Best Health Insurance Companies in Dubai, UAE
When choosing a health insurance company in the UAE, consider the number of network hospitals, how high the annual limit goes, the insurer’s Claim Settlement Ratio (CSR), and what the plan costs. We have discussed some of the top health insurance companies, their networks, limits and coverage areas so you can easily compare them when selecting the right plan. All 10 companies listed below are licensed by the Central Bank of the UAE.read more
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Top 10 Best Health Insurance Companies in Dubai, UAE (2026)
Check out the list of the top 10 best health insurance companies in UAE. Use it to jump straight to any of the medical insurance companies covered below.
Disclaimer: The top 10 health insurance companies listed above are arranged in alphabetical order and do not represent a ranking or preference.
Comparison of Top 10 Health Insurance Companies in UAE 2026
The table below compares the top 10 health insurance companies in Dubai side by side. To narrow down the best medical insurance in UAE for your own needs, compare the top annual limit and the widest coverage area first, then read the entry for whichever company you need to check a hospital network against.
| Company | Network Hospitals, Dubai | Top Annual Limit (AED) | Widest Coverage Area | Best Suited to | |
|---|---|---|---|---|---|
| ADNIC | 4,600+ | 2,000,000 | Worldwide excluding USA and Canada | Customisable Worldwide Coverage | |
| Cigna | 4,400+ | 7,350,000 | Worldwide | Expats needing international cover | |
| Dubai Insurance | 4,000+ | 1,000,000 | Worldwide | Dubai residents wanting the widest local network | |
| Fidelity United | 4,800+ | 1,000,000 | Worldwide | Cover that includes pre-existing conditions, alternative medicine, and optional benefits | |
| HAYAH | 4,800+ | 1,000,000 | Worldwide | Flexible Global Coverage | |
| Orient Insurance | 4,800+ | 1,000,000 | Worldwide | Long-term Flexibility | |
| Orient Takaful | 5,000+ | 1,000,000 | Worldwide | Shariah-compliant cover with geographical coverage | |
| Sukoon Insurance | 3,500+ | 5,000,000 | Worldwide excluding USA and Canada | All Coverage Levels | |
| Takaful Emarat | 2,800+ | 1,000,000 | Worldwide | Comprehensive Shariah-compliant cover | |
| Watania Takaful | 5,000+ | 1,000,000 | Worldwide | Shariah-compliant cover for families and businesses |
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Compare plans from 35+ licensed insurers
ADNIC Health Insurance
ADNIC has operated since 1972 and offers services to individuals, families and companies across the country. Plans include day surgery, outpatient consultations, diagnostics, and medication, with emergency evacuation on international-coverage plans. The mobile app handles claims, pre-approvals, and policy updates.
ADNIC is suitable for anyone who needs comprehensive coverage worldwide with the option to exclude certain country/ continent coverage.
| ADNIC Plan | Plan Tier | Annual Limit (AED) | Coverage Area | |
|---|---|---|---|---|
| Bronze | Comprehensive | 250,000 | UAE | |
| Silver | Comprehensive | 500,000 | Worldwide excluding USA, Canada and Europe | |
| Gold | Comprehensive | 2,000,000 | Worldwide excluding USA and Canada |
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Cigna Health Insurance
Cigna offers health insurance plans in the UAE with access to an international network of healthcare providers. This can be a good option for expats who want medical care in the UAE and abroad. Coverage includes private rooms, surgery, diagnostic tests, specialist consultations, and cancer treatment. You can choose from four network tiers, with co-payment options of 0%, 10%, or 20%.
Cigna is best suited to expats who need international cover rather than a UAE plan with travel benefits.
| Cigna Plan | Plan Tier | Annual Limit (AED) | Coverage Area | |
|---|---|---|---|---|
| Healthguard Regional | Comprehensive | 2,750,000 | Worldwide excluding USA and Canada | |
| Healthguard International WWE | Comprehensive | 7,350,000 | Worldwide excluding USA | |
| Healthguard International Plus WW | Comprehensive | 7,350,000 | Worldwide |
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Dubai Health Insurance Company
Dubai Insurance sells DHA-compliant and enhanced plans to individuals and companies. The insurer, at present, has more than 4,000 partner hospitals and clinics. Watania Takaful and Orient Takaful have the widest local network on this list, at over 5,000 facilities. Insurance claims and approvals are managed online.
This insurer suits Dubai residents who want a large local network with claims and approvals handled online.
| Dubai Insurance Plan | Plan Tier | Annual Limit (AED) | Coverage Area | |
|---|---|---|---|---|
| DubaiCare Next N1 | Comprehensive | 1,000,000 | Worldwide | |
| Gold | Comprehensive | 1,000,000 | Worldwide | |
| Dubai Care N1 | Comprehensive | 1,000,000 | Worldwide | |
| Silver Classic | Comprehensive | 1,000,000 | Worldwide | |
| Dubai Care N4 (Remnto) | Comprehensive | 1,000,000 | Worldwide |
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Fidelity United Insurance
Fidelity United was incorporated in 1976 as United Insurance Company and renamed in 2018. It is also one of the oldest insurers still operating in the UAE. It is reinsured with A-rated reinsurers. The insurer’s medical plan covers outpatient and inpatient treatment, emergency care, maternity and pre-existing conditions, with multilingual assistance. It also offers an extensive network of hospitals and clinics across the UAE and GCC.
