for small and medium enterprises
Our group health insurance is designed to look out for your employees, leaving you free to look after your business. Extensive coverage, along with strong technical support, round-the-clock customer care, and seamless claim processes all contribute towards making high-quality healthcare easily accessible to your employees, to keep them feeling safe, secure, and motivated.
Your organisation is as strong as the employees who work there. In small and medium enterprises, particularly, the health of employees directly impacts that of the organisation. This health insurance plan has been specially designed for small and medium enterprises, and to secure the health of those who work for them against all unforeseen events.
for small and medium enterprises
matching for all your medical requirements
with different combinations of benefits and networks
and their dependents across all Emirates
including a dedicated account manager to assist and support you through the policy year
of policy administration and claims handling through a wide range of digital solutions
networks with direct billing access at 3400+ facilities
in the event of any emergency.
The Union Insurance health insurance plan is accompanied by a special value-added service known as BALSAM. It comprises several carefully designed programs that provide relief to certain areas that aren’t covered under traditional health insurance policies. You can visit the Balsam section on our website to know more.
A special set of programmes that go beyond the scope of usual insurance.
Over 35 employees comprising the insurance industry’s most experienced and respected professionals.
A strong technical and analytical underwriting (UW) team, with rich experience in risk assessment and gap analysis to help both individuals and companies choose the best suitable insurance products.
Extensive experience drawn from successfully assisting thousands of individuals and groups with suitable plans for their insurance requirements each year.
A professional Healthcare Management Centre and Business Relationship Unit that provides unique services to our policyholders, ensuring high levels of customer satisfaction.
A dedicated claims unit staffed by highly qualified medical personnel, including doctors, pharmacists, dentists, and nurses, to efficiently handle every aspect of a medical claim, while keeping a vigilant eye on customer needs.
Dedicated channels of communication for claims and approvals, along with a 24/7 helpline number in case of any sort of emergency, to ensure that policyholders can reach us whenever they want, from wherever they are.
Extensive health support for our policyholders, through second opinions from the best medical professionals, either from the local market or internationally, if required. This ensures that our policyholders receive the correct treatment based on the best practices worldwide.
Service support from a highly automated process for optimal self-services in areas including enrolment, data updates, submitting claims, and more., to save you time and resources.
Health insurance covers a variety of services, that range from outpatient visits to major medical expenses. Different plans carry different benefits, so it’s important to determine your particular requirements before buying a specific plan.
We offer a wide range of benefits, including inpatient treatment, emergency treatment, preventive care, and more. However, in this context, one size doesn’t fit all. We will be happy to help you choose a plan with the most effective benefits for your needs. Visit the healthcare section on our website, or e-mail us at email@example.com for further information.
All citizens and residents of the UAE. Please note that in the Emirates of Abu Dhabi and Dubai, health insurance coverage is mandated by law, and it should be provided to you by the sponsor of your visa, regardless of whether the sponsor is a company or an individual.
Union Insurance provides a detailed Table of Benefits (TOB) for each issued policy. If you hold an individual cover, you may find the TOB in your policy contract. However, if you’re insured through your employer’s group scheme, you will need to contact their Human Resources department (or whichever department arranged the insurance) for the policy benefits.
Services or benefits that are not covered by a policy are known as ‘exclusions’. Union Insurance provides you with a detailed exclusion list for each policy. The lists clearly describe the services and benefits that are exempt from that policy. The exclusion list is part of the official health plan offer, along with the benefits and premium. If you are an existing policyholder, you will find the exclusion list in the policy contract.
In this context, emergencies refer to life-threatening situations, caused by a sudden onset of illness, injury, or medical condition, manifesting in the form of acute symptoms of sufficient severity (such as serious pain), that require immediate and unscheduled medical care.
Pre-existing conditions refer to medical conditions or bodily injuries which were diagnosed or treated prior to applying for health insurance. Most pre-existing conditions are covered by UIC, if disclosed by customers at the time they apply for coverage.
This is subject to your policy terms and conditions. Please refer to your policy contract and the table of benefits to learn about geographical limits and other relevant information. If coverage outside the UAE is available under the terms of your policy, it is likely that you will have to pay the full cost of treatment before applying for reimbursement. The reimbursement claim will be settled according to the terms and conditions of your policy.
