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

(1 – 9 People)

Business Health Insurance Plans

(10+ People)

Premium International Health Insurance for Individuals, Families & Companies

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

Regardless of the plan 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.

While some benefits may not be essential for everyone, they are desirable for others. These benefits remain available, along with enhancements to certain core benefits, but are offered as Package Options upon request, allowing for the enhancement and customisation of our plans to suit your requirements.

You can choose one or more Packages, and within the Dental, Optical, and Assistance Packages, there are further options to specify the monetary limits provided.

Flexibility & Choice

From the locations worldwide where you are covered, to the monetary limits and scope of benefits, as well as the quality of network providers, the choice is yours. We have plans to suit your needs and budget.

“Specialists in world-class international health cover, offering a range of products for all levels and categories of workers, across any country and for any budget.”

Our Individual and Family Plans offer the most options and variations in the form of package enhancements and add-ons, making them highly customisable and ideal for meeting the specific needs of today’s expatriates.

The Group Plans vary depending on the number of lives covered but are all designed for companies with multinational workforces. If required, they can also include dependants, with different levels of cover (categories) available based on pay grade and position, all at a price that suits you.

Simplicity, Clarity & Transparency

We aim to be market leaders in this area, offering benefits, terms, and procedures that are straightforward and easy to understand. This provides you with 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.

World-Class Treatment & Care

Access to the Best Providers (Doctors, Hospitals & Clinics) in the World – Truly international coverage means you can choose to be treated wherever you wish. Whether it’s a back operation using pioneering techniques in London, knee surgery at a leading German sports science clinic, open-heart surgery performed by world-renowned Indian surgeons, or world-class diabetes care in Dubai, the choice is yours.

Personal Service – 24/7 Support

Whichever plan and option(s) you choose, one thing remains constant: our commitment and drive to provide quality, excellence, and the highest levels of service and customer satisfaction.

24/7 Support: Our helpline is available 24/7, 365 days a year—our multilingual team of medical experts and professionals are always on hand to advise and guide members.

We focus on having more customer service and support staff rather than relying on salespeople and large advertising budgets.

“You can expect the highest service levels from a German insurer—from the timely delivery of cards and the swift processing of claims to having proper and responsive support in the Middle East.”

“Reliable, with the best service levels, and dedicated.”

In fact, we believe we have the highest ratio of support, customer service, and technical staff per dollar of premium.

Latest Technologies

Mobile App: This convenient technology allows you to easily check details about your plan, make and monitor claims, locate providers and specialists in specific areas, and also includes an E-Card for identifying yourself to providers.

EAP (Member Assistance Programme), Work-Life, and Well-Being Services: Members with access to select networks can benefit from the following services:

  • Multiple counselling modalities – Virtual counselling
  • Face-to-face counselling
  • Comprehensive support for work and life issues
  • Member support
  • Employer support

Global Coverage

A global network of over 60,000 providers (hospitals, clinics, pharmacies, and, if specifically covered by your plan, dentists and opticians) in 190 countries is available to our members for treatments, services, or supplies, with costs settled directly by us on your behalf. Members can access the extensive and truly global Henner Network.

Product Features

Features & Benefits

Simple & Clear: We prioritise clarity and transparency, offering benefits and terms that are easy to understand, alongside straightforward processes and procedures.

Plans to Suit Your Needs & Budget: From the locations in the world where you are covered to the monetary limits and scope of benefits, as well as 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, available over the phone or through a mobile app.

Member Assistance Programme (EAP) / Well-Being: Access 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): We offer a simplified application process and forms to be completed by one authorised representative from the company, rather than requiring each individual to be insured to fill out their own forms.

Reduced Risk & Increased Certainty: Policies covering fewer than 71 lives are “community-rated,” so 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 visiting network providers. For visits to providers outside the network, there is no need to waste time seeking pre-authorisation; claims will be payable if medically necessary and covered.

Second Opinion: We understand that decisions about your health and proposed treatments can be among the most important you will ever make, which is why all members are entitled to a second opinion.

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 top medical providers and care within the selected geographic coverage area.

Continuity of Cover: Members and their dependants can switch to a portable 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 is 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 the premium end of the health insurance market, you can expect to have access to leading medical professionals, providers, and healthcare services, and we guarantee that.

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 offer our clients and as an opportunity to exceed expectations, and this mindset underpins everything we do.

Our goal is to take the best care of your employees and their families, ensuring they remain happy, healthy, and free from unnecessary hassle and stress, thereby helping you achieve your own corporate objectives and goals.