This is ideal for anyone who needs pre-existing conditions coverage, routine dental, optical, and alternative medicine benefits.
| Fidelity United Plan | Plan Tier | Annual Limit (AED) | Coverage Area | |
|---|---|---|---|---|
| Health First Plan G | Basic | 500,000 | Worldwide | |
| Health First Plan F | Basic | 750,000 | Worldwide | |
| Health First Plan E | Semi-comprehensive | 1,000,000 | Worldwide | |
| Health First Plan C | Comprehensive | 1,000,000 | Worldwide | |
| Health First Plan B | Comprehensive | 1,000,000 | Worldwide |
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HAYAH Health Insurance
HAYAH’s range starts at basic DHA-compliant cover and extends to international plans. Its medical insurance benefits include inpatient and outpatient treatment, dental, optical and maternity coverage, with global emergency treatment on the top-tier plans.
One can choose a plan with or without worldwide coverage.
| HAYAH Plan | Plan Tier | Annual Limit (AED) | Coverage Area | |
|---|---|---|---|---|
| Green | Comprehensive | 250,000 | UAE, with inpatient cover in selected overseas territories | |
| Care RN3 | Semi-comprehensive | 1,000,000 | Worldwide | |
| Care Blue | Basic | 250,000 | UAE, with inpatient cover in selected overseas territories |
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Orient Health Insurance
Orient Insurance was established in 1982. It currently holds an A+ rating from both S&P and AM Best, placing it among the market's most financially secure health insurers. Orient’s individual medical plan tiers run from Essential Benefits Plan through to enhanced packages. The plans can cover inpatient and outpatient treatment, maternity, mental health, and riders like dental and optical cover. Comprehensive plans also cover global emergencies.
It is ideal for the long term as you can move up a tier later without changing insurers.
| Orient Plan | Plan Tier | Annual Limit (AED) | Coverage Area | |
|---|---|---|---|---|
| I-Med | Basic | 150,000 | UAE and home country | |
| Health Plus- Plan 5 | Semi-comprehensive | 1,000,000 | Worldwide | |
| Silk Road- Family Care | Comprehensive | 1,000,000 | Worldwide |
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Orient Takaful Health Insurance
Orient Takaful offers Shariah-compliant plans with comprehensive and geographical coverage. Members get access to hospitals across the UAE and the wider GCC, with claims filed online.
This company suits anyone who wants comprehensive geographical cover.
| Orient Takaful Plan | Plan Tier | Annual Limit (AED) | Coverage Area | |
|---|---|---|---|---|
| Plan 5 | Semi-comprehensive | 1,000,000 | Worldwide | |
| Plan GN Limited | Comprehensive | 1,000,000 | Worldwide | |
| Plan 3 | Comprehensive | 1,000,000 | Worldwide |
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Sukoon Health Insurance
Sukoon Insurance, formerly Oman Insurance, was established in 1975. It serves policies for over 1.6 million members. Plans cover inpatient and outpatient treatment, maternity, chronic illness and global care. With Sukoon, you have access to more than 3,500 healthcare providers.
This insurance offers plans to all individuals, from basic to enhanced.
| Sukoon Plan | Plan Tier | Annual Limit (AED) | Coverage Area | |
|---|---|---|---|---|
| Max | Comprehensive | 500,000 | Worldwide, excluding USA and Canada | |
| Pro | Comprehensive | 3,000,000 | Worldwide, excluding USA and Canada | |
| Prime | Comprehensive | 5,000,000 | Worldwide, excluding USA and Canada |
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Takaful Emarat Health Insurance
Takaful Emarat has been providing Shariah-compliant health insurance since 2008. Its plans mainly follow DHA guidelines but also offer coverage to other emirates. All individual and family health insurance plans cover hospitalisation, consultations, lab tests, maternity and preventive care. Policy issuance and claims both run through its own digital platform.
If you’re looking for a Shariah-compliant worldwide health coverage, this might be the right provider.
| Takaful Emarat Plan | Plan Tier | Annual Limit (AED) | Coverage Area | |
|---|---|---|---|---|
| Ecare Blue | Basic | 150,000 | UAE | |
| Silver | Semi-comprehensive | 1,000,000 | Worldwide | |
| Marjan | Semi-comprehensive | 1,000,000 | Worldwide | |
| Zumurrod | Comprehensive | 1,000,000 | Worldwide |
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Watania Takaful Health Insurance
Watania Takaful is part of Watania International Holding PJSC. With Watania Takaful, you can find Shariah-compliant medical cover for individuals, families and businesses. Plans cover emergency care, diagnostics, maternity and chronic illness management across an approved provider network.
