Group & Individual Quotation
Terms and Requirements

Group Medical Quotation

  1. Minimum requirement to form a Group: 3 employees
  2. Group size between 3 – 9 employees
    – shall be subject to completion of Individual Medical application Form
  3. Group 10 employees – 70 members
    – shall be subject to Group Major Medical Declaration form and in any case members above age of 70 shall be subject to medical application form.
  4. Group with experience less than 200 members, we would require the following documents:
    a. Census list
    b. Official Table of benefit with inception and expiry date in the current insurance company’s letter head
    c. Target Premium
  5. Group with more than 200 members experience, we would require the following documents:
    a. Census list
    b. Official Table of benefit with inception and expiry date in the current insurance company’s letter head
    c. Loss ratio in DHA format
    d. Target Premium

Individual Medical Quotation

  1. Family Medical insurance is for Member who is employed / Employer residing in UAE along with his eligible dependents (i.e. Spouse and children)
  2. In case of any of the family member has insurance already; copy of the respective medical card is required.
  3. Child above age of 18 years shall be accepted on individual plan with proof of student ID or proof of employment.
  4. All the family members shall be under one plan only; no separate plan can be offered within
  5. Height and Weight is a must to be filled. Height to be filled in cms and weight in kgs.
  6. All the check boxes should be correctly ticked.
  7. The Medical application is valid for 30 days only and in case any application fails to confirm cover within 30 days in such scenarios fresh application shall be required.
  8. Any undeclared pre-existing conditions will not be covered the whole policy period.

Group & Individual Quotation Confirmations

  1. For new applications, all application documents for individuals or groups must be fully completed and available, otherwise the application cannot be submitted to us.
  2. The turn-around time (TAT) for cover confirmation:
    a. No pre-existing conditions: 1-3 working days
    b. With pre-existing conditions: 3-5 working days
    – For all pre-existing condition, we need latest medical report no longer than 3 months
  3. We will send you the cover confirmation along with the payment request
    D. As soon as we receive the proof of payment, we will start with the activation of the Emirates ID, health card printing and policy wording which takes 5 working days.

Timeline

  • Get a tentative Quote for individual polices
    – Up to 24 hours
  • Get a tentative Quote for group polices (group size 10 employees up to 200 employees)
    – Up to 24 hours
  • Cover confirmation for individual policies
    – Up to 3 working days
  • Cover confirmation for group policies
    – Up to 3 to 5 working days
  • Cover confirmation in case of preexisting conditions
    – Up to 3- 5 working days
  • Health card printing, Emirates ID activation & Tax invoice
    – Up to 5 working days after payment confirmation