Group Medical Health Insurance – SME
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 SME?
SME group medical insurance is designed for businesses with 6 to 150 employees. Whether you're a startup scaling fast or a mid-sized enterprise managing steady teams, you need cost-effective plans that balance quality and affordability.
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 – Get CFO-friendly pricing without cutting corners.
Wider Networks – Employees covered where they actually go, reducing out-of-pocket spend.
Takaful Compliance Made Easy – Sharia-compliant and regulator-approved from day one.
Claims Concierge – One-stop support for pre-approvals and reimbursements.
Built to Save, Built to Protect – Quarterly reviews and smart design to keep premiums under control.
Perfect for SMEs who need affordability, compliance, and a broker who simplifies the process.
Smart Spend, Serious Cover
We know that health insurance is one of the biggest costs for any organization, which is why competitive pricing matters as much as reliable protection. At eSanad, we scan the entire UAE insurance market, benchmark plans side by side, and show you clear comparisons so you can choose wisely. Instead of selling the biggest package, we focus on real value—ensuring you get high-quality coverage at a cost you can stand behind.
Why it matters
Premiums rise every year, but that doesn't mean you should accept unnecessary costs. We monitor the market continuously and re-market your policy when better opportunities come along so you're never locked into outdated terms.
Your benefit
CFO-friendly pricing that protects your team without the bloat.
Care Where Your People Actually Go (The Network That Cuts Commutes)
A wide network looks good on paper, but what really matters is where your employees actually visit. That's why we design medical coverage around real usage. By mapping employee care patterns and tailoring the right network tier (CN, GN, or RN), we make sure your people have nearby access to trusted hospitals and clinics—without long commutes or surprise out-of-network bills.
Why it matters
The right medical network reduces wasted spend and keeps employees happier and healthier.
Your benefit
Better access, more cashless claims, fewer reimbursements, and a team that feels supported where it counts.
Takaful, Made Easy (and Fully Sharia-Compliant)
For many organizations in the UAE, offering Sharia-compliant health insurance isn't just a preference—it's a requirement. We build Takaful solutions into your plan from the start, making them both competitive in price and fully compliant with DHA and DOH regulations. Whether your team is in Dubai, Abu Dhabi, or spread across multiple emirates, we handle the paperwork, approvals, and alignment so you don't have to.
Why it matters
Compliance mistakes can cost time and money. By working with one broker, you ensure smooth onboarding, clear visa processes, and benefits that align with both company values and employee needs.
Your benefit
Faith-aligned coverage, simplified administration, and competitive pricing you can trust.
One-Stop Claims Concierge
Nobody wants to chase insurers, wait on hold, or dig through endless email loops when a claim is urgent. That's where we step in. eSanad becomes your single point of contact for everything from pre-approvals to payouts. We manage the follow-up, escalation, and status updates while your team focuses on care. We manage the follow-up, escalation, and status updates while your team focuses on care.
Why it matters
Every minute your HR team spends chasing claims is a minute lost. We free up that time while ensuring employees get the care they deserve without delay.
Your benefit
Faster claims, less stress, and a smoother experience that keeps employees satisfied and HR teams supported.
Designed to Save, Built to Protect
Rising premiums are a reality, but downgrading coverage isn't the solution. Instead, we engineer plans that are built to protect while reducing waste. Our quarterly performance reviews and loss ratio analysis help keep you informed, while wellness initiatives like health days and awareness sessions help prevent claims before they happen. On the plan design side, we offer practical cost-control tools like fair room limits, generic-first pharmacy rules, and preventive care add-ons—to keep costs down without sacrificing care.
Why it matters
Strategic design keeps coverage competitive year after year.
Your benefit
Predictable premiums, lower long-term costs, and stronger protection for your people.
Frequently Asked Questions
Q1: What is SME medical insurance?
A: SME medical insurance is designed for companies employing between 6 and 150 staff members. It provides affordable health cover while ensuring compliance with mandatory health insurance laws in the UAE.
Q2: Is medical insurance compulsory for SMEs?
A: Yes. Employers in Dubai and Abu Dhabi are legally required to 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 their staff. Employees are responsible for arranging cover for their dependents.Abu Dhabi: Employers must provide cover for both employees and their dependents (spouse plus three children under 18).
Q4: What benefits are included in SME medical plans?
A: Most SME packages include inpatient and outpatient treatment, emergency services, maternity care,diagnostic tests, and prescribed medication.
Q5: Can SME companies customize their plans?
A: Options are available, but most SME plans are offered in pre-designed packages with limited flexibility compared to corporate programs.
Q6: How are premiums calculated for SMEs?
A: Costs are influenced by the group size, employees’ average age, scope of cover, and whether dependents are included. Entry-level basic plans are available, with more comprehensive packages offered at higher premiums.
Q7: How are claims managed for SME employees?
A: Employees can access direct billing networks. Reimbursement claims are processed once invoices and supporting documents are submitted, typically within 7–15 working days.
Q8: Why choose a group plan over individual cover?
A: Group insurance provides lower per-person costs, guarantees compliance with UAE laws, and enhances employee retention by offering valuable benefits.
