Health Authority Compliant: Exceeds rigorous UAE legislation, requirements, and standards.
Simple & Clear: We prioritise clarity and transparency, providing benefits and terms that are easy to understand, alongside 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 offers members 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 fill out 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 managed when visits to network providers are made. 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 acknowledge that decisions about your health and proposed treatments can be some of 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 convenient 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 can access 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 a mutual organisation, HanseMerkur is not driven by the need to generate profits for shareholders, ensuring that 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.
