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Group Health Insurance Plans with Open Network

Dubai, Abu Dhabi 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 renowned Insurers, and a name synonymous with quality
and the highest levels of service and customer satisfaction.

We aim to deliver clarity and transparency, with benefits and terms that are easy to understand, giving you the confidence of knowing exactly what is covered and the peace of mind that you can utilise and access exactly what you 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 are flexible, with simple 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 thing however is constant, regardless of which plan and options you select, and that 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 all businesses are different, so our “Flexi” plans are designed to be totally customisable, allowing you to tailor them to suit your specific needs and budget.

Some benefits are not essential for everyone, but may be desirable for others, whilst other benefits will require different levels of cover, limits and levels of co-insurance.

Whichever options you choose though, standard core benefits such that Inpatient, Day Patient and Outpatient treatments are always fixed and uncapped giving unparalleled cover for the most medically important and potentially costly treatments.

Please contact your local sales agent who can advise you personally about the best options for your specific needs.

Choices, Für Alle

Für Alle in German means “For All” and that is exactly the kind of cover Choices delivers. Choices is an innovative new approach to health insurance that enables all members to visit any provider in any network on direct billing with different outpatient co-insurance specific to provider’s network tier.

In a fast-evolving world with spiralling health insurance costs, expatriate employers are looking for new and innovative ways to cover employees and their families, whilst ensuring they remain motivated and satisfied. To achieve this you need high quality international insurance, with comprehensive cover for the big, unexpected and serious inpatient conditions that may develop. Insurance you can rely on without confusing small prints, caveats and the briefest of exclusion lists that are only found on the most expensive and open health insurance products. But you also need to reduce and control costs! Now with Choices you can realise all this, reducing your insurance premiums without compromising on quality, service levels or cover.

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Core Principles of The Choices Product Range:
Value for Money
Fair & Transparent
Comprehensive Cover
Empower Choice
German Quality Health Insurance Für Alle

Our Group Health Insurance Plans

“Covered” means up to the Annual Policy Limit (less all other eligible costs incurred in the policy term). Any monetary amounts indicate Benefit Limits (sub-limits).

You may also be interested in our standard GlobalCare product range with full cover by networks

Features & Benefits

Health Authority Compliant – Exceeds rigorous UAE (Abu Dhabi and Dubai) legislation, requirements and standards.

Simple & Clear – Clarity and transparency, with benefits and terms that are easy to understand and straight forward processes and procedures.

Plans to Suit Your Needs & Budget – From the places in the world you are covered, to the monetary limits and scope of the benefits, even the grade of network providers, the choice is yours.

Telehealth – A convenient service giving members unlimited access to the expert opinions of qualified doctors and medical advice on various medical conditions, medical diagnosis and treatments over the phone or through a mobile app.

Member Assistance Programme (EAP) / Well-Being – Counselling (in person, video, telephone or chat) in over 200 languages for Family, Life, Health, Money and Work issues through website or app platform.

Medical History Disregarded (MHD) – Simplified application process and forms, to be completed by one authorised person from the company, and not by each and every person to be insured.

Reduced Risk & Increased Certainty – Policies of less than 71 lives are “community-rated” so if a member develops or suffers any serious or expensive medical condition it will not lead to punitive price increases at renewal.

No Need to Pre-authorise – Everything is taken care of when network providers are visited. For visits to providers outside the network there is no need to waste time seeking pre-authorisation, with claims being payable if medically necessary and covered.

Second Opinion – We recognise that decisions about your health and proposed treatments can be the most important you ever have to make, so all members are entitled to a second opinion.

24/7, 365 Days a Year Helpline – Multilingual team of medical experts and professionals are always available to advise and guide members.

Mobile App – This handy technology means you can always check details about your plan, make and monitor claims and locate providers and specialists in specific areas.

Global Direct Billing – Members have access to Henner’s Global Network giving them access to direct billing with over 60,000 providers in 190 countries.

World-Class Treatment & Care – All plans offer access to top medical providers and care in 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 and not driven by the necessity to make profits for shareholders, the quality and level of cover and service provided for the money is unparalleled.

Covered Means Covered – You will get exactly what you 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 it is expected that you will enjoy access to top medical professionals, providers and healthcare, and that is assured.

What differentiates us is the level and quality of service and support we are committed to providing to all our clients. We see customer service as the experience we deliver to our clients and an opportunity to exceed expectations, and this way of thinking underpins everything we do.

Our goal is to take the best care of your employees and their families, keeping them happy, healthy and free from unnecessary hassle and stress, thus helping you to pursue your own corporate objectives and goals.