Explore the differences between international health insurance and travel insurance, and help you make an informed decision about which one is right for your travel needs.
Finding the best health insurance in UAE for a good health insurance plan for yourself and your family is one of the necessities of life. Having adequate health insurance in UAE ensures financial backup in case you or your family members require treatment for a covered illness.
|List of Top 10 Medical Insurance Companies in UAE|
|1. Sukoon Health Insurance|
|2. Dubai Insurance Company|
|3. Takaful Emarat|
|4. Orient Takaful Insurance|
|5. Orient Insurance|
|6. Cigna Insurance|
|7. Hayah Insurance|
|8. Salama Insurance|
|9. Noor Takaful Insurance|
|10. Daman Health Insurance|
Offering one of the most diverse lists of health insurance plans in the UAE, Sukoon Insurance Company (Previously Oman Insurance) has been a part of the UAE insurance landscape since 1975.
Headquartered in Dubai, it deals with most types of general insurance products. The majority of shares of Sukoon Health Insurance (Previously Oman Insurance) are owned by Mashreq Bank. And that’s not all, as the Sukoon Insurance Company is also one of the largest publicly registered insurance companies in the UAE.
Health insurance plans offered by Sukoon Insurance can be categorised into two HealthPlus plans and the essential benefits plan of Dubai.
You can find below the most remarkable features of Sukoon Health Insurance Plans:
With Sukoon health insurance plans, customers get coverage regionally as well as internationally, depending on their selected plan. The only major exception to note here is that the worldwide coverage of Sukoon health insurance plans excludes coverage in the USA.
Other than that, if you have hired house help, you can purchase the DHA essential benefits plan. With coverage of up to AED 1 million offered by Sukoon insurance, you can expect sufficient assistance in case of any medical emergency. The claim process here is incredibly smooth and requires only essential documentation for quick approvals and an even quicker settlement.
To know more about this insurance, visit Sukoon Health Insurance
Dubai Insurance Company, a premier insurance provider in the UAE, has been a stalwart in the provision of health insurance, tailoring its offerings to suit the distinct requirements of various market segments.
Established as the first national insurance company in 1970, it has amassed over 50 years of experience in the sector, a testament to its resilience, adaptability, and understanding of the market. Recognised as a composite insurer, it offers a broad spectrum of services beyond health insurance, further illustrating its comprehensive industry knowledge.
The company's financial stability and strength are well-reflected in its excellent A- rating from AM Best with a positive outlook and an A3 rating from Moody's with a stable outlook. Furthermore, the company's commitment to integrity, transparency, and responsible practices is evident in its robust corporate governance, ensuring that its operations align with the highest ethical standards, thereby fostering trust and reliability among its clientele.
The key features of Dubai Insurance Company Health Insurance Plans are listed below –
Takaful Emarat is one of the renowned insurers in UAE, offering a range of health insurance plans. It operates based on the principle of Takaful, an insurance system rooted in solidarity, shared contributions, and mutual cooperation.
Takaful Emarat does not charge interest — instead, it has a systematic subscription model and pooled compensation to safeguard its members in times of loss or need. Abiding by both UAE law and the guidance of an appointed Shariah Supervisory Board, Takaful Emarat upholds the principles of fair and ethical conduct.
Takaful Emarat health insurance offers numerous advantages, such as prescription drug coverage, dental benefits with a direct billing service at network hospitals, optical coverage, and physiotherapy sessions.
Catering to diverse needs, the company offers an array of individual and corporate insurance plans designed meticulously to provide best-in-class insurance solutions to its customers. Takaful Emarat goes above and beyond to ensure that it meets its customers' needs, reinforcing its commitment to solidarity and mutual assistance.
Listed below are the notable features of Takaful Emarat Health Insurance Plans –
To know more about this insurance policy, visit Takaful Emarat Health Insurance
Orient Takaful, a leading insurance provider, is well-recognised for its innovative approach to offering a diverse range of Shariah-compliant products to cater to the unique requirements of various market segments. As a pioneer in the Takaful industry, Orient Takaful is committed to adhering to the principles of Islamic law.
