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, ...read more
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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.
| List of Top Health Insurance Companies in UAE | |
|---|---|
| 1. Daman Insurance | 2. Adnic Insurance |
| 3. Takaful Emarat | 4. Dubai Insurance Company |
| 5. Sukoon Insurance | 6. Orient Takaful |
| 7. Orient Insurance | 8. Cigna |
| 9. Salama | 10. Watania Takaful |
Daman 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
| Daman Health Insurance Plans | Annual Sum Limit | Coverage Area | Price |
|---|---|---|---|
| Care Bronze DNE without Dental | AED 500,000 | Worldwide coverage | View Quotes |
| Care Bronze DNE with Dental | AED 500,000 | Worldwide coverage | View Quotes |
| Click here to Buy Daman Health Insurance |
ADNIC Insurance
ADNIC, established in 1972, is among the most trusted and the top 10 health insurance companies in UAE. It provides health policies for individuals, families, and businesses, with both local and international coverage options.
ADNIC offers tiered plans that range from budget-friendly to premium, which helps customers to select coverage that best fits their needs. The company is known for its strong customer support, easy claims process, and flexible plans that include options for dental and vision care.
Key Points
- Easy claim filing process with both regional and international coverage
- Tier-based health plans including Bronze, Silver, Gold, and Platinum options
- Coverage for inpatient, outpatient, dental, and vision care
- The Gold and Platinum plans offer international coverage, excluding the US and Canada
- Bronze plans provide affordable health coverage across the UAE
Top Health Insurance Plans from ADNIC
| ADNIC Health Insurance Plans | Annual Sum Limit | Coverage Area | Price |
|---|---|---|---|
| Bronze Plan | AED 250,000 | UAE Only | View Quotes |
| Silver Plan | AED 500,000 | Worldwide excluding USA, Canada, Europe | View Quotes |
| Gold Plan | AED 2,000,000 | Worldwide excluding USA, Canada | View Quotes |
| Platinum Plan | AED 5,000,000 | Worldwide | View Quotes |
| Click here to Buy ADNIC Health Insurance |
Takaful Emarat
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
| Takaful Emarat Health Insurance Plans | Annual Sum Limit | Coverage Area | Price |
|---|---|---|---|
| Silver | AED 10,00,000 | Worldwide Coverage | View Quotes |
| Gold | AED 10,00,000 | Worldwide Coverage | View Quotes |
| Platinium | AED 10,00,000 | Worldwide Coverage | View Quotes |
| Rhodium | AED 10,00,000 | Worldwide Coverage | View Quotes |
| Click here to Buy Emarat Health Insurance |
Dubai 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
| DIC Health Insurance Plans | Annual Sum Limit | Coverage Area | Price |
|---|---|---|---|
| Silver Premium | AED 1,000,000 | Worldwide Coverage | View Quotes |
| Silver Classic | AED 1,000,000 | Worldwide Coverage | View Quotes |
| Green | AED 1,000,000 | Worldwide Coverage | View Quotes |
| Silk Road | AED 1,000,000 | Worldwide Coverage | View Quotes |
| Gold | AED 1,000,000 | Worldwide Coverage | View Quotes |
| Click here to Buy DIC Health Insurance |
Sukoon 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
| Sukkon Health Insurance Plans | Annual Sum Limit | Coverage Area | Price |
|---|---|---|---|
| Safe | AED 1,50,000 | UAE, Arab Countries, and South East Asia | View Quotes |
| Home Lite | AED 2,50,000 | UAE, Arab Countries, and South East Asia | View Quotes |
| Home | AED 250,000 | UAE, Arab Countries, and South East Asia | View Quotes |
| Max | AED 500,000 | Worldwide excluding the USA and Canada | View Quotes |
| Pro | AED 3,000,000 | Worldwide excluding the USA and Canada | View Quotes |
| Click here to Buy Sukoon Health Insurance |
Orient Takaful
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 Takaful Plans | Annual Sum Limit | Coverage Area | Price |
|---|---|---|---|
| Orient Takaful Plan 5 | AED 1,000,000 | Worldwide Coverage | View Quotes |
| Orient Takaful Silk Road | AED 1,000,000 | Worldwide Coverage | View Quotes |
| Orient Takaful Pearl | AED 10,00,000 | Worldwide Coverage | View Quotes |
| Orient Takaful Plan 4 | AED 10,00,000 | Worldwide Coverage | View Quotes |
| Click here to Buy Orient Takaful Health Insurance |
Orient 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
| Orient Insurance Health Insurance Plans | Annual Sum Limit | Coverage Area | Price |
|---|---|---|---|
| Silk Road – Family Care Plan A | AED 1,000,000 | Worldwide coverage | View Quotes |
| Green – Family Care Plan B | AED 1,000,000 | Worldwide coverage | View Quotes |
| Green – Family Care Plan A | AED 1,000,000 | Worldwide coverage | View Quotes |
| Silver Classic – Family Care Plan B | AED 1,000,000 | Worldwide coverage | View Quotes |
| Silver Classic – Family Care Plan A | AED 1,000,000 | Worldwide coverage | View Quotes |
Cigna
Cigna is a global leader in healthcare services. It also provides a variety of health insurance plans in the UAE.
