Best Insurance Companies in Dubai

Securing insurance has become an essential part of our lives to remain financially secure in case of an emergency. With the UAE being home to some of the leading insurance providers offering best-in-class insurance solutions, you can find numerous excellent products ranging from health to travel, life, car, and term insurance.

With that said, it can be puzzling to make a choice from so many options. This article will present a list of insurance companies in the UAE to help you avoid such confusion and make a wise decision when purchasing insurance plans. Read the following sections to learn more about the leading insurance providers in the UAE in the health, car, travel, and term life sectors.

Car Insurance Providers in the UAE

Here is the list of insurance companies in the UAE for car insurance -

Noor Takaful Car Insurance

As a leading insurance provider in the UAE, Noor Takaful is distinguished for offering Shariah-compliant insurance plans. You can get a Noor Takaful car insurance plan to get some much-needed tranquillity while driving.  With this plan, you can enjoy benefits like quick and efficient customer support and 24-hour roadside help, meaning that you can have access to help even if you are stranded due to car-related issues. 

Check out some more features and benefits of these car insurance plans here  -

• Standard agency repair 
• Accidental loss or damage
• No-claim bonus 
• Loss or damage to personal belongings due to natural calamities
• Car windscreen and damage
• Valet parking

Salama Car Insurance

Salama Islamic Arab Car Insurance Company is another prominent insurance provider in the UAE of distinctive and personalised car insurance plans. The company, established in 1979, is also listed on the Dubai Financial Market (DFM). 

Salama’s auto insurance plans comply with the principles of Shariah and offer high-quality services that meet worldwide standards. The same criteria are evident in Salama's auto insurance policies, which are popular among people looking to get auto insurance in the UAE.

The following are the salient features of the car insurance plans from this provider -

• Comprehensive car insurance, third-party liability insurance, and vehicle export insurance offered
• The comprehensive car insurance plans offer these benefits - 
• Cover for damage caused due to theft
• Accidental collisions that could result in the mechanical breakdown of the vehicle covered
• Damage due to fire, explosion, and more
• Minimal documentation required
• No-claim bonus
• Ease of policy renewal
• Round-the-clock customer care service

Adamjee Car Insurance

Adamjee Insurance Company is another great choice if you want to have a financial safety net for your vehicle with auto insurance. Besides fulfilling the obligation under UAE law to purchase car insurance, this plan can also cover you from any financial loss brought on by a mishap or theft. 

Discussed below are the key features and benefits of the car insurance plans offered by this insurance provider in the UAE -

• Third-party liability coverage
• Affordable premium rates
• Accidental damage coverage
• Large dealer network support across the UAE
• SMS alerts to inform about the claim process
• 24/7 customer care service
• Theft coverage

Tokio Marine

Tokio Marine Group is a reputed car insurance provider in the UAE, with its presence in the UAE going back to 1976. It provides four types of insurance products - Third-party Cover, Must, Smart Plus, and Million Package.  

Listed below are the major features and benefits of Tokio Marine car insurance plans -

• Easy payment plan
• Free roadside assistance
• Agency repair
• Online premium payment facility
• Comprehensive insurance cover
• Third-party liability cover
• 20% no-claim bonus discount
• Affordable premium rates
• Swift insurance claim process and settlement
• Rent a car cover

New India Assurance Car Insurance

Leading in the Afro-Asian region and highly regarded in the Gulf region, New India Assurance is a leading insurance provider in the UAE as well. While New India Assurance provides a variety of general insurance solutions in the UAE, comprehensive car insurance policies are its speciality. 

New India Assurance offers three major types of auto insurance plans - third-party liability insurance, fleet comprehensive insurance, and comprehensive insurance.

