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Best Health Insurance Companies in UAE

Choosing the right health insurance in the UAE isn’t always easy. With so many providers out there, it can be hard to know which one truly offers the best value and support when you need it most. Whether you're new to the country or reviewing your current plan, the goal is the same — to find a ...read more provider you can trust. In this guide, we’ll walk you through some of the top health insurance companies in the UAE, focusing on what they actually offer and why people choose them.

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Selecting health insurance for
Self Only
Both Self and Family
Family without Self
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Best Health Insurance Plans in UAE

Clinic Only
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Outpatient services are limited to clinics & general practitioner. To access a hospital for outpatient a referral is required from your GP. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Takaful Emarat
Takaful Emarat
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
E CARE Blue
Clinic and GP Only
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Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
HAYAH Insurance
HAYAH Insurance
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
Blue
Clinic With Specialist
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Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Orient Insurance
Orient Insurance
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Clinic + Hospital Access
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You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Cigna
Cigna
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
General
Clinic + Hospital Access
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You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
GIG Gulf (Previously AXA)
GIG Gulf (Previously AXA)
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
In-house A1
Clinic and GP Only
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Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Fidelity United
Fidelity United
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
Network - PCP C/RN3
Clinic Only
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Outpatient services are limited to clinics & general practitioner. To access a hospital for outpatient a referral is required from your GP. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Dubai Insurance
Dubai Insurance
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
DubaiCare Next
Clinic With Specialist
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Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Orient Takaful Insurance
Orient Takaful Insurance
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Clinic With Specialist
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Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
RAK Insurance
RAK Insurance
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Dubai National Insurance
Dubai National Insurance
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
Network - PCP/RN3
Clinic With Specialist
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Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Adamjee
Adamjee
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
MEDNET Silk Road
Clinic and GP Only
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Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Watania Takaful (Previously Noor Takaful)
Watania Takaful (Previously Noor Takaful)
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
NAS-VN
Clinic + Hospital Access
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You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Sukoon Insurance (Prev. Oman Insurance)
Sukoon Insurance (Prev. Oman Insurance)
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
Vital Network
Clinic + Hospital Access
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You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Abu Dhabi National Insurance Company
Abu Dhabi National Insurance Company
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
MSHI Bronze
Clinic + Hospital Access
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You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Allianz
Allianz
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
In-house
Clinic + Hospital Access
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You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Sukoon Bupa
Sukoon Bupa
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
Premium Network
Plans shown as per selected filters. T&Cs apply

Top 5 Health Insurance Companies in UAE

Orient Insurance

Orient Insurance, part of the Al-Futtaim Group, is one of the most trusted and financially secure insurance providers in the UAE. Known for its strong market presence and wide range of DHA-compliant and enhanced medical plans, Orient offers coverage suited to individuals, families, and corporate clients.

The company stands out for its wide hospital and clinic network, A+ financial ratings from S&P and AM Best, and flexible co-pay structures. From general health services to maternity, dental, mental health, and even alternative therapies, Orient provides diverse health coverage supported by strong digital services and customer support.

Some of the top Orient health insurance plans are — 

Plan Name

Medical Cover (AED)

Pharmacy Limit

NE-Med

75,000

Up to AED 1,000

Health Plus – Plan 5

1,000,000

Up to AED 5,000

Silk Road – Family Care

1,000,000

Up to the Medical Cover

Pearl – Family Care

1,000,000

Up to the Medical Cover

Emerald

1,000,000

Up to the Medical Cover

Takaful Emarat

Takaful Emarat is one of the leading providers of Shariah-compliant health insurance in the UAE, offering plans that align with Islamic finance principles. With a strong presence in the Dubai market, it has become a popular choice among families and individuals who are looking for ethical and affordable health coverage.

All Takaful Emarat plans are fully DHA-compliant, meaning they meet the government’s mandatory medical insurance requirements for Dubai residents. If you're searching for the best health insurance in UAE that also respects Islamic values, Takaful Emarat offers a trusted and value-driven option. 

Find below some of the top Takaful Emarat health insurance plans – 

Plan Name

Medical Cover (AED)

Pharmacy Limit

Blue Plan – IP Only NE

50,000

N/A

NAS Basic Plan NE

85,000

N/A

Basic Enhanced NE

85,000

Up to AED 1,500

Basic IP Only NE

60,000

N/A

NAS Basic IP Only NE

60,000

N/A

Basic Plan NE

85,000

N/A

Watania Takaful

Watania Takaful is a trusted provider of Shariah-compliant health insurance in the UAE. It offers ethical and affordable coverage to individuals, families, and businesses. The company follows a cooperative insurance model, where risk is shared among policyholders under Islamic principles. This makes it an ideal option for those looking for value-based protection that aligns with their beliefs.

