Experience You Can Trust

GlobalCare Health Insurance 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 standards of service and customer satisfaction. GlobalCare Medical Insurance plans are insured in the United Arab Emirates (UAE) through Emirates Insurance Company PSC or Union Insurance PSC.

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 the GCC. 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.

Rough seas represent high claims or expensive medical conditions

These medical insurance products tailored for small & medium sized enterprises (SME) can be compared to a year-long journey across a vast ocean in a small boat. For many the journey is smooth and uneventful, with the boat making it easily to the other side, but all too often rough seas, take their toll.

This leads to increase efforts and high costs at the end of each journey to keep your boat seaworthy, so your crew can sail another year.

Community rating means you do not have to assume all the risks alone.

Community rating means if your crew has between 10 and 70 people, they can be pooled together with those of many others SMEs, in a very large, comfortable and unsinkable cruise-liner.

Proper assessment and calculated pricing of every SME crew allowed on board.

Professional underwriting of all new SMEs further strengthens the proposition, assuring a smooth and safe journey year after year, with the confidence that any waves, no matter how huge, can unsettle the ship.

Reduced risk and increase certainty make it easier to keep your employees happy, healthy and motivated, as budgets can be more accurately forecast and more easily met, without having to cut benefits or change insurers at renewal just because someone develops a serious or expensive medical condition.

Designed Around You

We recognise that everyone is different, so our plans are customisable to suit your specific needs and budget.

  • Choose Your Plan

Choose between the Select Group or Prestige Group Plan, for which the benefits that differ are marked with a * symbol in the following table. Whether you choose the Select Group or Prestige Group Plan, 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.

  • Choose Your Network

Each plan has been paired with a number of networks options. You can check which providers are available in the various Networks*.

  • Choose Your Deductible

The Select Group Plan maximum deductible can be increased from: AED 50 to AED 75 per outpatient consultation. The Prestige Group Plan maximum deductible can be increased from: Nil to either AED 50 or AED 75 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).

  • Select Your Package Options

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.

Our 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).

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

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.

Employee Assistance Package / 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 – Your policy will be pooled with all the other groups of 10 – 70 lives insured by us (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.

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.