800 800 001
Best Health Insurance Companies in Dubai, UAE
With so many options available, choosing the right health insurance companies in UAE can seem confusing. To make it easier for you, we’ve prepared a list of the top 10 health insurance companies in UAE. These Health Insurance companies are trusted for their reliable coverage, great customer support, ...read more
4.6/5
28,697
ReviewsTrusted Customers
Insurance Partners
Policies Sold
AED 1 million Health cover starting @4/Day
Self Only
Both Self and Family
Family without Self
Domestic Workers
InvestorTop 10 Best Health Insurance Companies in Dubai, UAE - (2025)
If you need the best health plan in the UAE for complete family protection or just an affordable plan for yourself, this guide will help you find the right fit. Our list includes options for different budgets and health needs so that you can make the best decision for your well-being.
Top Health Insurance Companies Plans in UAE
Orient Health Insurance
Orient Insurance is one of the most trusted and financially stable health insurance companies in the UAE. With a strong legacy and broad plan options, it offers reliable coverage for individuals, families, and businesses.
📍Ideal for: Those seeking dependable, long-term health coverage with upgrade options
🏆Authority: Established in 1982 — rated A+ by S&P and AM Best
💰Annual Limit: Depends on plan tier — from EBP to enhanced packages
🌐Coverage: Inpatient, outpatient, maternity, mental health, dental, and optical
🩺Why it Stands Out: Strong financial backing and wide benefits, including global emergency cover
Takaful Emarat Health Insurance
Takaful Emarat offers Shariah-compliant health insurance plans tailored to individuals and families in the UAE. It combines Islamic financial principles with comprehensive medical coverage as per DHA guidelines.
Key Points:
📍Ideal for: Those seeking Islamic health insurance aligned with Takaful principles
🏆Authority: Established in 2008 — regulated by the UAE Insurance Authority
💰Annual Limit: Based on selected plan tier
🌐Coverage: Hospitalisation, consultations, lab tests, maternity, and preventive care
🩺Why it stands out: Member-based shared risk model with digital policy and claims services
Watania Takaful Health Insurance
Watania Takaful provides Shariah-compliant health insurance solutions for individuals, families, and businesses across the UAE. It follows cooperative insurance principles with tailored medical benefits.
Key Points:
📍Ideal for: Policyholders seeking ethical, Islamic-based health coverage
🏆Authority: Regulated by the UAE Central Bank — part of Watania International Holding PJSC
💰Annual Limit: Depends on chosen plan and provider network
🌐Coverage: Emergency care, diagnostics, maternity, chronic illness management
🩺Why it stands out: Cooperative risk-sharing model with approved provider access across the UAE
Orient Takaful Health Insurance
Orient Takaful offers modern and comprehensive health insurance policies aimed at ensuring the well-being of its customers. The company is highly regarded for its tailored health coverage solutions that include support for critical illnesses, chronic conditions, and general health maintenance.
As one of the top medical insurance companies in UAE, Orient Takaful gives access to top-tier hospitals across the UAE and the GCC. The company also emphasises a smooth claims process with quick reimbursements through its user-friendly online portal.
With flexible plans and private room access, Orient Takaful continues to be a preferred provider for residents in the UAE.
Key Points:
📍Ideal for: Those seeking dependable, long-term health coverage with upgrade options
🏆Authority: Established in 1982 — rated A+ by S&P and AM Best
💰Annual Limit: Depends on plan tier — from EBP to enhanced packages
🌐Coverage: Inpatient, outpatient, maternity, mental health, dental, and optical
🩺Why it Stands Out: Strong financial backing and wide benefits, including global emergency cover
Dubai Health Insurance Company
Dubai Insurance is one of the best health insurance companies in the UAE, providing DHA-compliant and enhanced health plans for individuals and businesses. With a strong network and digital tools, it delivers reliable medical coverage for residents across Dubai.
