Insurance navigator
UAE Health Insurance Navigator
Compare 81 health insurance plans across 38 UAE insurers — mapped to 235,756 healthcare providers in our directory.
38
Insurers
81
Plans compared
235,756
Providers mapped
8
UAE cities
Filter by coverage, premium, co-pay, and network size. Find which insurers cover your preferred hospitals and clinics, and compare plans side-by-side. All data is cross-referenced with the UAE Open Healthcare Directory.
Fundamentals
How UAE health insurance works.
Mandatory coverage
Health insurance is compulsory for all UAE residents. Abu Dhabi mandated employer-sponsored coverage in 2006 under the Abu Dhabi health regulator. Dubai followed in 2014 with its own mandatory health insurance law. The Northern Emirates are progressively implementing schemes under federal supervision.
How plans work
Most UAE residents receive employer-sponsored insurance. You present your card at a provider, pay a co-pay (typically 10–20%), and the insurer covers the rest up to the annual limit — AED 150,000 for basic plans to AED 1,000,000+ for premium. Inpatient admissions usually need pre-authorisation.
Choosing a plan
Start with network size — how many hospitals and clinics in your city accept the plan. Then compare co-pay (10% vs 20% adds up fast), dental and optical add-ons, maternity waiting periods (6–12 months), and international coverage if you travel often.
Browse by insurer
Insurers in the UAE.
Daman
3 plans · 9,515 providers
mandatoryThiqa
1 plan · 8,122 providers
premiumDubai Insurance Company
2 plans · 8,530 providers
privateAXA
3 plans · 9,308 providers
privateCigna
3 plans · 8,939 providers
privateMetLife
2 plans · 7,878 providers
privateAllianz Care
2 plans · 7,542 providers
privateADNIC
2 plans · 8,323 providers
privateBupa Global
2 plans · 7,281 providers
privateMedNet
2 plans · 10,114 providers
tpaNAS (NextCare)
2 plans · 10,470 providers
tpaSukoon (Oman Insurance)
3 plans · 0 providers
privateAetna International
2 plans · 5,902 providers
privateMSH International
2 plans · 4,664 providers
privateNow Health International
2 plans · 3,404 providers
privateWilliam Russell
2 plans · 3,263 providers
privateGIG Gulf
3 plans · 7,585 providers
privateOrient Insurance
3 plans · 9,609 providers
privateUnion Insurance
2 plans · 6,264 providers
privateEmirates Insurance Company
2 plans · 5,581 providers
privateNational General Insurance
2 plans · 4,944 providers
privateAl Sagr National Insurance
2 plans · 4,866 providers
privateArabia Insurance
2 plans · 4,514 providers
privateAl Wathba National Insurance
2 plans · 4,274 providers
privateRAK Insurance
2 plans · 3,493 providers
privateAl Dhafra Insurance
2 plans · 3,237 providers
privateFidelity United Insurance
2 plans · 5,484 providers
privateHayah Insurance
2 plans · 3,559 providers
privateAlliance Insurance
2 plans · 4,670 providers
privateDubai National Insurance
2 plans · 6,066 providers
privateAl Ain Ahlia Insurance
2 plans · 3,184 providers
privateTakaful Emarat
2 plans · 7,923 providers
privateWatania (ADNTC)
2 plans · 4,861 providers
privateNoor Takaful
2 plans · 5,009 providers
privateSalama Islamic Insurance
2 plans · 5,754 providers
privateGlobeMed
2 plans · 8,580 providers
tpaNeuron
2 plans · 7,182 providers
tpaIRIS Health
2 plans · 5,862 providers
tpaBy emirate
Insurance by city.
Network coverage varies by emirate. Browse providers and top-performing insurers in each UAE city.
Dubai
5,566 providers
- #1Dubai Insurance Company5,134
- #2NAS (NextCare)5,097
- #3MedNet5,086
Abu Dhabi
2,610 providers
- #1Daman2,487
- #2Thiqa2,480
- #3NAS (NextCare)2,354
Sharjah
1,850 providers
- #1NAS (NextCare)1,617
- #2MedNet1,516
- #3Orient Insurance1,500
Ajman
671 providers
- #1Takaful Emarat405
- #2NAS (NextCare)368
- #3Daman364
Ras Al Khaimah
464 providers
- #1RAK Insurance346
- #2NAS (NextCare)248
- #3Daman244
Fujairah
300 providers
- #1Thiqa170
- #2Daman168
- #3NAS (NextCare)167
Umm Al Quwain
95 providers
- #1Daman51
- #2NAS (NextCare)47
- #3Thiqa46
Al Ain
838 providers
- #1Thiqa807
- #2Daman801
- #3ADNIC747
Personalised
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Side-by-side
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Browse all 81 plans. Select up to 4 for side-by-side comparison.
