2026 Pricing Snapshot: SME Group Rates

Multi year rate guarantees available for 24 and 36 months. Disclaimer: Premiums indicative, subject to underwriting, details, T&Cs.

Why This Matters in the UAE

Under Federal Decree-Law 11 of 2023 effective 1 January 2025, every UAE employer must provide compliant medical insurance for every employee and for dependents where contracts require. Dubai has enforced mandatory cover since 2014 (DHA Law 11 of 2013) and Abu Dhabi since 2006. Sharjah, Ajman, RAK, Umm Al Quwain and Fujairah are now federally mandated.

Penalties reach AED 500 per month per uninsured employee and visa issuance is blocked at GDRFA or ICP. The simpler path is one master policy through a broker who compares 37 approved insurer partners in one screen and runs renewals automatically. eSanad’s SME Group Medical platform is purpose built for companies with 3 to 500 employees. We compare Daman, Orient Takaful, Orient, Cigna, GIG Gulf, MaxHealth and more from a single dashboard.

The eSanad Advantage for SMEs

• True Comparison: One broker, true comparison across 37 approved insurer partners. No single-insurer bias.
• Census Uploader: Excel or CSV for instant bulk quoting.
• UAE Pass HR Signatory: Sign the master policy digitally with zero paperwork.
• Dedicated Claims Concierge: A direct line for your HR team to resolve hospital authorizations and reimbursements.
• Payroll Integration: Premium financing via WPS-integrated partners.
• Continuity of Coverage: Pre-existing conditions covered with continuity from your previous insurer.
• Live Renewal Dashboard: Automated alternate quotes 90 days before expiry.
• Sanad Club Rewards: 24/7 AI support and exclusive corporate member rewards.

Coverage Summary & Plan Options

Plan Design Options

• Contribution: 100 percent employer paid or employer and employee split.
• Tiers: Single plan for all, or tiered by grade (C-suite, managers, staff, labour).
• Geography: UAE only, GCC, worldwide excluding USA, or full worldwide.
• Add-ons: Dental and Optical opt-in per tier.
• Maternity: Statutory minimum or enhanced private room options.
• Network: Choose from Restricted, Standard, Extensive, or Premium provider networks.

What is Typically Covered

• Inpatient room and board, ICU, and surgery.
• Outpatient consultations and specialist referrals.
• Diagnostic services (MRI, CT, ultrasound, pathology).
• Prescription medication with standard co-pay.
• Emergency treatment worldwide (on premium tiers).
• Maternity including normal and C-section.
• Chronic disease management (Diabetes, hypertension, asthma).
• Mental health (20 sessions per year per MOHAP guidelines).
• Direct billing at 2,500+ UAE providers.

Typical Exclusions

• Cosmetic surgery unless post-trauma.
• Fertility treatments beyond specific IVF caps.
• Experimental or unproven medical drugs.
• Self-inflicted injuries and substance abuse.
• Professional sports injuries.
• War and terrorism beyond mandatory emergency care.

Compliance Checklist 2026

• DHA registered policy for every Dubai visa employee.
• DOH registered policy for every Abu Dhabi visa employee.
• MOHAP minimum for northern emirates staff (mandatory since 2025).
• Dependents cover if employment contract specifies.
• Continuous cover during visa renewal (no lapse permitted).
• Insurance certificate lodged with GDRFA or ICP for visa issuance.

Carrier Comparison for SMEs

E-E-A-T: Trust, Expertise & Practical Tips

Experience: SME placements across DIFC, ADGM, TECOM, DMCC, JAFZA, and all seven emirates since 2010.

Expertise: HR partnership team that integrates with major HRIS like Bayzat, Zoho People, and SAP SuccessFactors.

Authority: CBUAE Licence 273. DHA BRK-0017. ISO 27001 Certified.

Practical Broker Tips

• Tip 1: Tier by Grade. Run labour on DHA EBP and managers on Enhanced tiers inside one policy to save 10-20%.
• Tip 2: Declare Pre-existing Conditions. Declaring at inception for groups of 10+ lives ensures day-one coverage and prevents claim declines.
• Tip 3: Re-tender Every Renewal. eSanad auto-generates 3 alternate quotes 60 days before expiry, saving clients an average of 10-25%.

Customer Voices

Frequently Asked Questions

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