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Health Insurance Plans for Individuals & Families and Micro-groups of up to 10 Lives

Abu Dhabi, Dubai and the Northern Emirates

GlobalCare health insurance 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. GlobalCare Medical Insurance plans are underwritten in the United Arab Emirates (UAE) by Emirates Insurance Company PSC.

We strive to provide clarity and transparency, offering 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 family products are tailored to meet the specific needs of today’s expatriates and their families. The level of cover and benefits is flexible, with straightforward options that enable the customisation of plans to best suit your needs at a price that is right for you. One aspect that remains constant, regardless of which plan and options you select, is our commitment and drive to deliver quality, excellence, and the highest levels of service and customer satisfaction.

Health Insurance Plans for Individuals & Families and Micro-groups of up to 10 Lives (Dubai, Abu Dhabi and the Northern Emirates)

Designed Around You

We recognise that everyone is unique, which is why our plans are customisable to suit your specific needs and budget.

  1. Choose Your Plan

Select between the Select or Prestige Plan; the benefits that differ are indicated with a * symbol in the following table. Regardless of whether you choose the Select or Prestige Plan, the standard core benefits, such as inpatient, day patient, and outpatient treatments, are always fixed and uncapped, offering unparalleled coverage for the most medically significant and potentially costly treatments.

  1. Choose Your Deductible

The deductible for the Select Plan can be set at: AED 50 or AED 100 per outpatient consultation.

The deductible for the Prestige Plan can be adjusted from: Nil to either AED 50 or AED 100 per outpatient consultation.

  • A deductible is the amount an insured person must pay towards each outpatient consultation. The higher the deductible, the lower the premium (price).
  1. Select Your Package Options

While some benefits may not be essential for everyone, they can be desirable for others. These benefits remain available, along with enhancements to certain core benefits, as Package Options upon request, allowing you to customise our plans to suit your needs.

You can choose one or more Packages, and within the Dental, Optical, and Assistance Packages, there are further options (A or B) for the specific monetary limits provided.

Set Plans

If you are unsure about the best choices to make or find the range of options a bit overwhelming, you might prefer to consider some of our “Pre-Set Plans,” which are based on our customers’ preferences and best-selling options. Please ask your local sales agent for more details if this is of interest.

Our Health Insurance Plans

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

A * symbol denotes benefits and options that vary between the two plans. Please refer to our Terms and Conditions for full details.

Features & Benefits

Health Authority Compliant: Exceeds rigorous UAE legislation, requirements, and standards.

Simple & Clear: We provide 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, the choice is yours.

Telehealth: This convenient service allows members unlimited access to expert opinions from qualified doctors and medical advice on various medical conditions, diagnoses, and treatments over the phone or through a mobile app.

Member Assistance Programme (EAP) / Well-Being: We provide 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.

Reduced Risk & Increased Certainty: Your policy will be pooled with all other groups of 1 to 9 lives insured by us (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 handled 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 important you will ever have to 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: All members can also utilise Henner’s Global Network, which provides access to direct billing with over 60,000 providers in 190 countries.

World-Class Treatment & Care: All plans offer access to leading medical providers and care within the selected geographic coverage area.

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 we guarantee this.

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 own corporate objectives and goals.