Daman
Daman Basic
Low-income workers and dependants in Abu Dhabi (mandatory scheme)
AED 600 – 750/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
Daman
Daman Enhanced
Mid-salary employees and families in Abu Dhabi
AED 3,500 – 7,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
Daman
Daman Premium
Senior employees and executives in Abu Dhabi
AED 12,000 – 25,000/yr
Annual limit: AED 1.0M · private room · 0% co-pay
Thiqa
Thiqa
UAE nationals and their dependants in Abu Dhabi
Government-funded
Annual limit: Unlimited · private room · 0% co-pay
Dubai Insurance Company
DIC Essential Health
Small businesses and individuals in Dubai meeting DHA mandate
AED 2,500 – 4,000/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
Dubai Insurance Company
DIC Corporate Health
Mid-size companies and their employees in Dubai
AED 5,000 – 12,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
AXA
AXA SmartHealth Essential
Individuals and small companies meeting mandatory requirements
AED 3,000 – 5,500/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
AXA
AXA SmartHealth Gold
Corporate employees and families seeking comprehensive coverage
AED 7,000 – 14,000/yr
Annual limit: AED 750,000 · semi-private room · 20% co-pay
AXA
AXA SmartHealth Platinum
Senior executives and high-net-worth individuals
AED 18,000 – 35,000/yr
Annual limit: AED 2.0M · private room · 0% co-pay
Cigna
Cigna Essential Care
Individuals and small businesses meeting UAE mandatory requirements
AED 3,500 – 6,000/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
Cigna
Cigna Global Health Options
Expat professionals and families wanting flexible global-local coverage
AED 8,000 – 16,000/yr
Annual limit: AED 1.0M · semi-private room · 10% co-pay
Cigna
Cigna Global Health Platinum
C-suite executives and high-net-worth families
AED 20,000 – 40,000/yr
Annual limit: Unlimited · private room · 0% co-pay
MetLife
MetLife Essential Health
SMEs meeting mandatory health insurance requirements
AED 2,800 – 5,000/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
MetLife
MetLife Corporate Plus
Corporate employees with enhanced coverage needs
AED 6,000 – 13,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
Allianz Care
Allianz MyHealth Standard
Expat professionals and families
AED 6,500 – 14,000/yr
Annual limit: AED 750,000 · semi-private room · 20% co-pay
Allianz Care
Allianz MyHealth Premium
Senior executives and high-net-worth expats
AED 18,000 – 32,000/yr
Annual limit: AED 2.0M · private room · 0% co-pay
ADNIC
ADNIC Basic Health
Employees in Abu Dhabi and Northern Emirates meeting mandatory requirements
AED 2,500 – 4,500/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
ADNIC
ADNIC Enhanced Health
Corporate employees with enhanced coverage needs
AED 5,500 – 11,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
Bupa Global
Bupa Essential Health
Expat professionals and families in the UAE
AED 7,500 – 15,000/yr
Annual limit: AED 1.0M · semi-private room · 10% co-pay
Bupa Global
Bupa Global Select
Senior executives, HNW individuals, diplomatic staff
AED 22,000 – 45,000/yr
Annual limit: Unlimited · suite room · 0% co-pay
MedNet
MedNet Managed Essential
Companies using MedNet-administered plans for mandatory compliance
AED 2,800 – 5,000/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
MedNet
MedNet Managed Plus
Mid-size companies seeking enhanced TPA-managed coverage
AED 5,500 – 12,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
NAS (NextCare)
NextCare Essential
Mandatory compliance for employers across UAE
AED 2,500 – 4,800/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
NAS (NextCare)
NextCare Gold
Corporate employees seeking comprehensive TPA-managed coverage
AED 6,000 – 13,000/yr
Annual limit: AED 750,000 · semi-private room · 20% co-pay
Sukoon (Oman Insurance)
Oman Insurance Essential
SMEs and individuals meeting mandatory insurance requirements
AED 2,700 – 5,000/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
Sukoon (Oman Insurance)
Oman Insurance Corporate Gold
Corporate employees and their families
AED 6,000 – 14,000/yr
Annual limit: AED 750,000 · semi-private room · 20% co-pay
Sukoon (Oman Insurance)
Oman Insurance Executive
Senior management and executives
AED 16,000 – 30,000/yr
Annual limit: AED 1.5M · private room · 0% co-pay
Aetna International
Aetna Core Health
Expat professionals and families in the UAE
AED 7,000 – 13,000/yr
Annual limit: AED 1.0M · semi-private room · 20% co-pay
Aetna International
Aetna Premier
Senior executives and HNW expats requiring global coverage
AED 19,000 – 36,000/yr
Annual limit: AED 2.0M · private room · 0% co-pay
MSH International
MSH Essential Plus
