Group Medical Insurance
for Businesses in UAE

Made Simple with EIB

Affordable, Compliant, and Complete Healthcare Protection for your Workforce.

Corporate- Employee Benefits

Comprehensive Healthcare Coverage for Your Workforce

Group Medical Insurance is an essential benefit that not only ensures your employees’ well-being but also fulfills regulatory requirements in the UAE. As a trusted insurance partner, Earnest Insurance Brokers helps businesses design medical plans that are both compliant and competitive.

What’s Covered Under Group Medical Insurance?

Inpatient & Daycare Treatment

Hospital accommodation and room charges
Surgery, anesthesia, ICU, recovery room, and OT costs
Diagnostic procedures and prescribed medications
Post-operative physiotherapy
Ambulance services and home nursing care (up to 14 days)
Hospital cash benefit for treatment in government hospitals

Outpatient Services (if included in your plan)

General physician and specialist consultations
Laboratory tests and diagnostic imaging
Prescribed drugs and minor procedures
Physiotherapy on referral

Maternity Benefits (if selected)

Antenatal check-ups and diagnostic tests
Natural or C-section delivery (medically necessary)
Coverage for complications during childbirth
Newborn cover for up to 30 days from birth

Chronic & Pre-Existing Conditions

Conditions diagnosed during the policy period may be covered, depending on the underwriting terms
Pre-existing conditions are covered only if specifically stated in the policy

Emergency Medical Care

24/7 coverage for sudden illnesses, accidents, or life-threatening situations
Treatment must be initiated within 24 hours to be eligible

Overseas Treatment (for select plans)

Treatment outside the UAE upon pre-approval
Transportation costs for the insured and an escort (up to AED 5,000)

Optional Add-Ons for Enhanced Coverage

Earnest gives you the flexibility to enhance your group medical plan with value-added features tailored to your team’s needs:

Dental Coverage

Consultations, fillings, extractions, gum and root canal treatment
Excludes cosmetic treatments, implants, and orthodontics

Optical Coverage

Vision tests and one pair of corrective lenses per year
Excludes frames, contact lenses, surgeries, and cosmetic procedures

Global Assistance Program

Access to emergency medical assistance outside the UAE
Support through global service providers

Transportation Cover for Treatment Abroad

Airfare and medical referral-based travel for treatment outside the UAE
Coverage extends to an escort if medically justified

Wellness & Preventive Care (Custom Add-On)

Annual health screenings
Vaccinations and lifestyle coaching (upon request)

Corporate- Employee Benefits

Why Choose Earnest Insurance Brokers?

Customize plans to meet budget and workforce needs
Simplify onboarding and claim processes
Ensure 24/7 access to support and medical assistance
Maintain compliance with UAE health insurance regulations
Provide employee workshops to explain policy usage

Our Reviews

Hear from Our Happy Clients

      EXCELLENT  
   Based on 2520 reviews 
    
 
 
 
   
 
 
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   Joseph Debattista 
 
 
 
 Trustindex verifies that the original source of the review is Google. Fast and efficient 5 ⭐️
  
 
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   Betty Au Yeung 
 
 
 
 Trustindex verifies that the original source of the review is Google. I am writing to express my sincere appreciation for the outstanding support provided by Reema Mathew at Earnest Insurance Brokers. Reema went above and beyond to secure a No Claims Certificate for us, demonstrating incredible persistence and professionalism while following up with the insurance company. Her communication was prompt, clear, and proactive throughout the entire process. I highly recommend Reema for her dedication and excellent customer service.
  
 
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   Ephraem Beniahan 
 
 
 
 Trustindex verifies that the original source of the review is Google. Sharanya is very helpful
  
 
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   Mohammed Salman 
 
 
 
 Trustindex verifies that the original source of the review is Google. Thank you Damin for helping me with the claims for my car. It took some time but im glad the process was smooth.
  
 
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   shammiraj.s Raj 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had an excellent experience with this insurance company, especially with Ms. Sharanya, who handled my car insurance policy. She was extremely professional, knowledgeable and patient in explaining all the details clearly. She took the time to understand my needs and suggested the best coverage options without any pressure. Her dedication to customer service made the entire process smooth and hassle-free. I truly appreciate her support and would highly recommend her services to anyone looking for reliable insurance assistance.
  
 
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   Isuru Kathriararchchi 
 
 
 
 Trustindex verifies that the original source of the review is Google. Got insurance for my new car, and the process was quick and hassle-free. Manisha was very helpful and responsive throughout. Highly recommend their services for anyone looking for insurance at a reasonable price
  
 
      Posted on Google  
   
   Kovilikonda Harish 
 
 
 
 Trustindex verifies that the original source of the review is Google. It was a great service thank you, especially sharanya is the best, she helped me a lot
  
 
      Posted on Google  
   
   Tanveer Hussain 
 
 
 
 Trustindex verifies that the original source of the review is Google. My preferred partners for any insurance requirements - motor, health. I have used Earnest services for a decade now. I approached them for motor insurance. Sharanya and Tobin Tomy were quick to address my needs and offer me options. They always manage to get me best rates, prompt service.