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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 different, so our plans are customisable to suit your specific needs and budget.

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

Some benefits are not essential or required by everyone, but they are desirable for others. These benefits are still available, along with enhancements of certain core benefits, but as Package Options on request, allowing the enhancement and customisation of our plans to suit you.

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

Flexibility & Choice

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. We have Plans to Suit Your Needs & Budget.

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

Our Individual & Family Plans offer the greatest amount of options and variations in the form of package enhancements and add-ons, making them highly customisable and therefore ideal to meet the specific needs of today’s expatriate.

The Group Plans come in differing forms depending on the number of lives, but are all designed for companies with multinational workforces, and if required their dependants, with different levels of cover (categories) available according to pay-grade and position, at a price that is right for you.

Simplicity, Clarity & Transparency

We aim to be market leaders in this area, with benefits, terms and procedures that are very easy to understand and follow, giving you the confidence of knowing exactly what is covered and the peace of mind that you can utilize and access exactly what was paid for.

World-Class Treatment & Care

Access to the Best Providers (Doctors, Hospitals & Clinics) in the World – Truly international cover should mean you can elect to be treated wherever you want. From a back operation using pioneering techniques in London or knee surgery in a top German sports science clinic to open heart surgery with 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 select, one thing is constant, our commitment and drive to deliver quality, excellence and the highest levels of service and customer satisfaction:

  1. 24/7 Support 24/7, 365 Days a Year Helpline – Multilingual team of medical experts and professionals are always available to advise and guide members.
  2. More customer service and support staff, less sales guys and big advertising budgets.
  3. “Highest service levels you would expect from a German Insurer – From the delivery of cards on time, to the swift processing of claims through to just having proper and responsive support in the Middle-East.”
  4. “Reliable, best service levels, and dedicated.”

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

Latest Technologies

Mobile App – This handy technology means you can always check details about your plan, make and monitor claims, locate providers and specialists in specific areas and also has an E-Card to identify yourself with providers.

EAP (Member Assistance Program), Work-Life, and Well-Being Services – Members, who have 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
  • Employee Support
  • Employer Support

Global Coverage

A global network of over 60,000 providers (hospitals, clinics and pharmacies, and if specifically covered by your plan, dentists and opticians) in 190 countries has been made available to our members, to visit for treatments, services or supplies, where costs will be settled by us directly on your behalf. Members have access to the massive and truly global Henner Network.

Product Features

Features & Benefits

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 a portable 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.