Let’s take a look at some of the notable features of Orient Takaful Health Insurance Plans –
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Orient Insurance Company, with over 40 years of experience in the UAE insurance market, is a customer-centric insurance provider well-versed in understanding and addressing customers' needs. It is known for providing innovative risk solutions that cater to customers' complete satisfaction, demonstrating a deep commitment to customer service.
Founded in 1982 as a part of the esteemed Al-Futtaim Group, Orient Insurance has steadily grown and built a strong financial base. This growth is supported by a highly qualified workforce and an in-depth understanding of the local insurance landscape, positioning the company among the leaders in the UAE insurance market.
Orient Insurance offers a wide array of health insurance plans tailored to the varied requirements of its customers. These plans are designed with a deep understanding of the local market's nuances to deliver solutions that are not only financially sound but also meet the unique requirements of each customer.
Mentioned below are the key features and benefits of Orient Health Insurance Plans –
To know more about this insurance, you can visit Orient Health Insurance
Cigna Health Insurance, a globally renowned health insurance provider, began its operations over 60 years ago in the USA. Today, it has expanded its services across 30 countries, offering unparalleled health insurance services to over 180 million customers worldwide.
Cigna is well-known for its timely and customer-centric approach, delivering the right services in the right setting. This commitment to quality and service excellence earned Cigna the 13th spot on the Fortune 500 list in 2020.
With a focus on advancing personal health, Cigna provides comprehensive health care insurance plans. Every insurance plan is thoughtfully tailored to meet individual customer needs, ensuring that each customer receives a plan that fits their specific requirements. Owing to its extensive network and robust foundation, Cigna Health Insurance is able to offer world-class facilities and services to its customers.
Given below are the prominent features of Cigna Health Insurance Plans –
To know more about this insurance, visit Cigna Health Insurance
Hayah, the latest and one of the most dynamic insurance companies in the UAE, specialises in life, health, and savings insurance solutions. Registered with the Central Bank of the UAE and listed on the Abu Dhabi stock exchange, it offers credibility and marks a significant advancement in the regional insurance landscape.
Hayah's array of insurance plans is extensive and adaptable, designed to cater to the distinct requirements of different customer groups. Its offerings range from the Health Protect Restricted to Health Protect General, and the comprehensive Health Protect plans, among others.
Here are some key features of Hayah's health insurance plans -
Established in 1979, Salama, also known as the Islamic Arab Insurance Company, stands as one of the largest and oldest insurance providers in the UAE. It is listed on the Dubai Financial Market with a significant paid-up capital of AED 939 Million (USD 255 Million).
Salama Insurance specifically caters to both small and large groups with its meticulously designed health insurance plans. Each plan is uniquely tailored to meet the specific needs of the group, ensuring that every member receives the coverage they require.
For individuals seeking health insurance, Salama offers two primary options: the Essential Benefit Plan and the Enhanced Benefit Plan. Both plans provide the insured individual(s) with international emergency assistance, flexible healthcare plans, a direct billing network, and a seamless medi-claim settlement process, among other benefits. Such comprehensive coverage underlines Salama's commitment to its customers, promising them a holistic and superior health insurance experience.
Take a look at the notable features of Salama Health Insurance Plans given below
To know more about this insurance, visit Salama Health Insurance
Watania Takaful, a highly esteemed insurance provider in the UAE, has earned a reputation for its exceptional health insurance offerings. With a commitment to delivering customised health insurance plans tailored to individual needs, it stands out as a solution-driven company in the industry.
