Health insurance is not just a necessity but a legal requirement in the UAE. With the rising cost of healthcare and increasing medical needs, selecting the right health insurance provider is essential for both residents and expatriates. Whether you’re an individual, family, or employer looking for group coverage, UAE offers a wide range of health insurance providers with comprehensive benefits and flexible plans.
Here’s a list of top 10 health insurance companies in the UAE in 2025, based on coverage, customer service, affordability, and reputation.
1. Daman – National Health Insurance Company
Headquarters: Abu Dhabi
Website: www.damanhealth.ae
Why Choose Daman?
Daman is one of the largest and most trusted health insurance providers in the UAE, especially in Abu Dhabi. It offers comprehensive plans for individuals, families, and employers. Daman is known for its strong network and fast claims process.
Key Features:
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Basic and enhanced plans for all income levels
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24/7 customer support
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Large direct billing network
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Affordable premiums
2. AXA Gulf (Now GIG Gulf)
Headquarters: Dubai
Website: www.giggulf.ae
Why Choose AXA (GIG Gulf)?
After being acquired by Gulf Insurance Group (GIG), AXA continues to deliver strong health insurance offerings with international and local coverage. Their plans are suited for both expats and UAE nationals.
Key Features:
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Global coverage and travel benefits
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Multiple plan tiers
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Maternity and dental add-ons
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Strong digital tools for claims and approvals
3. Oman Insurance Company (Sukoon Insurance)
Headquarters: Dubai
Website: www.sukoon.com
Why Choose Oman/Sukoon Insurance?
A well-established insurer in the UAE with a wide array of health insurance solutions. Oman Insurance has rebranded as Sukoon but retains its legacy and service quality.
Key Features:
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DHA-compliant plans
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Excellent customer service
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International coverage available
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Corporate and SME health packages
4. Orient Insurance (Al-Futtaim Group)
Headquarters: Dubai
Website: www.orientinsurance.com
Why Choose Orient?
Orient is backed by the Al-Futtaim Group and offers robust health insurance plans with great value. It’s especially favored for its prompt claim settlement and corporate solutions.
Key Features:
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Excellent reimbursement track record
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Extensive medical provider network
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High annual limits
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Tailored group plans
5. MetLife UAE
Headquarters: Dubai
Website: www.metlife.ae
Why Choose MetLife?
MetLife is a globally recognized insurer offering customized and flexible health insurance options, especially for corporate clients and high-income individuals.
Key Features:
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Critical illness coverage
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Wellness and fitness rewards
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Direct access to international hospitals
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Strong mobile and online support
6. Takaful Emarat
Headquarters: Dubai
Website: www.takafulemarat.com
Why Choose Takaful Emarat?
Specializing in Shariah-compliant insurance, Takaful Emarat provides both individuals and groups with health plans in line with Islamic principles.
Key Features:
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Affordable premiums
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Family-focused plans
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Shariah-compliant offerings
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Government-approved network
7. Abu Dhabi National Insurance Company (ADNIC)
Headquarters: Abu Dhabi
Website: www.adnic.ae
Why Choose ADNIC?
One of the UAE’s oldest and most reliable insurance firms, ADNIC offers flexible medical insurance plans tailored to various income levels.
Key Features:
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DHA and HAAD compliant
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Custom-made group insurance
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Quick claims approval
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Emergency and international coverage
8. RSA Insurance UAE
Headquarters: Dubai
Website: www.rsadirect.ae
Why Choose RSA?
RSA offers streamlined and efficient health plans perfect for individuals and small businesses. It’s known for digital innovation and quick support.
Key Features:
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Flexible premium options
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Dedicated client portal
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Medical second opinions
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Expats’ favorite for short-term stays
9. Noor Takaful (Now Dar Al Takaful)
Headquarters: Dubai
Website: www.dat.ae
Why Choose Noor Takaful / Dar Al Takaful?
Another Shariah-compliant insurer, Noor Takaful (now merged with Dar Al Takaful), offers highly competitive health plans with a focus on ethical investment.
Key Features:
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Shariah-based structure
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High claim settlement ratio
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Affordable for SMEs and startups
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Well-integrated with UAE health laws
10. SAICO Health
Headquarters: Dubai
Website: www.saicohealth.com
Why Choose SAICO?
SAICO is popular for its budget-friendly plans and extensive regional presence. It is a solid option for expats and labor-class employees.
Key Features:
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Large hospital and clinic network
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Quick claim processing
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Multilingual support
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Simple and clear plan options
✅ Final Thoughts
When choosing a health insurance provider in the UAE, it’s important to consider not just the price, but also the coverage, claim support, and network hospitals. Always review policy documents carefully, and use platforms like the Dubai Health Authority (DHA) or Insurance Authority UAE to verify and compare approved insurance providers.
Whether you’re an expat, local, or business owner, the UAE health insurance market offers high-quality options tailored to your needs.
FAQs
Yes. Health insurance is mandatory in Dubai and Abu Dhabi. Employers must provide it to their employees.
Yes, but make sure there’s no coverage gap and the new provider is DHA/HAAD approved.
It typically includes GP visits, emergency care, basic maternity, and some medications.
In many cases, no. Employers are not legally required to cover dependents.
Anywhere from AED 600 to AED 15,000 annually, depending on coverage, age, and provider.