Group Medical Health Insurance – Large Corporate
At eSanad, we specialize in delivering competitive, reliable, and compliant health insurance solutions designed for UAE businesses. Our approach balances cost savings with quality care, ensuring employees are supported while companies stay in control of rising premiums.
We start by securing smart, competitive pricing through full market benchmarking, giving you transparent comparisons without hidden trade-offs. Our tailored medical networks are built around where your people actually seek care, reducing travel time and maximizing cashless access. For organizations needing Sharia-compliant plans, we simplify Takaful options from the start, making compliance with DHA and DOH requirements effortless.
When it comes to claims, we act as your single point of contact—managing approvals, tracking, and escalations so your HR team and employees don’t waste time chasing insurers. Finally, we focus on sustainable savings with quarterly performance reviews, wellness programs, and plan designs that cut waste while keeping benefits strong.
In short, eSanad provides corporate health insurance in the UAE that’s competitively priced,people-focused, and built to protect, year after year.
Who qualifies as Large Corporate?
Large corporate medical insurance is built for organizations with 200+ employees. At this scale, benefits aren’t just a cost—they’re a critical part of talent retention, employee wellbeing, and HR efficiency.
What is the difference between Dubai & Abu Dhabi Visa Holders when it comes to the benefits and regulation requirement:
Dubai Visa Holders (DHA)
The Dubai Health Authority (DHA) sets and enforces health insurance regulations. Only DHA-approved insurers may issue policies in Dubai. Policies must meet the Essential Benefits Plan (EBP) requirements—including inpatient, outpatient, emergency, and maternity coverage.
Abu Dhabi Visa Holders
Regulated by the Health Authority – Abu Dhabi (HAAD). Employers must provide a basic health plan covering employees and up to three children (under 18) plus spouses. Coverage must include general consultation, specialist care, maternity services, and emergency treatment.
Our SME Promise
Smart Spend, Serious Cover – Strategic procurement with insurer benchmarking across the UAE market.
Network Optimization – Geo-mapping employee usage to cut commutes and maximize cashless claims.
Takaful, Seamlessly Integrated – Sharia-compliant, DOH/DHA-approved, and competitive.
Dedicated Claims Concierge – Scalable support for HR, from pre-approvals to escalations.
Performance-Driven Design – Loss ratio analysis, wellness programs, and plan levers engineered to protect while controlling spend.
Performance-Driven Design – Loss ratio analysis, wellness programs, and plan levers engineered to protect while controlling spend.,
Strategic Spend, Maximum Value
Large corporates spend millions annually on health insurance. We re-market policies, negotiate with top insurers, and ensure you get the strongest terms in the market.
Why it matters
Premiums rise every year, but unchecked costs erode profits
Your benefit
Sustainable, competitive premiums year after year.
Network Optimization That Works
We use employee usage data and geo-mapping to customize network tiers that balance convenience with cost control.
Why it matters
Poorly designed networks lead to high reimbursements, wasted spend, and dissatisfied employees.
Your benefit
Reduced waste expense, better access, and higher employee satisfaction.
Takaful, Seamlessly Integrated
We offer fully Sharia-compliant plans that meet DHA and DOH requirements, aligning with your company's values.
Why it matters
Non-compliant plans can trigger penalties, visa rejections, or reputational risks.
Your benefit
Compliance guaranteed, faith-aligned coverage, and simplified approvals.
Dedicated Claims Concierge
We manage the claims journey from start to finish—approvals, follow-ups, escalations, and reporting—at scale.
Why it matters
With thousands of employees, claims admin can overwhelm even large HR teams.
Your benefit
Faster resolutions, less HR workload, and employees who feel cared for.
Data-Driven Plan Design
We engineer plans that are built to protect while reducing waste. Our quarterly performance reviews and loss ratio analysis keep you informed, while wellness initiatives like health days and awareness sessions help prevent claims before they happen. On the plan design side, we apply practical levers—sensible co-pays, fair room limits, generic-first pharmacy rules, and preventive care add-ons—to keep costs down without sacrificing care.
Why it matters
Without active management, premiums spiral, and value is lost.
Your benefit
Predictable costs, stronger protection, and healthier employees long-term.
Frequently Asked Questions
Q1: What is large corporate medical insurance?
A: This type of cover is designed for businesses with 200 or more employees. It offers comprehensive,tailor-made health solutions with greater flexibility and access to premium networks.
Q2: Is it mandatory for large companies to provide health insurance?
A: Yes. All employers in the UAE must provide medical insurance for their employees. In Abu Dhabi, dependents (spouse and up to three children under 18) must also be covered.
Q3: What is the difference between Dubai and Abu Dhabi visa holders?
Dubai: Employers must insure employees. Dependents are the employee’s responsibility.
Abu Dhabi: Employers must insure both employees and their dependents (spouse plus three children under 18).
Abu Dhabi: Employers must insure both employees and their dependents (spouse plus three children under 18).
Q4: What additional advantages do corporate plans offer?
A: Corporate plans allow full customization, including dental, optical, maternity upgrades, and international coverage. Companies also gain access to detailed claims analysis, loss-ratio reporting, and wellness programs.
Q5: How is pricing determined for corporates?
A: Premiums are based on group size, employee demographics, historical claims data, and utilization trends. Larger groups benefit from stronger negotiating power with insurers.
Q6: What types of networks are available?
A: Corporate clients can access extensive premium networks, including international coverage and VIP facilities, while SMEs are generally limited to standard local networks.
Q7: How are claims handled for corporates?
A: Dedicated account managers and claims teams are usually assigned. Employers receive detailed reports to monitor usage, trends, and cost drivers.
Q8: Why should corporates invest in enhanced medical coverage?
A: Comprehensive health insurance improves employee wellbeing, reduces absenteeism, helps control long-term medical costs, and strengthens the company’s position as a preferred employer.
