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Core Principles of the Choices Product Range:

Value for Money

Fair & Transparent

Comprehensive Cover

Sustainable

Empowering Choice

German Quality Health Insurance für Alle

Our Group Health Insurance Plans

“Covered” refers to the Annual Policy Limit (minus all other eligible costs incurred during the policy term). Any monetary amounts signify Benefit Limits (sub-limits).

You may also be interested in our standard GlobalCare product range, which offers comprehensive cover through networks.

Features & Benefits

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.

Member Assistance Programme (EAP) / Well-Being: We offer counselling (in person, via video, telephone, or chat) in over 200 languages for issues related to Family, Life, Health, Money, and Work through our website or app platform.

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.

Health Insurance Plans Families

Relax, we’ve got you covered

At this premium end of the health insurance market, you can expect to have access to leading medical professionals, providers, and healthcare services, and this is guaranteed.

What sets us apart is the level and quality of service and support we are dedicated to providing to all our clients. We view customer service as the experience we create for our clients and as an opportunity to exceed their expectations; this philosophy underpins everything we do.

Our goal is to provide exceptional care for your employees and their families, ensuring they remain happy, healthy, and free from unnecessary hassle and stress, thereby supporting you in achieving your corporate objectives and goals.