Here are the general features and benefits of the car insurance plans from this provider -

• Affordable premium rate
• Quick registration prowess
• Tailor-made plans with additional benefits such as personal accident cover, natural calamity cover, rent-a-car cover, roadside assistance, agency repairs, windscreen damage cover, and more
• Multiple insurance plans
• Fast claim process and settlement
• Comprehensive benefits

Health Insurance Providers in the UAE

Let’s start by looking at the top insurance companies for health plans in the UAE in the table below - 

Orient Health Insurance 

Established in 1982, Orient Insurance is one of the leading health insurance providers in the UAE. The health insurance plans provided by the provider are reputed for their comprehensive coverage that can be helpful in case of medical emergencies and the presence of pre-medical conditions. 

Given below are some features of the health insurance plans offered by Orient Insurance -

• The plans cover up to 37 critical illnesses
• A waiting period of at least 90 days would apply from the date the policy is issued
• The plans cover both in-patient and out-patient maternity services
• The sum assured gets paid after 28 days of diagnosis of any critical illness that is covered under any of the plans offered by Orient Insurance

Takaful Emarat Health Insurance

Takaful Emarat is a Shariah-compliant health insurance provider in the UAE that offers an array of top-in-class comprehensive insurance solutions to customers. Here are some features of the health insurance plans offered -

• Several plans are available from which you can select one that fits your budget and requirements
• The health insurance plans offer global medical coverage
• Network hospitals that offer cashless treatments
• The plans offer an immediate certificate of issuance to the willing customers
• As a policyholder, you can have complimentary access to physiotherapy sessions

Noor Takaful Health Insurance

Noor Takaful is another insurance provider in the UAE known for providing comprehensive insurance plans. What’s notable about these health insurance plans is that they can easily be customised to fit your requirements. 

Listed below are some salient features and benefits of health insurance plans from this insurance provider in the UAE -

• Second medical opinion
• Accidental death cover
• Maternity services
• Treatment in the home country
• Part of the ‘Participating Insurers’ list of the Dubai Health Authority (DHA) 

Adamjee Health Insurance

Adamjee Insurance was incorporated in 1960 as a Public Limited Company and has plenty of insurance products that can fulfil the requirements of various categories of individuals. Discussed below are some coverages and features that you can expect with the health insurance plans from this insurance provider in the UAE -

• Plans complying with DHA
• In-patient services - ICU, coronary artery disease treatment, hospitalisation fee, ambulance service, and more
• Out-patient services - Consultation fee, dental costs (if applicable), vaccinations, and physician’s costs
• Maternity services 

Dubai National Health Insurance

With more than 26 years of experience in the industry, Dubai National Insurance (DNI) has established itself as a renowned institution with respect to insurance in the UAE. DNI is known for offering comprehensive health insurance plans not only for individuals but for corporates as well. 

Here are some features of the plans offered by DNI -

• Tailor-made plans
• Extensive medical network
• Easy claim process
• Round-the-clock access to customer service

Travel Insurance Providers in the UAE

Check out the list of insurance companies in the UAE offering travel insurance plans in the table below -

Allianz Travel Insurance

Formerly known as Allianz Global Assistance, Allianz Travel Insurance is a subsidiary of Allianz Care. The following are some features of the travel insurance plans offered by this insurance provider in the UAE -

• Globally available
• Efficient and easy claim process
• Trip-related benefits
• Emergency medical care cover
• Repatriations of remains
• Extensive coverage
• Personal liability cover
• Customisable plans as per the requirements

Oman Travel Insurance

Known for providing impeccable insurance products for the last 45 years, Oman Insurance is headquartered in Dubai and is one of the top travel insurance providers in the UAE as well. Some of the key features of its travel insurance plans include -

• COVID-19 coverage
• Worldwide coverage
• Instant cover without any gaps
• Tailor-made plans
• Easy claim process and settlement
• Trip-related benefits
• Luggage-related coverage

Orient Travel Insurance

Founded in 1982, Orient Insurance is another popular provider of comprehensive travel insurance plans that you can use to secure yourself while travelling abroad. Besides outbound travel insurance plans, however, this insurance provider in the UAE offers inbound plans as well. 