This insurance company is best suited for families and businesses looking for comprehensive coverage.
| Watania Takaful Plan | Plan Tier | Annual Limit (AED) | Coverage Area | |
|---|---|---|---|---|
| NAS Plan 6 | Basic | 1,000,000 | Worldwide | |
| NAS Plan 5 | Semi-comprehensive | 1,000,000 | Worldwide | |
| NAS Plan 1 | Comprehensive | 1,000,000 | Worldwide |
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How to Choose the Best Health Insurance Company in UAE?
When you’re selecting the best health insurance company in the UAE, take note of the following points:
- License: All health insurance companies must be licensed by the Central Bank of the UAE, which has supervised the insurance sector since the Insurance Authority was merged into it in January 2021. Always check the license number on the insurer's official website before buying a plan.
- Financial Strength: An independent rating from S&P or AM Best helps you understand how well an insurer can handle a year with high claim payouts. Also check the insurer’s Claim Settlement Ratio.
- Network Clinics and Hospitals: This includes the hospitals and clinics where you can make cashless claims. It is always best to select a plan with a large network of hospitals.
- Claim Handling: Confirm with the insurer how long out-of-network reimbursement takes and how the pre-approval works.
- Plan Range: Always select a provider that offers all plan tiers, including basic, semi-comprehensive, and comprehensive. This gives you the flexibility to upgrade your policy at the time of renewal without changing insurance companies.
Compare different plans on a single platform
How Does Policybazaar.ae Help You Find the Best Health Insurance Policy?
Policybazaar.ae is a licensed insurance aggregator. We are regulated by the Central Bank of the UAE under Registration No. 123, hold DHA Health Insurance Intermediary Permit BRK-00041, and are a member of the Emirates Insurance Federation under Membership No. B81.
We understand that picking the best health insurance company can be difficult, especially if you’re new to the UAE. At Policybazaar.ae, you will find 35+ licensed medical insurance companies, their plans and policy wording. Here, you can compare different plans on a single platform without browsing different tabs separately.
Also, while you browse and compare plans, our health insurance experts provide a list of hospital networks so you can confirm whether your preferred hospital is included. This helps you make a wise decision in choosing the best insurer and plan. You can compare health insurance quotes from all of them on a single page.
Frequently Asked Questions
Which health insurance companies in Dubai offer cashless hospitalisation?
All medical insurance companies provide cashless hospitalisation facilities. However, cashless claims are only allowed when you seek treatment within your hospital network. Once you go outside the network, the cashless option no longer applies. In this case, you pay first and get your money reimbursed later. Always check your insurer’s hospital network before buying a plan.
Can I change my health insurance company?
Yes, you can change your current provider at the time of renewal. Switching mid-term is possible, but you usually forfeit the remaining premium. Hence, it is recommended to switch to a new provider during renewal.
Can I port my plan to another company?
No. There is no rule for porting an existing plan to another provider. What you can do is buy a new policy from a different company at renewal. This means it’s a fresh policy with applicable waiting periods.
How do I choose the best health insurance company in the UAE?
Start with the hospital. If there is a clinic or a consultant you already use, find the insurers whose network includes it. After that, choose the plan tier you want, and check the plan’s annual limit. You also need to check whether the coverage area is UAE-only or worldwide. Besides, visit their website to know their Claim Settlement Ratio.
Which is the best medical insurance in UAE?
There is no single best plan. Every individual has different medical requirements. You must choose a policy that aligns with your needs. Shortlist a few plans, compare them and select the one that suits you best.
Which insurance is best for expats in UAE?
The best health insurance for expats in the UAE depends on their budget, healthcare needs, family size, and preferred hospital network. Basic plans are suitable for those seeking essential medical coverage, while comprehensive plans offer higher coverage limits, wider hospital networks, and additional benefits such as maternity, dental, and optical care. Before choosing a policy, compare annual coverage limits, co-payments, pre-existing condition coverage, exclusions, and geographical coverage.
Which insurance is best for health in Dubai?
For Dubai specifically, consider the insurer’s hospital network. Watania Takaful and Orient Takaful list the widest local networks on this page at over 5,000 facilities, and Dubai Insurance covers more than 4,000. Besides, check coverage, coverage limits, and the applicable waiting period.
Are health insurance companies in the UAE government-regulated?
Yes. The Central Bank of the UAE licenses and supervises every insurer in the country, having taken that role on when the Insurance Authority was merged into it in January 2021. Health cover is regulated at the emirate level too. The Dubai Health Authority sets the rules in Dubai, and the Department of Health does the same in Abu Dhabi, and for the Northern Emirates, the Ministry of Health and Prevention is responsible for regulating the health insurance system.
Does any health insurance company cover diabetes and dental treatment?
Diabetes is usually covered, including monitoring, medication and specialist visits, though how much depends on whether it was declared as a pre-existing condition and which tier you are on. Dental works differently. Dental coverage is only available as an add-on during emergencies.
Do health insurance policies cover maternity expenses?
Yes, maternity is covered in all plans. This includes prenatal, postnatal, delivery, and newborn coverage. However, the coverage limit varies for each insurer. Always check with your provider about coverage limits and what is covered in detail.
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