Renowned for its customer-centric approach, Watania Takaful understands that each individual has unique healthcare requirements and strives to design and provide health insurance solutions that address these specific needs. By offering personalised coverage options, it ensures that you receive the right level of protection and care. With a strong focus on customer satisfaction and a track record of reliability, Watania Takaful has become a trusted name in the UAE insurance market
Given below are the comprehensive features of Watania Takaful Health Insurance Plans
To know more about this insurance, visit Watania Takaful Health Insurance
Daman Health is among the few insurance providers in the UAE that deal only in health insurance products. Daman offers health insurance plans to both individuals as well as corporates in the UAE and includes both health and travel health insurance plans. The headquarters of Daman or The National Health Insurance Company is situated in Abu Dhabi. It is the biggest health insurance company in Abu Dhabi and the third-biggest provider in Dubai. Founded in 2006, it has been the top provider of health insurance in Abu Dhabi since.
Listed below are the highlights of Daman Health Insurance plans in the UAE:
Daman also offers two exclusive health insurance plans – a travel health insurance plan for UAE residents and citizens going out of the UAE and a visitor health insurance plan for UAE travellers. Besides that, Daman offers lifestyle and fitness classes to its policyholders and has organised over 300 fitness events so far every year to enhance the general fitness level in the UAE. Most Daman health insurance plans are highly flexible and allow you the freedom to design your own plan. These plans are accompanied by 24x7 customer support services to enhance the user experience for all. The company is a customer-favourite in Abu Dhabi for a long time now and has over 2.5 million customers in the UAE.
To know more about this insurance, visit Daman Health Insurance
Apart from the top 10 health insurance companies in the UAE that we saw above, lets take a look at the other prominent health insurance providers along with their health insurance features and benefits.
Al Sagr Insurance, a prominent insurance company, boasts over 30 years of experience in the field of health insurance. The company holds licenses from all health regulators in the UAE, solidifying its credibility and commitment to adhering to industry regulations.
Al Sagr Insurance offers a comprehensive range of medical insurance products that cater to the diverse needs of UAE residents. With a wide array of benefits and options, these products provide a high level of flexibility to policyholders. Whether it's individual coverage or group plans, Al Sagr Insurance ensures that customers receive the necessary coverage and benefits that suit their requirements.
Listed below are the prominent features of Al Sagr health insurance plans –
To know more about this insurance, visit Al Sagr Health Insurance
ADNIC is one of the several regional Best health insurance providers in the UAE, popular among customers for its extensive range of medical insurance plans. Established in 1972 with its headquarters located in Abu Dhabi, ADNIC deals with various types of general insurance and reinsurance products. Shifa health insurance plans from ADNIC are designed for UAE residents and citizens looking for a satisfactory comprehensive health insurance plan. The Shifa range of ADNIC health insurance plans includes Bronze, Silver, Gold, and Platinum variants. As indicated by the titles, the coverage becomes more comprehensive as you move from Bronze to Platinum variants. In addition to the Shifa range, ADNIC also offers the essential benefits health insurance plan and a special health insurance program for your family members and friends visiting the UAE for a short duration.
The following are some of the most enticing features of ADNIC health insurance plans in the UAE:
ADNIC health insurance plans are accompanied by impeccable customer support services. You can connect with any of the multilingual customer support executives at ADNIC and resolve your issues. Instant help when you are stuck in a medical emergency is also available. ADNIC is preferred by customers for providing unconventional covers like alternate medicine covers, unlike most health insurance providers.
To know more about this insurance, visit ADNIC Health Insurance
A highly regarded health insurance provider in Pakistan, Adamjee Insurance has made its way into the UAE as a part of its overseas expansion program. Opened in 1960 and listed on Pakistan Stock Exchange, Adamjee first established its name as a pioneer in Oil & Gas and Wind & Thermal energy industry but later rose to become one of the top health insurance companies in the UAE insurance field. In the UAE, Adamjee offers highly affordable comprehensive health insurance plans designed to fulfil all DHA standards as well as the individual requirements of the customers.