Key Points:
📍Ideal for: Individuals, families, and companies seeking trusted local coverage
🏆Authority: Established insurer with a strong reputation and local experience
💰Annual Limit: Varies by plan — from Essential Benefits to full private coverage
🌐Coverage: Inpatient, outpatient, emergency care, and global medical support
🩺Why it Stands Out: Over 4,000 partner hospitals and clinics, with easy online claims and approvals
Daman Health Insurance
Daman is among the UAE’s most prominent health insurers. It offers a wide range of medical insurance solutions approved by the Department of Health. Known for its extensive hospital network and digital health services, Daman offers affordable, quality healthcare across all Emirates.
Key Points:
📍Ideal for: Residents, families, and businesses looking for reliable and compliant health insurance
🏆Authority: Government-affiliated insurer with strong market leadership and trust
💰Annual Limit: Depends on the selected plan — from basic essential coverage to comprehensive global policies
🌐Coverage: Inpatient, outpatient, maternity, emergency care, and international treatment options
🩺Why it Stands Out: Access to 2,000+ hospitals and clinics across the UAE with user-friendly digital tools and fast approvals
ADNIC Health Insurance
ADNIC is one of the top health insurance providers in UAE, providing plans tailored to individual, family, and corporate needs. Its strong digital services and wide network make it a popular choice for comprehensive health insurance in Dubai and across the Emirates.
📍 Ideal for: UAE residents seeking flexible medical insurance with digital convenience
🏆 Authority: Established in 1972, licensed nationwide, and backed by a strong market presence
🌐 Coverage: Inpatient, day surgery, outpatient consultations, diagnostics, and medications
📱 Extras: Mobile app for claims, pre-approvals, e-card, and live policy updates
✨ Why it Stands Out: Covers local and international needs, including emergency evacuation abroad
HAYAH Health Insurance
HAYAH is another reliable health insurance provider in UAE. It offers a variety of plans to suit individuals, families, and corporate clients. Its coverage ranges from basic DHA-compliant options to enhanced benefits with international support.
📍Ideal for: Residents looking for essential or extended medical coverage across the UAE
🏆Authority: Licensed UAE insurer with strong digital servicing tools
💰Annual Limit: Varies by plan type, from Essential to International
🌐Coverage: Inpatient, outpatient, dental, optical, antenatal care, and more
🩺 Why it Stands Out: Easy online access, mobile support, and global emergency treatment
Sukoon Health Insurance
Formerly known as Oman Insurance, Sukoon Insurance is a trusted name in the UAE. It has over 50 years of experience in the health insurance industry. It offers reliable medical coverage with flexible plans for individuals, families, and companies, supported by a strong digital platform and excellent customer service.
Key Points:
📍Ideal for: Individuals and companies wanting flexible coverage backed by a legacy provider
🏆Authority: Established in 1975, regulated by the UAE Central Bank, serving over 1.36 million members
💰Annual Limit: Plan-specific — from essential coverage to high-end international plans
🌐Coverage: Inpatient, outpatient, maternity, chronic illness, and global care services
🩺Why it Stands Out: Over 700 professionals, 25+ digital services, and AED 2 billion paid in claims annually
Cigna Health Insurance
Cigna is a globally recognised brand and one of the best health insurance companies in the UAE. It offers tailored plans for residents and expats with wide geographic coverage, including the Middle East and Asia, and strong medical support across its tiers.
Key Points:
📍Ideal for: Expats and residents needing global or regional medical insurance
🏆Authority: Internationally established provider with specialised UAE network plans
💰 Annual Limit: Full coverage within annual limits depending on plan tier
🌐 Coverage: Private room, surgeries, diagnostics, specialist care, and cancer treatment
🩺 Why it Stands Out: Four network tiers, optional dental and vision and flexible co-pay options (0%, 10%, 20%)
Adamjee Insurance
Adamjee Insurance is a long-standing provider offering DHA-compliant health insurance in Dubai for individuals and families. With multiple coverage tiers and added global support, it delivers value-focused medical insurance that meets both basic and enhanced healthcare needs in the UAE.
Key Points:
📍Ideal for: Individuals and families needing DHA-approved health insurance with flexible add-ons
🏆Authority: Established in 1960, licensed in the UAE with a reliable market presence
💰 Annual Limit: Coverage up to AED 1 million per year
🌐 Coverage: Inpatient, outpatient, maternity, and chronic/pre-existing conditions (up to AED 150k)
🩺 Why it Stands Out: Multiple network tiers (Gold, Silver, Pearl, Green, etc.) and benefits like vaccinations, physiotherapy, and alternative medicine (e.g., acupuncture, homeopathy)
✈️ Extras: Emergency medical cover abroad for up to 90 days per treatment
How to Choose the Best Health Insurance Company in UAE?
