Best Health Insurance Companies in Dubai, UAE

Top 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.

Daman Health Insurance 

Daman Insurance, part of the PureHealth group, is one of the largest and the best health insurance companies in UAE. 

Daman offers a wide range of health policies, including options for local and international coverage. The company’s plans include coverage for emergency medical care, maternity, inpatient and outpatient services as well as additional options for global coverage. 

Besides providing access to over 3,000 healthcare providers in the UAE, it also offers digital services through its app. The company’s commitment to customer care and innovation has earned it a strong reputation in the UAE health insurance market.

Key Points: 

• Extensive plans with optional global coverage for emergency, maternity, and inpatient care
• Access to over 3,000 healthcare providers in the UAE
• Digital healthcare services via the Daman app, including 24/7 teleconsultations
• Flexibility to customise plans with supplementary benefit modules
• Option to submit reimbursement claims through the app for faster processing

Top Health Insurance Plans from Daman Insurance

ADNIC Health Insurance

The Abu Dhabi National Insurance Company (ADNIC), established in 1972, is one of the UAE's leading insurers. It is recognised for its digital platform and patient-centric health plans tailored to residents of all emirates.

Key Points 

• Ranges from DHA EBP basics to Premier and International tiers, catering to diverse needs from essential family coverage to global medical benefits
• ADNIC’s app allows easy pre-authorisation, claims filing, e-card management, and real-time policy updates
• Includes inpatient treatment, day surgery, outpatient consultations, medications, diagnostics, and physiotherapy with top-up options post policy limits
• Alongside UAE coverage, ADNIC includes emergency treatment overseas and medical evacuation, particularly in higher-tier plans

Top Health Insurance Plans from ADNIC

Takaful Emarat Health Insurance

Takaful Emarat, a leading Islamic insurance in UAE, is also one of the top medical insurance companies in UAE. Since its establishment in 2008, the company has been providing both individuals and families health insurance plans with enhanced health coverage that meets the needs of modern healthcare. 

Takaful Emarat stands out for its strong focus on customer well-being, offering coverage for prescription drugs, dental care, and optical needs. With a large network of healthcare providers, the company provides multiple health plans in the UAE.

Key Points: 

• Coverage for prescription drugs up to AED 15,000
• Dental benefits with direct billing at network providers up to AED 3,000
• Optical coverage (as an optional add-on) up to AED 1,500
• Global network partners include NAS, MedNet, NextCare, and E Care
• Hassle-free claims process for customers

Top Takaful Emarat Health Insurance Plans 

Dubai Health Insurance Company

Dubai Insurance Company (DIC) is among the best health insurance companies in UAE that provides affordable and comprehensive medical insurance options to Dubai and Northern Emirates visa holders. Established by His Highness Late Sheikh Rashid Al Maktoum, DIC has built a reputation for its efficient and reliable services. 

With a focus on providing health coverage for individuals and families, DIC Health Insurance offers competitive rates while maintaining a strong customer support system. The company's best medical insurance in UAE covers various medical treatments — from diagnosis to treatment — so that customers are well-protected during medical emergencies.

Key Points: 

• Round-the-clock emergency support
• Health coverage starting from AED 525 for Dubai and Northern Emirates visa holders
• Coverage includes diagnosis, treatment, and cancer screening
• Hassle-free claims procedure and excellent customer support
• Comprehensive coverage for dependents up to 18 years old

 Top Dubai Health Insurance Plans 

Sukoon Health Insurance

Sukoon Insurance is widely recognised as one of the top 10 health insurance companies in UAE. It offers a variety of medical plans for individuals and families. Known for its strong network of healthcare providers, Sukoon ensures that its customers receive excellent medical services both within the UAE and internationally. 

The company focuses on offering flexible and affordable health plans to cater to a diverse customer base, from basic coverage to more comprehensive options like HealthPlus. Sukoon Health Insurance also makes the claims process easy and accessible through its online portal.

Key Points: 

• Wide network of healthcare providers across the UAE and beyond
• Comprehensive plans including HealthPlus and DHA EBP
• Global and local coverage as per the selected plan
• Easy online management of health insurance policies
• Maternity, newborn coverage, and chronic condition care available

Best Health Insurance in UAE from Sukoon Insurance

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: 

• Easy and instant access to top hospitals in the UAE and GCC
• Private rooms available in premium hospitals based on selected plans
• Fast claim reimbursement through an online portal
• Coverage for critical illnesses, chronic conditions, and outpatient treatments
• Excellent customer support and plan flexibility

Top Orient Takaful Health Insurance Plans 

Orient Health Insurance

Orient Insurance, one of the best health insurance companies in dubai, has a range of health policies to cater to various healthcare needs. With a focus on customer satisfaction, it covers serious illnesses like heart disease, kidney failure, and major organ transplants. The company provides flexibility in premium payments and offers both local and global coverage.

Additionally, Orient Insurance has an easy claim process — you can receive lump-sum payments for serious medical conditions. This commitment to comprehensive healthcare coverage has solidified Orient’s place as a leading health insurance provider in the UAE.

Key Points : 

• Coverage for up to 37 serious illnesses, including heart disease and organ transplants
• Flexible premium payment options with global coverage
• Lump-sum payments for serious illnesses after diagnosis
• Coverage for multiple family members under a single policy
• 90-day waiting period after policy issuance for serious illness claims

Top Health Insurance Plans from Orient Insurance

Cigna Health Insurance

Cigna Insurance offers globally recognised solutions tailored for expats and residents in the UAE. Some of its plans cover treatment across the GCC, wider Middle East, and Asia (excluding Hong Kong, China, and Singapore). 

Key Points: 

• Choice of 4 tiers within Cigna’s UAE network (including General, General Plus, and Comprehensive levels)
• Private room, specialist fees, ICU, surgeries, diagnostics, and cancer care — all covered in full within annual limits
• Add-ons like dental, vision, and wellness are available for enhanced coverage
• Coverage provided with co-pay options (0%, 10%, or 20%) on consultations, imaging, diagnostics, maternity visits, and prescribed medications

Top Health Insurance Plans from Cigna Insurance

Salama Health Insurance

Salama is a pioneer in the Takaful industry, offering Shariah-compliant medical insurance options for individuals and families in the UAE. 

As one of the top medical insurance companies in uae, Salama offers flexible and affordable plans to meet various healthcare needs. The company provides comprehensive coverage, including benefits for chronic medical conditions, emergency medical treatment, and vaccinations for children. 

Salama health insurance plans also come with direct billing options and an easy claim settlement process. With an international network of healthcare providers, the company is certainly a top choice for those seeking both local and global coverage.

Key Points: 

• Flexible and affordable health plans for individuals and families
• Direct billing network for easy claim processing
• Coverage for chronic medical conditions and emergency medical treatments
• Vaccination cover for children and alternative medicine benefits
• International emergency assistance included in the plan

Watania Takaful Health Insurance

Watania Takaful is a UAE-based insurer that offers Shariah-compliant health insurance for individuals, families, and businesses. The company, part of Watania International Holding PJSC, is regulated by the UAE Central Bank.

Key Points:

• Operates on the cooperative principle of shared risk and mutual assistance, in line with Islamic insurance standards
• Policyholders have access to a network of approved hospitals, clinics, and pharmacies throughout the UAE
• Benefits may include diagnostics, emergency services, chronic illness management, and maternity care — subject to plan selection
• Tailored solutions available for small and large enterprises seeking employee medical benefits
   

Top Watania Takaful Health Plans

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.

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.

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.

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.

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.

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.

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