IntegraGlobal Health Insurance

An independent review by our team of experts.

Review summary

IntegraGlobal

IntegraGlobal was established in 1999 in the UK; it is an international health plan provider to organisations and individuals seeking unique health protection needs - such as expatriates, marine professionals, and those facing specialised risks.

IntegraGlobal aims to provide outstanding protection, excellent value, and hands-on unbeatable personal service.

In the UAE, they have partnered with Salama Islamic Arab Insurance Co. to provide services to clients in the region.

Overview

IntegraGlobal provides two different medical insurance products to individuals and families.

The PremierHealth plan is a premium medical insurance plan aimed at affluent individuals looking for access to the best care worldwide. This plan provides  comprehensive cover with access to lifestyle wellness benefits, advanced health screening benefits, a blood care programme and a lot more.

The yourLife health plan is a slightly less superior plan in comparison to the PremierHealth plan; it is designed to provide protective care to the individual in a convenient and efficient manner.

This plan also provides comprehensive cover with limited lifestyle benefits such as routine health check, preventative exams, vaccinations and several other benefits.

Individual medical insurance plans offered by IntegraGlobal:

Premier Health - Premier Life & Premier Family plan

  1. Policy year maximum plan benefit AED7,350,000 ($2,000,000 USD)
  2. Hospitalization benefits
  3. Preventative benefits
  4. Outpatient benefits
  5. Maternity and newborn cover (per pregnancy)
  6. Wellness and routine services
  7. Vision care cover
  8. Emergency evacuation, repatriation and ambulance services
  9. Medical concierge services
  10. Mental health benefits
  11. Expatriate assistance programme for issues such as coping with isolation and loneliness, culture shock, personal impact due to relocation etc.
  12. Accidental death and dismemberment
  13. HIV AIDS treatment
  14. Durable medical equipment
  15. Cover for pre-existing conditions

Your Health - yourLife & yourFamily plan

  1. Policy year maximum plan benefit AED 5,500,000 ($ 1,500,000 USD)
  2. Hospitalization benefits
  3. Preventative benefits
  4. Outpatient benefits
  5. Maternity and newborn cover (per pregnancy)
  6. Wellness and routine services
  7. Vision care cover
  8. Emergency evacuation, repatriation and ambulance services
  9. Mental health benefits
  10. Expatriate assistance programme for issues such as coping with isolation and loneliness, culture shock, personal impact due to relocation etc.
  11. HIV AIDS treatment
  12. Durable medical equipment
  13. Cover for pre-existing conditions

Group medical insurance plans offered by IntegraGlobal:

IntegraGlobal aims to provide medical insurance to companies with staff located overseas, and is therefore popular with expatriates in the UAE, especially Dubai and Abu Dhabi. They offer a choice of five health plans to meet the requirements and budget of a given organization.

Plan BA

  1. Inpatient/day patient
  2. Outpatient
  3. Evacuation/repatriation

Plan BM

  1. Same as plan BA plus
  2. Maternity

Plan BW

  1. Same as plan BA plus
  2. Wellness
  3. Dental
  4. Vision care

Plan BC

All the above benefits

Premier

  1. Same as BC plus:
  2. Best possible outcome programme
  3. Advanced health screening
  4. Complimentary medicine
  5. AD&D Benefit $100k

For a complete list of benefits with details and limitations under the above plans, please refer to the brochures in the resources section, or contact us for more detailed information.

The pros

  • High dental cover
  • Easy sign up online
  • No need for medical card in the UAE
  • Government issued Emirates ID can be used
  • IntegraGlobal or MedNet apps for claims
  • Expat assistance programme provides counseling services and support 24/7
  • Additional services such as accidental death and dismemberment provide a lump sum pay out
  • Well priced with numerous benefits for expatriates living in the UAE
  • In 2016, 70% of the individual plans had no claims
  • IntegraGlobal maintained their prices whilst other competitors increased their premiums therefore
  • Individuals can pay quarterly instead of annually

The cons

  • 5 fixed plans that aren’t flexible enough
  • Only co-insurance option without any deductibles
  • Noncompetitive on groups of over 100 employees
  • Medical declarations for groups of under 25 members
FAQs
Which hospitals, clinics and pharmacies can I have access to if I am insured with IntegraGlobal?

Please refer to the brochure in the additional resources section below.

How long does it take for a claim to be processed?

After submitting a claim, reimbursements can be expected within seven to 10 days through a bank transfer.

How do I make a claim if I’ve used a provider outside the network?

To file a claim, please fill out a claim form, attach a copy of their invoices and email it to their claims department at ig-contact@integraglobal.com.

The reimbursement can be expected in 7 days.

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

Yes, you can review the claim status via the MedNet mobile app available on the App Store and Google Play stores. You can also review the claim online.

Alternatively, you can call the UAE helpline on +971 4 404 0117 to follow up on your claim. 

Customer reviews
Stable and satisfactory

We're currently benefiting from the nil increase feature and as a result our spend is manageable, whilst weretain benefits from a very good insurer.

Employee feedback is positive on the whole...we keep our benefits and spend under close review with AESMEIB...but so far, we're staying with IntegraGlobal.

Expert verdict
Expert Assessment of IntegraGlobal

IntegraGlobal is a great option for expatriates looking for an international product at an affordable rate in the UAE. They provide hassle free plans with high levels of benefits at competitive rates. They also offer a ‘nil increase’ feature on renewals of policies that haven’t been utilised.

IntegraGlobal focuses on integrating technology into its offering to enhance its members’ experience. This has enabled them to offer online claim submission through the MednNet portal and mobile app that provides quick reimbursements (even for treatments taken outside of the network).

The group medical insurance costs have remained stable in recent years, offering benefit rich alternatives to the larger international insurers.

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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