Here are some key features of Adamjee health insurance plans in the UAE:
Adamjee health insurance plans are ideally designed to meet variating health insurance needs of all potential policyholders. You also get the option to customise your plans as per your current requirements. Adamjee Insurance also offers a hassle-free purchasing experience and a swift claim process. You can easily submit direct claims for treatment in network hospitals and get reimbursement for treatments done outside of the network. The 24x7 customer support centre of Adamjee Insurance ensures that customers face no troubles during the tenure of their plan. Seamless online renewals and claim settlement support are also available at all times.
To know more about this insurance, visit Adamjee Health Insurance
Dubai National Insurance & Reinsurance P.S.C (DNI) is a Public Shareholding company that has been operating in the UAE under the guidelines of Federal Law 6 of 2007. Established in 1991, DNI holds the distinction of being one of the first insurance companies to be listed in the Dubai Financial Market (DFM).
With the backing of leading international reinsurers such as Swiss Re, SCOR, and Munich Re, DNI offers a wide range of insurance solutions. Their offerings span from personal lines to commercial lines, including Property, Liability, Accident, Engineering, Motor, Life, and Health insurance. DNI also provides specialised lines of insurance to address specific market needs.
With respect to health insurance, DNI health insurance plans come with prominent features that cater to the needs of individuals and businesses. These features may include comprehensive coverage for medical expenses, access to a wide network of healthcare providers, personalised customer service, quick claims processing, and the flexibility to choose from various plan options to suit different budgets and requirements.
We have listed the top features and benefits of Dubai National Insurance health insurance plans below
To know more about this insurance, visit DNI Health Insurance
RAK Insurance, or the Ras Al Khaimah National Insurance Company, was established in 1974. While the company was established with only AED 2 million paid-up capital, it has quickly grown to AED 121 million in the form of paid-in capital and established strong roots in the world of insurance. Among the oldest insurance providers in the UAE, RAK Insurance aims to create insurance products that ideally match the requirements of the customers and satisfy all individual needs.
Here are the top features of RAK health insurance plans:
Prioritising the availability of helpful service to customers in need, RAK Insurance ensures adequate customer support solutions for all insurance-related queries. You can easily contact RAK Insurance customer support services and get assistance 24x7. Moreover, it also offers 24x7 access to all network medical facilities in the UAE and other countries to ensure optimum medical support for all.
To know more about this insurance, visit RAK Health Insurance
Alliance Insurance, with over forty years of experience, has established itself as a leading provider of premium insurance services in the UAE. Since its inception in 1975, the company has been dedicated to delivering unparalleled customer service, security, and reliability to individuals, corporations, and government bodies.
As the UAE has experienced exponential growth over the past four decades, Alliance Insurance has actively contributed to this development and continues to evolve to meet the ever-changing demands of the region's insurance market.
Among its offerings, Alliance Health Insurance stands out as a provider of comprehensive health insurance plans in the UAE. These plans are designed to cater to the specific needs of individuals, families, and businesses, offering varying levels of coverage.
From basic hospital and medical coverage to more extensive plans with additional benefits, Alliance Health Insurance makes sure that its users have access to quality healthcare at competitive prices. By providing comprehensive coverage, the company aims to instill peace of mind and financial security in its policyholders, emphasising their commitment to delivering healthcare solutions that meet the highest standards of quality and affordability
Given below are the prominent features of Alliance Insurance health insurance plans
To know more about this insurance, visit Alliance Health Insurance
Selecting the right health insurance provider is essential to secure your well-being and financial stability in the UAE. Our list of the top 10 health insurance companies, along with the other notable mentions, serves as a valuable resource to help you navigate the plethora of options available.
By comparing the top insurance providers along with their offerings, you can make an informed decision and choose a plan that best aligns with your unique needs and preferences. Remember, investing in a suitable health insurance policy is not only about safeguarding your health, but it is also a crucial component in ensuring peace of mind for you and your loved ones
Almost all top insurance companies in UAE and Dubai 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 insurers in UAE as per the data available in 2021 out of which 35 are national insurance companies based in UAE and 27 are international insurance companies.
List of Best Health Insurance Company in UAE.
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