Expat professionals and families in the UAE
AED 6,500 – 12,000/yr
Annual limit: AED 800,000 · semi-private room · 20% co-pay
MSH International
MSH Premium International
Executives and families needing worldwide coverage
AED 16,000 – 30,000/yr
Annual limit: AED 1.5M · private room · 0% co-pay
Now Health International
Now Health WorldCare Essential
Expat professionals and freelancers seeking modular coverage
AED 5,500 – 10,000/yr
Annual limit: AED 750,000 · semi-private room · 20% co-pay
Now Health International
Now Health WorldCare Prestige
Executives and families wanting comprehensive worldwide cover
AED 14,000 – 28,000/yr
Annual limit: AED 1.5M · private room · 0% co-pay
William Russell
William Russell Gold Health
British and Commonwealth expat professionals and families
AED 8,000 – 15,000/yr
Annual limit: AED 1.0M · semi-private room · 10% co-pay
William Russell
William Russell Platinum Health
Senior expat executives and HNW families
AED 18,000 – 34,000/yr
Annual limit: AED 2.0M · private room · 0% co-pay
GIG Gulf
GIG Gulf Essential
SMEs and individuals meeting mandatory requirements across UAE
AED 2,800 – 4,800/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
GIG Gulf
GIG Gulf Corporate Plus
Corporate employees and families across UAE
AED 5,500 – 12,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
GIG Gulf
GIG Gulf Executive
Senior management and executives
AED 15,000 – 28,000/yr
Annual limit: AED 1.5M · private room · 0% co-pay
Orient Insurance
Orient Essential Health
SMEs and individuals meeting mandatory health insurance requirements
AED 2,400 – 4,500/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
Orient Insurance
Orient Corporate Gold
Corporate employees and families across UAE
AED 5,500 – 13,000/yr
Annual limit: AED 750,000 · semi-private room · 20% co-pay
Orient Insurance
Orient Executive
Executives and senior management
AED 16,000 – 30,000/yr
Annual limit: AED 1.5M · private room · 0% co-pay
Union Insurance
Union Basic Health
SMEs in Abu Dhabi and Dubai meeting mandatory requirements
AED 2,300 – 4,200/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
Union Insurance
Union Enhanced Health
Corporate employees and families in Abu Dhabi and Dubai
AED 5,000 – 10,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
Emirates Insurance Company
Emirates Essential Health
Individuals and SMEs in Dubai and Northern Emirates
AED 2,200 – 4,000/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
Emirates Insurance Company
Emirates Corporate Health
Corporate employees in Dubai and Northern Emirates
AED 5,000 – 11,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
National General Insurance
NGI Basic Health
Blue-collar and mid-level employees in Abu Dhabi
AED 2,000 – 3,800/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
National General Insurance
NGI Enhanced Health
White-collar employees and families in Abu Dhabi
AED 4,500 – 9,000/yr
Annual limit: AED 400,000 · semi-private room · 20% co-pay
Al Sagr National Insurance
Al Sagr Basic Health
Employees in Abu Dhabi meeting mandatory HAAD requirements
AED 2,200 – 4,200/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
Al Sagr National Insurance
Al Sagr Enhanced Health
Corporate employees and families in Abu Dhabi and Dubai
AED 5,000 – 10,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
Arabia Insurance
Arabia Basic Health
SMEs in Dubai and Abu Dhabi meeting mandatory requirements
AED 2,500 – 4,500/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
Arabia Insurance
Arabia Enhanced Health
Corporate employees and families
AED 5,500 – 11,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
Al Wathba National Insurance
Al Wathba Basic Health
SMEs and employees in Abu Dhabi meeting HAAD requirements
AED 2,100 – 3,800/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
Al Wathba National Insurance
Al Wathba Enhanced Health
Corporate employees and families in Abu Dhabi
AED 4,500 – 9,500/yr
Annual limit: AED 400,000 · semi-private room · 20% co-pay
RAK Insurance
RAK Basic Health
Employees in Northern Emirates meeting MOHAP requirements
AED 2,000 – 3,500/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
RAK Insurance
RAK Enhanced Health
Corporate employees and families in Northern Emirates
AED 4,000 – 8,500/yr
Annual limit: AED 350,000 · semi-private room · 20% co-pay
Al Dhafra Insurance
Al Dhafra Basic Health
Employees in Abu Dhabi and Western Region
AED 2,000 – 3,800/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
Al Dhafra Insurance
Al Dhafra Enhanced Health
Corporate employees and families in Abu Dhabi
AED 4,500 – 9,000/yr
Annual limit: AED 400,000 · semi-private room · 20% co-pay