Union Insurance no longer prints physical health cards. Instead, to make things more convenient for our insured members, we activate coverage on their Emirates ID. In addition to that, we provide a PDF copy of the card which is known as an E-card.
E-cards are available to corporates on our health portal. However, individuals (whether enrolled through a group or individual policy) can access their personal E-card using the UIC mobile app. You can learn more about the app on our website. Click here.
Since we link your insurance policy to your Emirates ID card, presenting the card to any medical provider will enable them to identify your policy.
You may also access your policy details, and download your E-card, through the UIC mobile app. You can learn more about it here.
While medical providers can usually identify your insurance coverage through your E-card, it is not an identification document. It is strongly recommended you carry your Emirates ID or any other valid proof of identity on you as well.
No. They must each be renewed separately according to their own expiry dates. If your Emirates ID is due for renewal, but your insurance policy is still valid, you can still access medical providers by presenting your E-card along with any other valid proof of identity.
The app is available to all our policyholders via a free download from the Google Play Store for Android users and the Apple Store for iOS users. Just search for “Union Insurance” in the applicable store.
No, TPA (Third Party Administrator) is a company that works closely with insurance companies to provide different services, such as networking with medical providers (clinics, hospitals, pharmacies, and laboratories), and arranging claim management support.
We recommend that you visit medical providers within your network, as this will make you eligible for direct billing mode access - all you need to do is present your Emirates ID and/or E-card to the medical provider’s staff. Your applicable network will be displayed to you once you log into the UIC mobile app. Click here for information on navigating the app.
You may also find your network on the Union Insurance website, by searching the TPA & network name mentioned in your table of benefits and e-card.
Not for emergency treatments. Elective outpatient treatment approvals, however, are issued within an hour. Inpatient treatment approvals are issued within 24 hours. Please note that the medical provider’s staff will arrange all approvals, as long as that provider belongs to your network.
Non-network access is subject to policy terms and conditions. If it is available in your policy, you will have to pay the full cost of treatment before applying for reimbursement. The reimbursement claim will be settled according to the terms and conditions of your policy.
Direct billing is a term generally used for cashless treatment, wherein the network provider (clinic, hospital, pharmacy, or lab) you have visited, submits your bills directly to the insurance company for payment. Depending on the type of policy you choose, you may be requested to pay a small portion of the bill directly to the medical provider.
Direct billing enables you to avail your coverage to the full. However, it can only be used with medical providers in your network, which is why we strongly recommend you visit those providers only.
It is the portion of eligible medical expenses (usually a fixed percentage of all inpatient or outpatient services) which the policyholder is obliged to pay. Consult your table of benefits for more information.
A deductible (excess) is the amount deducted from a claim medical expense which is specified in monetary units (i.e. 25, 50, or 75 dirhams) and which is applied to the medical services (e.g. doctor’s consultation fees) specified in the policy document. The amount is paid by the policyholder. You will find more details in your policy document and table of benefits.
You can submit your reimbursement claim through the Union Insurance mobile app, or through the Health Claims section on our website.
Yes, you must submit your request, along with all the supporting documents, within 30 days of the claim occurrence.
Reimbursement claims will be processed and settled according to your policy terms and conditions within 14 days of the claim being successfully submitted.
The required documents will be mentioned during the submission process. Please note that Union Insurance reserves the right to request any additional document related to the claim.
You can download it on the mobile app or find it in the Health Claims section of our website.
You can track the status of your claim through the app or on the Health Claims section of our website.
You may select the preferred mode of payment at the time of submitting your claim. You will be given a choice between bank transfers and cheques.
The reimbursement terms are clearly explained in your policy contract and table of benefits. Besides a reduction in the amount due to coinsurance or deductibles (defined in your table of benefits), the claim settlement may be reduced for Usual, Customary, and Reasonable (UCR) charges - the amount paid for a medical service in a geographic area based on what providers in that area usually charge for the same or similar medical services.
The Union Insurance health insurance plan is accompanied by a special value-added service known as BALSAM. It comprises several carefully designed programmes that provide relief to certain areas that are not covered under traditional health insurance policies. You can visit the Balsam section on our website to know more. You can also send an email to firstname.lastname@example.org for more details, or register for the programme through the UIC mobile app.
The TPA Call Centre is available 24/7. The number is listed on your E-card.
You may also contact Union Insurance through one of the following channels:
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