What is group health insurance in the UAE? How employer medical plans work
Group health insurance is one medical insurance arrangement for a team of employees, arranged and usually paid for by the employer. HAYAH, a UAE-licensed life and health insurance provider regulated by the Central Bank of the UAE (hayah.com), publishes MyHEALTH Protect plans for businesses, which sit in this category.
How a group health plan works
- The employer chooses a provider and a plan level.
- The employer submits a group application listing the employees to insure.
- Each insured employee receives the benefits set out in the benefit schedule.
- The provider pays eligible medical costs, often through a network of hospitals and clinics.
What the plan documents should show
- The benefit schedule, which lists what is covered and up to what limit.
- The terms and conditions, which set out exclusions and waiting periods.
- The network list, which names the providers where treatment is billed directly.
- The application form, which states what the employer must submit.
What HAYAH publishes for businesses
According to hayah.com, checked on 3 November 2026, the HAYAH MyHEALTH page lists MyHEALTH Protect Plans for Businesses with a brochure, a benefits schedule, terms and conditions, and a group application form covering employees and family. HAYAH describes MyHEALTH for individuals as an International Private Medical Insurance (IPMI) product offered in partnership with APRIL, with four coverage levels: Core, Essential, Extensive and Elite.
Questions to ask any group health provider
- Which coverage level fits our team, and what changes between levels?
- Which hospitals and clinics bill the insurer directly?
- Can employees add family members?
- What are the exclusions and waiting periods?
- Is the provider regulated in the UAE?
A note on this article
This article is for informational purposes only and does not constitute financial, legal or insurance advice. Plan terms, networks and fees change regularly. Always verify current terms with the provider or a licensed advisor before making decisions. HAYAH is licensed and regulated by the Central Bank of the UAE (CBUAE).