Fidelity United Insurance
Fidelity Basic Health
Small businesses in Dubai meeting DHA mandatory requirements
AED 2,300 – 4,200/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
Fidelity United Insurance
Fidelity Corporate Health
Corporate employees in Dubai
AED 5,000 – 10,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
Hayah Insurance
Hayah Basic Health
Individuals and small businesses in Abu Dhabi
AED 2,400 – 4,300/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
Hayah Insurance
Hayah Family Care
Families and corporate employees in Abu Dhabi
AED 5,000 – 10,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
Alliance Insurance
Alliance Basic Health
SMEs in Dubai meeting DHA mandatory requirements
AED 2,500 – 4,500/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
Alliance Insurance
Alliance Corporate Health
Corporate employees in Dubai and Sharjah
AED 5,500 – 11,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
Dubai National Insurance
DNIR Basic Health
Employers in Dubai meeting DHA mandatory requirements
AED 2,200 – 4,000/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
Dubai National Insurance
DNIR Enhanced Health
Corporate employees in Dubai
AED 5,000 – 10,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
Al Ain Ahlia Insurance
Al Ain Ahlia Basic Health
Employees in Al Ain and Abu Dhabi Eastern Region
AED 2,000 – 3,600/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
Al Ain Ahlia Insurance
Al Ain Ahlia Enhanced Health
Corporate employees and families in Al Ain and Abu Dhabi
AED 4,500 – 9,000/yr
Annual limit: AED 400,000 · semi-private room · 20% co-pay
Takaful Emarat
Takaful Emarat Basic Takaful
Employers seeking Sharia-compliant mandatory health coverage
AED 2,500 – 4,800/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
Takaful Emarat
Takaful Emarat Enhanced Takaful
Corporate employees and families wanting Sharia-compliant enhanced cover
AED 5,500 – 12,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
Watania (ADNTC)
Watania Basic Takaful
Employers in Abu Dhabi and Northern Emirates seeking Takaful coverage
AED 2,200 – 4,000/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
Watania (ADNTC)
Watania Enhanced Takaful
Corporate employees and families in Abu Dhabi
AED 5,000 – 10,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
Noor Takaful
Noor Basic Takaful Health
SMEs in Dubai and Abu Dhabi seeking Sharia-compliant health coverage
AED 2,600 – 4,600/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
Noor Takaful
Noor Enhanced Takaful Health
Corporate employees and families wanting Takaful enhanced cover
AED 5,500 – 11,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
Salama Islamic Insurance
Salama Basic Takaful Health
Employers seeking Sharia-compliant mandatory health coverage across UAE
AED 2,500 – 5,000/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
Salama Islamic Insurance
Salama Enhanced Takaful Health
Corporate employees and families across UAE wanting enhanced Takaful
AED 6,000 – 13,000/yr
Annual limit: AED 750,000 · semi-private room · 20% co-pay
GlobeMed
GlobeMed Managed Essential
Employers using GlobeMed-administered plans for mandatory compliance
AED 2,600 – 4,800/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
GlobeMed
GlobeMed Managed Plus
Corporate groups seeking enhanced TPA-managed coverage
AED 5,500 – 12,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
Neuron
Neuron Managed Essential
Companies using Neuron-administered plans for compliance
AED 2,700 – 4,500/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
Neuron
Neuron Managed Plus
Corporate groups seeking enhanced TPA-managed plans
AED 5,000 – 11,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
IRIS Health
IRIS Managed Essential
Companies using IRIS-administered plans for mandatory compliance
AED 2,800 – 5,000/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
IRIS Health
IRIS Managed Plus
Corporate groups seeking personalised TPA-managed coverage
AED 5,500 – 11,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
Who regulates what
UAE health insurance regulators.
Health insurance in the UAE is regulated at both the emirate and federal level. Three bodies govern the majority of the insured population.
The UAE healthcare regulator (Dubai)
The UAE healthcare regulator regulates all health insurance activity in the Emirate of Dubai, including licensing insurers and TPAs, setting mandatory benefit structures, and managing the Saada basic benefits plan for low-income workers. All health insurance sold in Dubai must comply with the UAE healthcare regulator's Essential Benefits Plan (EBP).