When choosing the best health insurance in UAE, it's important to consider some factors that can help you find the right plan —
Coverage Options:
Make sure your plan covers a wide range of treatments, including inpatient, outpatient, and emergency care. The best policies will also include maternity and chronic illness coverage. Review the terms carefully to ensure that the coverage meets your needs.
|
Pro Tip: Choose a plan with comprehensive coverage so that you are protected in any situation. |
Network of Healthcare Providers:
The top medical insurance companies in UAE offer extensive networks of hospitals, clinics, and doctors. Check if your preferred healthcare providers are part of the insurer’s network. This ensures you have easy access to medical care.
|
Pro Tip: Pick a health insurance company in Dubai with a wide provider network for better access to quality healthcare. |
Claim Process and Customer Service:
The claims process should be simple and fast. Look for the best medical insurance companies in UAE with good reviews for their claim settlement process. Reliable customer service is also important in helping you resolve any issues quickly.
|
Pro Tip: Go for the best insurance in Dubai with a simple claim process and 24/7 customer support to avoid delays during emergencies |
Affordability and Premiums:
Compare the premiums of different plans to find one that fits your budget without compromising on coverage. The best health insurance in the UAE offers value for money, balancing premium costs with adequate coverage.
|
Pro Tip: Don’t just pick the cheapest option. Ensure the plan provides all necessary coverage. |
Flexibility and Customisation:
Many of the top medical insurance companies in UAE offer flexible plans that you can customise based on your needs. Choose a provider that lets you add or remove certain benefits to make the plan more suitable for you.
|
Pro Tip: Go for plans that allow you to tailor coverage based on your family’s specific needs. |
Global Coverage:
If you travel often, select a plan that includes international coverage. The best medical insurance companies in UAE offer plans that cover treatments abroad, which can be essential in case of medical emergencies during travel.
|
Pro Tip: Ensure the plan provides global coverage, especially if you frequently travel outside the UAE. |
Disclaimer:
The rankings presented in this article are based on our independent research, customer feedback and internal surveys conducted in 2025. While we strive to provide accurate and updated information, individual experiences with health insurance providers may vary.
FAQ
Almost all top health insurance companies in Dubai and UAE offer cashless hospitalization for treatments done in one of the network hospitals. Reimbursements are available for out of network hospitals.
You can change your health insurance provider easily but this can generally be done only during the renewal or new enrolment period of your health insurance plan. The new health insurers should be notified beforehand as well.
This depends on the terms and conditions laid out by your health insurance provider. If plan portability is allowed by both the current company and the new company, you can port the plan.
There are 62 health insurance provider in UAE as per the data available in 2025 out of which 35 are national insurance companies based in UAE and 27 are international insurance companies.
List of best health insurance companies in the UAE are —
- Orient Insurance
- Watania Takaful
- Takaful Emarat
- Orient Takaful Insurance
- Dubai National Insurance
- Daman Health Insurance
- ADNIC
- HAYAH
- Sukoon
- Cigna
Ans: To choose the best health insurance in the UAE, consider factors like the coverage options, hospital network, claim process, and premium costs. Look for companies that offer plans with a wide range of benefits such as maternity care, outpatient services, and international coverage.
The best medical insurance companies in the UAE also have a smooth claim process and excellent customer service, which are important for handling emergencies.
Ans: When it comes to the best medical insurance in the UAE, there's no single provider that suits everyone. The ideal plan depends on your personal health needs, budget, whether you need local or international coverage, and whether you want coverage for individual, family, or corporate employees.
Ans: The best health insurance for expats in the UAE is one that matches their personal needs. If you travel often, it’s better to choose a plan with international coverage. If you mostly stay in the UAE, a local plan with a wide hospital network may be enough. Look for insurance that covers regular checkups, emergencies, and any specific treatments you might need. It's also important to check how easy it is to make a claim and what hospitals you can visit.
