International
Group Medical
Advice & Solutions

Some of the things that set us apart:

1. You’ll get a highly tested, technically excellent plan tailored to your company’s budget and goals.
2. You’ll get privileged access to leading international insurers through our economies of scale and extraordinary plan matching system, which are unavailable to other businesses. Our market knowledge and commitment means we get to know what works for you and our well-being team will focus on prevention instead of cure.
3. You’ll receive a high-touch, individualised, team-orientated service to help keep you compliant, educated and comfortable with your benefits and market changes.
4. You’ll experience the clarity, confidence and control that comes from a well-defend plan management service and from working with a highly qualified, professional, supportive and impartial team.
5. You'll work with a stable team at a large, independent, well-established and multi-national firm. 
6. You'll get a flexible, diversified, systematic insurance process which extends across a range of protection benefits and your account will be managed in line with a market leading service level agreement. 
7. Your fees are fair, annually benchmarked and designed to maximise the value you get.

As your broker, AES International will save you money, headaches, heartache and improve the benefits you get for your spend. 

We specialise in providing high-end consultative medical insurance broking services that deliver demonstrable value added benefit.

We work with SME and corporate clients who care about their people and value our high level of technical expertise, experience, transparent and compliant approach to demonstrating value. 

We feel our offering is the best medical insurance broker service in Dubai.

You should be monitoring the market with your broker throughout the year, and be aware of a strategy well before the renewal.

We recommend starting to get quotations in from 3 months prior to your renewal, with the goal of finalising 3 weeks before renewal date.

This allows time for cards to be delivered and on-boarding presentations to be done for your staff.

Yes.

The broker payment is taken out of the insurer’s fixed costs so you will always get the same rates whether you use a broker or go direct. 

The insurance company will pay a fee to the brokers once the policy has been signed up.

This averages at 10 – 15% in the market.  You are entitled to ask your broker what exactly they have earned from you, and how they feel they have earned their money.  Whether you choose to work with us or another broker, ensure your broker is working hard for you for their fee.

All brokers must also be regulated by the Dubai Health Authority.  You can find the list of compliant insurance brokers / intermediaries here:

http://www.isahd.ae/Home/PermittedIntermediaries

If your broker isn’t on this list, they aren’t legally allowed to place any business in Dubai.

Part of the application process required intermediaries to have the following: 

• Complaints handling procedures and complaints log
• Training of competence scheme for advisors
• Code of conduct for advisors
• Data protection and client confidentiality policy

For groups over 100 the insurance company should always release your claims data in a specific Dubai Health Authority format.

This isn’t always required to take out a new plan, however you are always entitled to it.

For groups under 50, generally claims data won’t be required and you can sign up on standard off the shelf plans and rates.

Medical insurance in Dubai is now directly linked with visa processing.  So, before a policy will be issued, the insured person’s details will need to be uploaded to the GDRFA (General Directorate of Residency and Foreigners Affairs).

In order to do this, they will require a visa, passport, Emirates ID and other basic information that will be presented in an excel census format.

Cards are usually printed within 3 – 10 working days (depending on the insurer).

For larger corporate schemes, they can sometimes be printed prior to payment.

However, for SME’s and individuals, cards will only be printed once payment is received.

In the UAE, medical inflation averages between 9 – 12% each year.  This comes from the ever-increasing costs for medical treatment from providers.

Inflation is filtered down to you as insurers will look to increase their rates by around the same amount to ensure their plans are still priced correctly, competitively and ultimately profitably.