As part of its vision to offer the best health insurance in UAE, Cigna focuses on providing tailored plans that meet the specific needs of individuals, families, and businesses. The company offers comprehensive coverage for inpatient and outpatient services, including maternity, mental health, and chronic conditions.
Cigna is also known for its responsive customer service and international reach, making it an ideal choice for expatriates and frequent travellers. With multiple levels of coverage, the company ensures that customers can find a plan that fits their budget and healthcare requirements.
Key Points:
- 24/7 multilingual customer service for quick query resolution
- Comprehensive coverage for inpatient, outpatient, maternity, and mental health services
- Plans include global coverage, including chronic conditions
- Healthguard plans with 3 levels of coverage, compliant with DHA
- Coverage for pre-existing conditions up to the annual cap
Top Health Insurance Plans from Cigna Insurance
| Orient Insurance Health Insurance Plans | Annual Sum Limit | Coverage Area | Price |
|---|---|---|---|
| Regional | AED 2,750,000 | Gulf countries, Middle East and Asia | View Quotes |
| International Plan | AED 7,350,000 | Worldwide coverage | View Quotes |
| International Plus Plan | Unlimited | Worldwide Coverage | View Quotes |
| Click here to Buy Cigna Health Insurance |
Salama
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
| Click here to Buy Salama Health Insurance |
Watania Takaful
Watania Takaful, established in 2008, is known for its comprehensive and Shariah-compliant health insurance plans. The company provides excellent coverage for individuals and families, including treatment for chronic conditions and maternity care.
Watania Takaful ensures that its customers have access to a large network of healthcare providers across the UAE. Its simple claims process and 24/7 customer support make it one of the top medical insurance companies in UAE.
Key Points:
- Coverage for homeland treatments and personal accidents
- Prenatal and childbirth cover, including DHA-accredited insurance plans
- Access to over 1,600 care centres across the UAE
- Round-the-clock customer care and easy claim filing process
- Plans available for both individuals and families
Top Watania Takaful Health Plans
| Watania Takaful Health Plans | Annual Sum Limit | Coverage Area | Price |
|---|---|---|---|
| Dependant Basic | AED 1,50,000 | UAE | View Quotes |
| Dependent Enhanced 1 | AED 1,50,000 | UAE | View Quotes |
| Dependent Enhanced 2 | AED 1,50,000 | UAE | View Quotes |
| Dependent Enhanced 3 | AED 1,50,000 | UAE | View Quotes |
| Click here to Buy Watania Health Insurance |
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.
|
Pro Tip: Choose a plan with comprehensive coverage so that you are protected in any situation. |
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.
|
Pro Tip: Pick a health insurance company in Dubai with a wide provider network for better access to quality healthcare. |
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.
|
Pro Tip: Go for the best insurance in Dubai with a simple claim process and 24/7 customer support to avoid delays during emergencies |
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.
|
Pro Tip: Don’t just pick the cheapest option. Ensure the plan provides all necessary 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.
|
Pro Tip: Go for plans that allow you to tailor coverage based on your family’s specific needs. |
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.
|
Pro Tip: Ensure the plan provides global coverage, especially if you frequently travel outside the UAE. |
FAQ
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.
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 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.
List of Best Health Insurance Company in UAE.
- Sukoon Health Insurance
- Dubai Insurance Company
- Takaful Emarat
- Orient Takaful
- Orient Insurance
- Cigna Insurance
- ADNIC
- Salama Insurance
- Watania Takaful Insurance
- Daman Insurance
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.
This article is regularly reviewed by Policybazaar UAE team to ensure that the content is up to date & accurate.
Last Updated - 6 January 2025
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