Department of Health — Abu Dhabi (the UAE healthcare regulator)
Formerly HAAD, the UAE healthcare regulator oversees healthcare regulation and mandatory insurance in Abu Dhabi and Al Ain. Daman administers the Thiqa scheme for Emirati nationals and the Basic plan for expatriate dependants. The UAE healthcare regulator sets minimum benefit standards and conducts annual audits.
Ministry of Health & Prevention (the UAE healthcare regulator)
The UAE healthcare regulator is the federal health authority covering the Northern Emirates — Sharjah, Ajman, Ras Al Khaimah, Fujairah, Umm Al Quwain — and sets national policy. It coordinates cross-emirate standards, supervises rollout in non-the UAE healthcare regulator emirates, and maintains the federal Malaffi record exchange.
Source: the UAE healthcare regulator circular No. 16/2013 (mandatory insurance Dubai), the UAE healthcare regulator Resolution No. 1/2014 (Abu Dhabi updates), the federal mandate 2023.
Questions
About UAE health insurance.
Health Insurance in the UAE — FAQ
Is health insurance mandatory in the UAE?
Yes. Health insurance is mandatory for all residents in Abu Dhabi (since 2006) and Dubai (since 2014). Other emirates are progressively implementing mandatory schemes under the UAE healthcare regulator regulations. Employers are required to provide health insurance for their employees, and in many cases, for dependants as well.
What is the cheapest health insurance in the UAE?
The most affordable plans start from around AED 600–750/year for Daman Basic (Abu Dhabi mandatory scheme) and AED 2,200–2,800/year for basic Dubai plans that meet the mandatory minimum. These cover inpatient, outpatient, and emergency care but typically exclude dental, optical, and maternity.
What does health insurance typically cover in the UAE?
Every plan that meets the Dubai or Abu Dhabi mandatory minimum must cover inpatient hospitalisation, outpatient consultations, emergency treatment, prescribed medications, maternity (with waiting periods), and preventive care. Enhanced and premium plans add dental, optical, mental health, alternative medicine, and international coverage.
How do I choose between insurance providers in the UAE?
Consider: (1) Network size — how many hospitals and clinics accept the plan in your city, (2) Coverage — dental, maternity, optical, mental health, (3) Co-pay — what percentage you pay at each visit, (4) Annual limit — maximum the insurer will pay per year, and (5) Premium — what it costs annually. Use our plan comparison tool above to evaluate side-by-side.
Can I use my health insurance across different emirates?
It depends on the plan. Basic plans issued under the Dubai or Abu Dhabi mandatory schemes may only cover providers in their own emirate. Enhanced and premium plans from national insurers like AXA, Cigna, Bupa, and Oman Insurance typically provide multi-emirate coverage across all UAE cities.
What happens if my insurance doesn't cover a treatment?
If a treatment is excluded from your plan, you have several options: (1) pay out-of-pocket at the provider, (2) request a pre-authorisation exception from your insurer with a supporting letter from your doctor, (3) appeal the rejection in writing within 30 days — the UAE's health regulators mandate formal grievance processes for insurers, (4) escalate to the UAE healthcare regulator Complaints Centre (Dubai) or the UAE healthcare regulator (Abu Dhabi) if the insurer's response is unsatisfactory. Some plans offer supplemental riders (add-ons) that can be purchased to cover excluded treatments such as oncology, physiotherapy, or bariatric surgery.
Can I switch health insurance providers in the UAE?
Yes, but the timing and process depend on your situation. Employees can request to change plans at renewal with employer approval. Self-sponsored residents can switch at any time by purchasing a new policy and cancelling the old one, though pre-existing conditions may face waiting periods under the new plan. In Dubai, the UAE healthcare regulator requires continuous coverage — there must be no gap between cancellation and new policy activation. When switching, confirm the new plan's network includes your preferred hospitals and check if any ongoing treatments require continuity of cover.
What is the difference between an insurer and a TPA?
A health insurer underwrites the risk and is financially responsible for paying claims. A Third-Party Administrator (TPA) is a specialised company that handles the operational side — processing claims, managing pre-authorisations, maintaining provider networks, and handling member services — on behalf of the insurer. In the UAE, major TPAs include NAS, Nextcare, and Mednet. When you visit a clinic, you may be dealing with the TPA's card and network even though the underlying insurer is, say, Oman Insurance or Al Sagr. Knowing your TPA is useful because they are the first point of contact for claim disputes and pre-approvals.
Disclaimer. Premium ranges and coverage details shown are indicative, based on publicly available UAE insurance market data. Actual premiums vary by age, nationality, visa type, employer group size, and medical history. Always obtain a personalised quote from the insurer or an authorised broker before purchasing. Data cross-referenced with the UAE Open Healthcare Directory, last verified March 2026.