Ans: The best health insurance in Dubai depends on your specific needs such as coverage level, network hospitals, and budget. With that said, some of the top-rated providers include Dubai Insurance, AXA Gulf (now GIG Gulf), Watania Takaful, Takaful Emarat, Orient Insurance, and many more.
Yes, health insurance companies in the UAE are governed by government regulations. Nationally, the Central Bank of the UAE (CBUAE) oversees and regulates insurance operations across the country.
In terms of healthcare-specific regulations, individual emirates have dedicated authorities: Dubai Health Authority (DHA) handles Dubai, Department of Health (DOH) oversees Abu Dhabi and Ministry of Health and Prevention (MOHAP) functions at the federal level.
Yes, most health insurance companies in UAE cover chronic conditions like diabetes, including routine monitoring, medications and specialist consultations. However, the extent of coverage can vary depending on whether the condition was pre-existing and the level of the plan. As for dental treatment, it’s usually not included in basic policies but emergency dental procedures are often covered.
Yes, maternity coverage is mandatory under UAE law. Both the Dubai Health Authority and Abu Dhabi’s Department of Health require all insurers to offer at least basic maternity benefits. Most health insurance companies in UAE provide prenatal consultations, delivery (normal or C-section) and postnatal care. The majority of medical companies also include coverage for newborn care immediately after birth.
Health Insurance Popular Searches
Health Insurance Dubai | Dubai Health Insurance Cost | Health Insurance for Kids | Health Insurance Plans for Family | Dental Insurance | Individual Health Insurance | Health Insurance Abu Dhabi | Medical Insurance Sharjah | How to check Medical Insurance status with Emirates ID | Health Insurance for Parents | Maternity Insurance UAE
Last Updated - August 2025
.png)
More From Health Insurance
- Recent Articles
- Popular Articles
07 Aug 2025How to Sponsor a Child in the UAE?Know how to sponsor a child in the UAE, including eligibility, required documents, legal process, and key considerations for both residents and expatriates.
18 Jul 2025Is AED 500K Health Insurance Worth It? A Practical GuideWondering if AED 500K health insurance is the right choice in the UAE? Discover coverage benefits, who needs it, and if it's worth the premium in this practical guide.
16 Jul 2025AED 250K Health Insurance in UAE – Best Plans & Coverage OptionsGet AED 250,000 health insurance plans in the UAE with comprehensive benefits and affordable premiums. Compare top insurers & buy your policy online today.
16 Jul 2025AED 150K Health Insurance in UAE – Affordable Medical CoverageExplore AED 150,000 health insurance plans in the UAE offering wide coverage at low premiums. Compare top providers, benefits & get insured in minutes.
04 Jul 2025Birth and Death Certificate Services in the UAE | How to Apply & RequirementsEasily apply for birth or death certificates in the UAE. Learn about documents required, online process, government authorities, fees, and attestation steps for certificates.
02 Jul 2025How to Get an Indian Passport for Newborns in Dubai?Learn how to get an Indian passport for newborns in Dubai, including required documents, application steps, and appointment booking at the Indian Consulate.
16 Jul 2025How to Check Medical Insurance Status with Emirates ID?Emiratis will now be able to use their Emirates ID cards not only to go through immigration gates at the airport but to avail of medical services in the UAE.
04 Aug 2025Maternity Insurance UAE: Buy Pregnancy Insurance in UAEComprehensive maternity insurance policy will cover the costs of your pregnancy, From regular checkups, ultrasound, medication to delivery and hospitalization expenses.
20 Aug 2025Health insurance for Children - Medical Policy for Kids OnlineGet comprehensive health insurance for your child in the UAE. Ensure your child's health and well-being with affordable and reliable coverage tailored to their needs.
28 May 2025How to Check the Status of Your Health Insurance Online?The easiest way to get familiar with your plan details or check the active status is to do it online. Let’s figure out how to check if your health insurance plan is active online.
11 Aug 2025Can You Buy Health Insurance for New Born Baby in UAE?Don't know whether you can buy medical insurance for new born baby in UAE? In this article we’ll share everything you need to know about health insurance for newborn baby.
- Follow Us :