All Watania Takaful plans meet the Dubai Health Authority (DHA) standards, which makes them suitable for legal residency requirements. The policies usually include coverage for emergency care, diagnostics, chronic illness management, and maternity services — designed to cater to the everyday healthcare needs of UAE residents.

Check out some of the top Watania Takaful health insurance plans — 

Plan Name

Medical Cover (AED)

Pharmacy Limit

NAS – Plan A

75,000

Up to AED 1,500

NAS – Plan B

150,000

Up to AED 1,500

NAS Plan 6

1,000,000

Up to AED 4,500

NAS Plan 5

1,000,000

Up to AED 5,000

NAS Plan 4

1,000,000

Up to AED 5,000

NAS Plan 3

1,000,000

Up to AED 7,500

Dubai Insurance

Dubai Insurance is one of the UAE’s most established insurers. It offers flexible health insurance plans that meet the needs of individuals, families, and corporate groups. With over five decades of experience, the company is known for its strong service, wide hospital network, and smooth claim process. Its policies are DHA-compliant and include options for both basic and comprehensive medical coverage.

For anyone searching for the best medical insurance in UAE, Dubai Insurance stands out for its practical benefits, competitive pricing, and dependable customer support. 

Plan Name

Medical Cover (AED)

Pharmacy Limit

Dubai Care N4 (Remnto)

1,000,000

Up to Medical Cover

HAYAH Insurance

HAYAH Insurance is a modern, fully digital insurer. It offers health coverage that is simple, accessible, and tailored for today’s fast-moving lifestyles. While better known for life and savings products, HAYAH also provides DHA-compliant health plans for individuals and families living in the UAE. Its user-friendly digital platform allows policyholders to easily manage coverage, submit claims, and track approvals — all online.

For residents seeking the best health insurance in UAE that’s hassle-free and digitally enabled, HAYAH offers a refreshing alternative. It’s especially well-suited to those who prefer managing everything from their phone — without compromising on quality care and coverage.

Here are some of the top HAYAH health insurance plans —

Plan Name

Medical Cover (AED)

Pharmacy Limit

Tier 1 (Regional) Mednet Green

1,000,000

Up to AED 10,000

Tier 2 (Regional) Mednet Silver

1,000,000

Up to AED 15,000

Tier 3 (Worldwide) Mednet Silver

1,000,000

Up to AED 20,000

Tier 4 (Worldwide) Mednet Silver

2,000,000

Up to AED 20,000

Tier 5 (Worldwide) Mednet Gold

2,000,000

Up to AED 25,000

To Conclude

Finding the right health insurance in the UAE can feel like a lot to take in — but it’s worth it. The peace of mind that comes from knowing you and your family are covered is something you can’t put a price on. Whether you’re after something simple and affordable or need broader protection with international benefits, there’s no shortage of reliable options. The key is to choose a provider that fits your lifestyle, not just your checklist. 

With so many top medical insurance companies in Dubai and across the Emirates, getting the best health insurance in UAE is more achievable than ever.

FAQs

What is the best health insurance in UAE for families?

The best health insurance in UAE for families usually includes comprehensive coverage for outpatient care, maternity, chronic conditions, and access to a wide hospital network. Providers like ADNIC, Sukoon, and Cigna are popular choices due to their flexible family plans and responsive customer support.

Are there affordable medical insurance companies in Dubai for individuals?

Yes, several medical insurance companies in Dubai offer DHA-approved plans starting at very affordable annual premiums. Insurers like Takaful Emarat, Adamjee, and Dubai Insurance provide entry-level plans that cover essential health needs while meeting legal requirements.

Can I get international coverage with UAE health insurance?

Many providers offer plans that include international coverage. If you're looking for the best medical insurance in UAE with global benefits, consider insurers like Cigna, Sukoon Bupa, and HAYAH. These companies offer worldwide access to hospitals and emergency care.

Is health insurance mandatory in Dubai?

Yes, health insurance is mandatory in Dubai. Every resident must have at least a basic DHA-compliant plan. All medical insurance companies in Dubai are regulated to ensure their plans meet these minimum standards.

How do I choose the best health insurance plan for my needs?

Start by looking at your healthcare usage — do you need maternity, dental, or frequent specialist visits? Next, compare the benefits, network, pharmacy limits, and claim process of top providers. Using a trusted insurer gives you better service and fewer surprises.

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