Group vs. Individual Health Insurance in UAE Key Differences

Feature

Group Health Insurance

Individual Health Insurance

Coverage

Covers a group of individuals under a single policy, usually provided by an employer for employees and sometimes their dependents.

Covers an individual with a policy tailored to their specific healthcare needs.

Cost

Generally more cost-effective as the employer bears part or all of the premium costs, making it a more affordable option for employees.

Can be more expensive since the individual bears the full premium cost, which is based on factors like age, health condition, and chosen coverage.

Customization

Limited flexibility, as the employer chooses a standardised plan for all employees. Employees cannot alter coverage options.

Highly customizable, allowing individuals to select coverage, hospital networks, and additional benefits based on personal needs.

Eligibility

Available only to employees of a company and sometimes extends to dependents. Coverage typically ends when employment is terminated.

Available to any individual, regardless of employment status. Coverage continues as long as premiums are paid.

Renewability

The employer handles renewal, and employees have little control over changes in the policy.

The policyholder has full control over renewals, modifications, and upgrades based on personal preferences.

Pre-existing Conditions

Often covers pre-existing conditions without additional premiums or long waiting periods, as coverage is extended to all employees equally.

May have restrictions such as waiting periods or higher premiums for pre-existing conditions.

Medical Network

May have a fixed network of hospitals and clinics, depending on the employer’s chosen provider.

The policyholder can choose a network that suits their needs, including local and international coverage options.