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, and flexible plans.read more
AED 1 million Health cover starting @4/Day
4.7/5
41,800
ReviewsTrusted Customers
Insurance Partners
Policies Sold
Top Health Insurance Companies Plans in UAE
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
|
HAYAH Health Insurance Plans |
Annual Limit (AED) |
Coverage Area |
Price |
|---|---|---|---|
|
Safe |
150,000 |
UAE, Arab Countries and South East Asia |
|
|
Home Lite |
250,000 |
UAE, Arab Countries and South East Asia |
|
|
Max |
500,000 |
Worldwide excluding USA and Canada |
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%)
|
Cigna Health Insurance Plans |
Annual Limit (AED) |
Coverage Area |
Price |
|---|---|---|---|
|
Healthguard Regional |
2,750,000 |
Worldwide excluding USA and Canada |
|
|
Healthguard International WWE |
7,350,000 |
Worldwide excluding USA |
|
|
Healthguard International Plus WW |
7,350,000 |
Worldwide |
Q1. Which health insurance companies in Dubai offer cashless hospitalization facilities to the insured?
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.
Q2. Can I change my health insurers? Can it be done at any point of time during my coverage period?
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.
Q3. Can I port my current health insurance plan to other health insurance companies in Dubai?
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.
Q4. How many health insurance companies are there in UAE?
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.
Q5. Which is the Top 10 Best Health Insurance Companies in UAE?
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
Q6. How do I choose the best health insurance company in the UAE?
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.
Q7. Which is the best medical insurance in UAE ?
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.
Q8. Which insurance is best for expacts in UAE ?
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.
Q9. which insurance is best for health in dubai ?
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.
Q10. Are there any government-regulated guidelines for health insurance companies operating in the UAE?
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.
Q11. Does any health insurance company cover diabetes and dental treatment?
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.
Q12. Do health insurance policies cover maternity expenses?
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.
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