Group Medical Insurance

Compliance made simple, care made powerful

Health insurance provides access to top-quality medical care when your employees are sick or injured. Important to all companies who wish to promote wellbeing and attract talent, health insurance is a vital component of your employee benefits programme. 

Buying group insurance policies and getting the full benefit are two different things: Howden consultants can help you offer more value to your people, without paying more. Our expertise, footprint in the market and solid relationships with insurers means we can arrange tailored people strategies that fit your needs precisely. 

We take the time to understand the nuances of your business upfront, design benefits and wellbeing initiatives to support your business objectives - and use analytics to make sure they deliver continued value.  

What makes Howden different?

Uncomplicated access to care

• Minimal underwriting so you can hire without hurdles
• Extensive networks of hospitals, clinics, and cashless services across the UAE
• Hospital-based insurance liaison officers to smooth claims and care coordination

Tech that works for your employees

• Smartie, our mobile app, helps employees instantly find efficient care—saving time and reducing costs based on personal usage insights
• Telemedicine connects staff to doctors from the comfort of home or office

Support that’s genuinely next level

• In-house claims team making sure assistance arrives before the stress does
• Usage analytics to keep your plan sharp, relevant, and high-impact
• Benefit communication that connects—not confuses—with your team
• Admin support that frees your HR to focus on what matters

Claims support with our own in-house claims department 

Expediting claims in a huge part of the broker’s role: we build in speedy claims resolution from the design phase, to save time and stress when it matters most. 

Utilisation analysis – to keep your benefits useful and used

As well as providing care, we conduct research and analysis into your staff’s use of the benefits. By studying trends around the take-up and usage of benefits, we can help fine-tune your package – and improve the wellbeing of your team.

Communicating your offering

As with all employee benefits policies, buying wellbeing and not communicating properly, is wasteful. We are on hand to assist and help you maximise the benefit.  

Helping HR save time and minimising admin 

We become an additional resource you can count on – we make sure enrolment and document processing is not a burden to you

We conduct policy reviews, monitor renewals, and facilitate enrolment, deletion and billings. 

Benchmark against your competition 

Compare your offering against other companies within your industry. 

Our own contact center

We’re ready to take calls and support 24/7.