If you'd like to read our full terms and conditions, you can download the Benefit Guide for each plan.
Taking care of you and your team
Group Health Insurance in Abu Dhabi & Northern Emirates
UAE plans are offered through our partnerships with Orient Insurance and NextCare. In the context of this page We/Our/Us is Orient Insurance PJSC.
Why choose us?
Benefit Guide
Get in touch with our team
Hospital Networks in the UAE
Depending on the type of cover you arrange for your group, members will be able to be able to access different elements of our extensive hospital network in the UAE.
Groups with a Direct Settlement group Expat Insurance Plan for the UAE (excluding Abu Dhabi) have the choice of four hospital networks.
Comprehensive Network
No Exclusions
Comprehensive Network excl. CCAD
Excludes Cleveland Clinic Abu Dhabi
Standard Network
Excludes Cleveland Clinic Abu Dhabi, OP at American Hospital, Hospitals under Mediclinic Group
RN Enhanced Network
Please refer to the RN Enhanced network list for the full details on included providers
Groups that choose one of the Direct Settlement plans for Abu Dhabi and Northern Emirates will have access to a complete network of medical providers in the UAE.
Groups with an AD Direct Plus Core Plan can choose between the “General Plus Network including SEHA Providers” (GN+ incl. SEHA), the “General Plus Network” (GN+) or the “General Network” (GN).
Groups that choose the AD Direct Core Plan have access to the “General Network” (GN).
Why Choose Allianz*?
As world leaders in international health insurance, Allianz Care* has the expertise and experience to provide a comprehensive solution for expats and local nationals living in Abu Dhabi and the Northern Emirates.
Choosing Allianz* makes sense
Comprehensive network
We’re proud to offer our group members access to a comprehensive network of providers in the UAE.
Direct settlement
We offer cashless access to hospital treatment, where possible. This means the provider bills us directly.
Exceptional cover
Our plans include an exceptional level of cover for chronic conditions**.
* through our partnerships with Orient Insurance and NextCare.
** For Underwritten Products, Terms and Conditions regarding Pre-Existing Conditions or Previous Medical History will apply.
FAQs
We know you might want more information about international health insurance, so we've put together a list of our most commonly-asked questions right here.
International insurance with Group terms can be offered when there are three or more staff members.
For groups wishing to get a quote for international health insurance, please contact our Sales Support Team who will be happy to provide you with a quote based on your requirements.
Generally, all insured members within an international healthcare group will have the same level of cover. However, for larger groups, we are able to accommodate different levels of cover through the creation of sub-groups. For further information, please contact our Sales Support Team.
Moratorium underwriting sets a waiting period for pre-existing medical conditions to limit the insurance risk. This means that:
- You won't need to tell us about pre-existing conditions of any member to be covered when you apply.
- There will be a 24-month waiting period before claims for any pre-existing medical conditions may become eligible.
- Pre-existing medical conditions may be covered, provided the member did not have symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition. This is suitable for individuals or groups where members have no pre-existing conditions.
- Claims Process may be longer as each time we receive a claim, we'll look at the member medical history. We may also ask for additional information to understand if the symptom or condition is new or pre-existing.
- This option is available to individuals or groups with 3 to 9 policies
- Availability of Moratorium Underwriting is dependent on geographical location and the relevant local country regulations in place.
Full medical underwriting is when we assess the insurance risk before cover starts. This means that:
- You’ll be asked to complete a medical questionnaire for each person to be covered, telling us about pre-existing conditions when you apply.
- Pre-existing conditions may not be covered (or there may be a surcharge to cover pre-existing conditions). Members will be asked to complete an application form disclosing their medical history before cover starts. Our underwriting team will then assess the information and decide if we are able to offer cover for medical conditions disclosed on the form.
- Claims process is shorter because we already know if pre-existing conditions are covered.
- This option is available to individuals or groups with 3 to 9 policies.
Medical History Disregarded terms is when members’ health information is not assessed. This means that:
- You won't need to tell us about pre-existing conditions of any member to be covered.
- Pre-existing conditions are usually covered.
- Claims process is shorter because we already know that pre-existing conditions are covered.
- This option is usually offered to groups with more than 10 policies.
Allianz Care offers Emergency Healthcare Plans for groups who only wish to cover the medical emergencies of employees travelling abroad. The group can be covered for single or multiple trips to the region where the healthcare plan is held for up to or a combined maximum of either:
- 90 travel days per insurance year each
- 180 travel days per insurance year each
* Please note that the purpose of this insurance plan is to provide medical care during emergency situations. Any ongoing or further treatment that is required after the emergency situation is not covered by this policy. The areas of cover are subject to our terms and conditions
We offer coverage and support for most countries around the world with certain locations supported via specific regional plans. For specific group coverage queries, please contact our Sales Team, and they will be happy to assist you.
We generally cover pre-existing conditions (including pre-existing chronic conditions), unless we say otherwise in writing before policy inception. If your underwriting terms are moratorium or CPME/CTT (previously MORI), there will be a 24-month waiting period before claims for any pre-existing medical conditions may become eligible. Once you’ve completed a continuous 24-month period after your start date, your pre-existing medical condition may be covered, provided that you’ve not had symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition.
For further information, please contact our Sales team.
For further information, please contact our Sales team.
If you want more information on international health insurance for a group or would like a quote, get in touch with us.