Some of the features of the plans offered by Orient Insurance are -

• Various options of riders
• Quick claim process and settlement
• 24/7 customer support
• Complete medical support - emergency medical expenses, medical evacuation, hospitalisation cover, and more
• Wide territorial coverage

GIG Gulf (Previously AXA) Travel Insurance

Previously known as AXA, GIG Gulf is one of the oldest insurance providers in the UAE and the world that offer comprehensive travel insurance plans at affordable rates. With these plans, you can avail of benefits such as -

• Global coverage for up to 90  days
• COVID-19 coverage
• Loss or delay in receiving personal luggage
• Emergency medical expenses
• Quick claim process and settlement
• Extensive hospital network
• Instant cover

Term Insurance Providers in the UAE

Here are the top insurance companies for getting term insurance in the UAE -

HAYAH Term Insurance

Formerly called AXA GCIC, HAYAH is one of the digital insurance providers in the UAE. It offers comprehensive term life insurance with benefits like -

• Flexible tenure 
• Coverage for loss of life,  any permanent or partial disability, and terminal illness
• Additional benefits like priority screening
• Complimentary temporary life cover starting from the time the insured fills the form till the time policy gets issued
• Flexible premium payment modes - monthly, single, or annual premiums
• Fast claim process and settlement
• Digital access to the policy

Takaful Emarat Term insurance

A leading name in the insurance sector, Takaful Emarat is one of the top insurance providers in the UAE for health and life plans. This provider is primarily known for offering Shariah-compliant plans that offer comprehensive coverage. 

Here are some benefits that you can enjoy by securing a Takaful Emarat term life plan -

• Flexible tenure
• Riders - critical illness, permanent total disability, accidental death benefit, permanent and partial disability, and more
• Flexible premium payment modes - monthly, half-yearly, quarterly, and annually
• Benefit of surplus sharing
• Flexible term - ranging from 5 years to 25 years
• Guaranteed benefits in case of any accident or sickness

Noor Takaful - Watania

Noor Takaful is a Shariah-compliant insurance provider in the UAE and has insurance products that cater to individuals, families, companies, and groups. The term insurance plan offered by the provider is vouched for the following benefits -

• Global coverage
• Requires no medical check-up
• The Pure Protection Plan is available in two options - Annual contribution and Single contribution
• Grave period of up to 31 days from the former contribution date
• Option to convert the plan into a paid-up plan without Takaful benefits to be paid
• Maturity benefits like a fixed amount of cashback 

Union Term Insurance

Union Insurance, founded in 1998, has an Abu Dhabi Securities Exchange listing and a licence from the UAE Insurance Authority. Having Dubai as the home to its corporate headquarters. Union Insurance offers customers in the UAE and the Middle East a broad selection of retail and corporate insurance products. 

When it comes to its term insurance plans, you can expect the following benefits -

• 24-hours of global coverage
• Quick claim process and settlement
• Death due to any cause covered 
• Affordable premium 
• COVID-19 coverage
• No medical check-up required
• Pre-existing disease coverage - pre-approved up to AED 1,000,000

Alliance Term Insurance

Alliance Insurance, dating its presence back to 1975, is one of the leading insurance providers in the UAE for term insurance plans. The tenure of the plans offered by Alliance Insurance could range anywhere from 5 years to 30 years. 

Here are some key features of Alliance Insurance term plans -

• Sum assured payout in case of the insured’s demise during the policy tenure
• Death benefit
• Flexible plan tenures
• Option of policy conversion
• Low premiums 

To Conclude

Insurance can come to the rescue in the direst situations such as emergency medical expenses, the breakdown of your car in the middle of the road, loss of luggage during a trip, and more. Besides offering financial security, these plans also help protect your savings as they can cover most of your expenses without requiring you to exhaust money out of your pocket. 

Getting a good insurance plan is crucial if you want to avail of the above-mentioned benefits at affordable rates. You can certainly check out the lists of insurance companies in the UAE given in the article above when making a decision about securing an insurance plan.

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