Life Insurance Dubai

Life insurance is something you won’t necessarily see, which means it’s a difficult decision to make. If you do decide to make sure you’re leaving behind security for your loved ones, we at AFIA will do everything we can to make sure your policy is perfect for the situation, and will help you through every step of the way.

What questions you should ask when buying for group health insurance?

A healthier workforce leads to the wealthier business. Your employees have a great influence on the workforce leverage. If our employees become sick and unable to meet with the demands of the job, you would face a serious setback. So, you should value them and try to think about a plan that will safeguard their health and wellness.

Yet, selecting the group health insurance Dubai is not a simple task as it seems to be. Because a large number of people are relying on your wise decision and packages, you should choose the best one very smartly. A variety of factors should be overlooked while purchasing the group health insurance. Let’s have a look at them one by one,

Does the network coverage plan suit you? 
Network coverage is actually referred to the team of the medical professionals in the panel. For a larger organization, the larger panel is often selected. In the larger network, you would pay more and your employee will pay less. But, in the small organization, the network is not extensive enough. However, the premium charges of the employees may be increased somehow.

Does your plan have pediatric coverage? 
Pediatric, vision, and dental are the least coverage required in any plan. You should check that the plan that you’re offering should cover these three areas, because, if the plan is devoid of it, your employee could end up and won’t pay the premium anymore.

Is drug deductible included in the plan? 

Along with general deductibles, drug deductibles are also included in the plan. It leads to the higher premium which surely the employee won’t be willing to pay. Know about the deductibles included in your group health insurance Dubai plan.

Terms and policy for disabled people are another important factor that shouldn’t be ignored. Group health insurance Dubai can let you know each bit of the details, so get a complete knowledge about what you’re buying and then pay for it!

Why should you prefer group health insurance?

Before anything else, your health comes first! In order to be prepared for any medical emergency, health insurance plays an integral role in saving yours and your family’s life. Though, the health insurance is mandatory in Dubai, but still, if you’re not considering it important at all, then, it could be a big mistake of yours.
Does health insurance included in the package offered by your company? What kind of health insurance is this, group or single one? Don’t you think that you should go for the group health insurance Dubai?
Well, you would be thinking what the difference between these two is and which one would be more advantageous. Here are further details that you must know!

• Premium can be divided 

Yes, the premium charges often rise per annum or month and it could be very irritating for you. But, the best part of group health insurance Dubai is that you don’t need to pay the entire premium. The premium charges usually divided between the employer and employee.

• Multiple plans on your choice-list

Yes! Group health insurance is a myriad of affordable and convenient plans. Preferred provider organization, health maintenance organization, and point of service are the incredible options, offering different benefits with different premium charges.

• Extensive range of facilities 

From OPD benefits to maternity benefits, group health insurance Dubai covers every medical service. Also, you would get the hospitalization and related benefits in the plan. But, make sure that you should know about your limit per year.

No one wants to sick and get off from the work. So, for preventing any major condition, you should keep the regular checkups in routine and have a healthy life. Perhaps, don’t waste a single second and just submit the application for enrolling in group health insurance Dubai.

4 Tricks to show the value of group medical insurance to your employees

Group medical insurance Dubai is too worthy for the employer as well as employee. Though, the increased premiums of the group insurance sometimes become too much frustrating for the employee, but if you provide the complete details about the advantages of group insurance to your employees, they would surely love this opportunity.

If your employee is confused about rather the group insurance will help him or not, convince him through the following tricks,

1. Tell him the average company pay for group medical insurance 

Yes, it’s a key factor in order to clear the queries regarding the group health insurance. On average, company’s share of group medical insurance in Dubai is ranging from 30% to 80%. If you describe the premium to your employees, they would be more willing to get the group health insurance.


2. Your way of talking and body language should be convincing

Most of the employees would have the misconceptions and extra concern towards the premium cost raises. Let’s be straight and elaborative with them. If you don’t give them the entire details, they would give up and get frustrated. 


In order to keep the high level of trust with your employees, include your share of payment in the enrollment sheets and plans. By taking this measure, the employee would become more gratified and satisfied about your commitments and sincerity.


3.  Reveal all the facts

While enrolling the employees for Group medical insurance Dubai, just reveal all the facts related to the premiums. Once you explained every term and policy, your employee would less likely to be angry for the costs increment.

Why should every employee have group medical insurance?

You’ve purchased a new car today and now searching the best car insurer around you. Likewise other stuffs, your health and medical should also be insured. Does your company offer the group medical insurance Dubai? Don’t you think that you should get more information about it?

Well, group medical insurance is usually offered by the company to the employers as a benefit of working with them. Nowadays, the group health insurance is playing a central role in forging the strong relationship of the employer with the employee.

In fact, insurance is usually included besides with other advantages in the packages.

With the help of the group insurance, the employer would have the ultimate choice of plans that he/she will offer to the employees. In fact, the burden of premium cost is not just confined to the employer; the premium would be divided into the employer and employee. In this way, the premium charges could be reasonable for both. However,

it depends on the employer that which group medical insurance he will offer.

Group medical insurance Dubai has different options for small and large sized businesses based on their hired employee. Yet, the laws are also differing for the small group and large group of companies. Since, the medical insurance is mandatory for all the people living in Dubai, if you didn’t get the health insurance yet, ask your company about this opportunity. If your company is offering group medical insurance, then just grab this chance. Also, get the complete detail about the optional coverage, like dental and optical checkup.

Once you’re satisfied with the key factors included in your insurance plan, just confirm the group medical insurance Dubai. Because, nothing is more important than your health and life, you should take a serious action for maintaining the vitality of your fitness. So, group medical insurance shouldn’t be underestimated.