Generali Health Insurance

An independent review by our team of experts.

Review summary

Generali

The Generali Group is a leading global insurance and finance provider; it has presence in over 60 countries around the world.

Generali Employee Benefits (GEB) is a specialised business unit that provides high-quality insurance at competitive prices.  This network launched in 1966, and is headquartered in Brussels with regional offices in Frankfurt, London, Hong Kong, Parsippany, and New Jersey, USA.

GEB focuses on providing specialised medical insurance to multinational corporates around the world.

In the UAE, Generali has partnered with Dubai National Insurance, which was established in 1991.

Overview

Generali provides specialised health insurance services to businesses in the UAE. They focus on solving any employee insurance needs with high-quality products and customer service.

Corporate medical insurance plans offered by Generali include:

Select

  1. Annual maximum benefit of up to $ 1 million USD
  2. Includes the following:
    1. Hospital charges
    2. Organ transplant
    3. Acute chronic episodes
    4. Reconstructive surgery
    5. Parent & child accommodation
    6. Complications of pregnancy
    7. Newborn care
    8. Out-patient surgery & CT/MRI/PET scans
  3. Full cancer cover
  4. Full cover for renal dialysis
  5. Emergency in-patient dental treatment
  6. Rehab and therapies for up to 30 days
  7. Pre-and post-natal – in full, subject DHA (Dubai Health Authority) /HAAD (Health Authority Abu Dhabi) regulations
  8. Maternity of up to $10,000 in Dubai and full in Abu Dhabi
  9. In-patient psych for up to 30 days
  10. Home nursing 30 days
  11. Hospital cash $200
  12. Emergency cover outside area of cover $30,000
  13. Full cover for accidents
  14. Repatriation of mortal remains $13,000
  15. Local ambulance
  16. Emergency evacuation

Classic

  1. Annual maximum benefit of up to $ 3 million USD
  2. Includes the following:
    1. Hospital charges
    2. Organ transplant
    3. Acute chronic episodes
    4. Reconstructive surgery
    5. Parent & child accommodation
    6. Maternity of up to $ 20,000 in Dubai and full in Abu Dhabi
    7. Newborn care
    8. Out-patient Surgery & CT/MRI/PET scans
  3. Full cancer cover
  4. Full cover for renal dialysis
  5. Emergency in-patient dental treatment
  6. Pre-and post-natal – in full, subject DHA (Dubai Health Authority) /HAAD (Health Authority Abu Dhabi) regulations
  7. Maternity of up to $20,000 in Dubai and full in Abu Dhabi
  8. In-patient psych for up to 60 days
  9. Home nursing 60 days
  10. Hospital Cash $250
  11. Emergency cover outside area of cover $45,000
  12. Full cover for accidents
  13. Repatriation of mortal remains $13,000
  14. Local ambulance
  15. Emergency evacuation

Premier

  1. Annual maximum benefit of up to $ 4.5 million USD
  2. Out-patient consultations
  3. Diagnostic tests
  4. Chronic conditions
  5. Drugs and dressings
  6. Diabetic screening
  7. Physiotherapy – full refund
  8. Vaccinations – in full
  9. Complementary medicine - $5,000
  10. Durable medical equipment - $5,000
  11. HIV/Aids - $20,000 (3-year waiting period)
  12. HRT (Hormone Replacement Therapy) – in full
  13. Psychiatric treatment & psychotherapy - $5,000

All the above plans offer the below additional benefits:

  1. Dental treatment
  2. Routine check-ups cover
  3. Restorative cover
  4. Wellness/ screening tests
  5. Fertility treatment
  6. Annual eye tests, glasses, and contact lenses.

For further information please refer to the brochures in the resources section, or contact us for more detailed information.

The pros

  • One of the largest insurance companies in the world
  • Partnered with MedNet
  • Fast turnaround time
  • Modular products
  • Easy claim submission through the MedNet app (‘MedNet mHealth’) and online portal.
  • Decent maternity limits
  • High levels of alternative treatment cover
  • Competitive rates with below market average increases on renewals

The cons

  • No individual/family medical insurance
  • New to UAE
FAQs
Which hospitals, clinics and pharmacies can I have access to if I am insured with Generali?
Please refer to the MedNet network list in the additional resources section below.
How long does it take for a claim to be processed?

Claims are generally paid within 5-10 working days provided all documents are submitted accurately with all the required information.

You can follow up on the status of your claim by calling +971-04-390 0749/ +971(04)44501510.

Can I submit a claim online?

Yes, you can submit your claim online.

Can I review the status of my claim online? What are the other ways to follow up?

Yes, you can review the status of your claim online

Alternatively, you can also download the app – ‘MedNet mHealth’ from the App Store or Google Play Store as an exceptional solution to all your healthcare, needs when you’re insured with Generali.

Alternatively, you can also call +971-04-390 0749/ +971(04)44501510.

Customer reviews
Definitely a 5 star provider

Generali Employee Benefits has absolutely surpassed our every expectation.

Their modular products are first rate, the increases are fair to date, customer service is exceptional, turn around times for claims are outstanding.

We've had brilliant feedback from staff as well.

Cannot fault Generali fro our point of view.

Expert verdict
Expert Assessment of Generali

We’re impressed with Generali as they’ve only been in the UAE for two years and have managed to obtain a large client base. As they’re new, they offer highly competitive rates - however this might be subject to increase soon. On the first year of renewal, the increase was below the medical inflation of 9.5%, which represents great value for an international insurer.

Generali’s customer service is exceptional as they’ve invested a significant amount of time and money into their partner, MedNet. They have a dedicated team at MedNet that deal purely with Generali clients. They currently cater to small-medium businesses with 10-100 employees.

We’ve received excellent positive feedback from all our Generali clients and therefore are very satisfied with their insurance plans for employees in small-medium businesses in UAE, especially Dubai and Abu Dhabi.

The MedNet app is user-friendly and accepts out of network claims that are generally processed within 5-10 working days. Other large providers generally take 15 working days at minimum to process claims.

The modular product offering allows clients to build a plan that best suits them with options to include high limits for dental and fertility treatments.

If you are a business owner or HR professional in the UAE, you’re looking to save money on your employee benefits package and reduce your company medical insurance costs, we will review your current plans and related expenses. Please contact us or call us on +971 (0) 4559 4900.

At AES International, we focus on providing long-term solutions, tailored to an individual organisation’s needs, to help you improve overall employee wellness, drive up productivity and engagement, and enable you to manage your corporate medical insurance spend year on year.

“Thank you AES International for helping me and my family with your low cost no-nonsense approach. It is refreshing!”

Kristian Petersson

“With this sort of service you also expect to be paying very high fees, but it’s just not the case. I would definitely recommend AES.”

Jake van den Dries

“In the short time that I’ve been using AES I’ve made nearly ten thousand pounds and couldn’t be happier!”

Jackie Pym

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