UAE insurer profile
Al Dhafra Insurance
Est. 1979 · Abu Dhabi · DOH regulated
3,187 healthcare providers in 8 UAE cities list Al Dhafra Insurance as an accepted insurer in the UAE Open Healthcare Directory. The plan tiers and premiums below are indicative figures compiled by Zavis, not Al Dhafra Insurance's published plan list or prices: confirm cover and price with Al Dhafra Insurance or an authorised broker. The network counts come from insurer lists on Zavis listings that are not yet confirmed against Al Dhafra Insurance's network list; confirm with Al Dhafra Insurance before a visit. How Zavis sources data.
At a glance
Key facts.
- Abu Dhabi-based insurer with over four decades in the market
- Focus on group health and motor insurance
- Strong presence in Abu Dhabi Western Region (Al Dhafra)
- Competitive pricing for government-linked employers
Coverage matrix
Coverage at a glance.
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| Al Dhafra Basic Health | Basic | AED 2,000 – 3,800/yr | AED 200,000 | 20% | — | — |
| Al Dhafra Enhanced Health | Enhanced | AED 4,500 – 9,000/yr | AED 400,000 | 20% | ✓ | ✓ |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Plan catalogue
Insurance plans.
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
3,187 providers
View details →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
3,187 providers
View details →Who accepts this
Provider network.
Providers by City
Top Specialties in Network
The claims flow
How claims work with Al Dhafra Insurance.
Direct billing. Present your Al Dhafra Insurance insurance card at any in-network provider. The clinic or hospital bills Al Dhafra Insurance directly — you pay only your applicable co-pay (20%–20% outpatient) at the point of care. No paperwork required.
Reimbursement claims. For out-of-network or emergency treatment, collect itemised invoices and medical reports, then submit via aldhafrainsurance.ae or call 02-622-2212. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact Al Dhafra Insurance at least 48 hours in advance.
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Questions
About Al Dhafra Insurance.
Al Dhafra Insurance Insurance — FAQ
What health insurance plans does Al Dhafra Insurance offer in the UAE?
This page summarises 2 indicative Al Dhafra Insurance plan tiers compiled by Zavis (Al Dhafra Basic Health, Al Dhafra Enhanced Health), with indicative annual premiums from AED 2,000 – 3,800/yr to AED 4,500 – 9,000/yr. They are not Al Dhafra Insurance's published plan list or prices, so ask Al Dhafra Insurance or an authorised broker for its current plans and a quote.
How many healthcare providers accept Al Dhafra Insurance insurance?
3,187 healthcare providers in 8 UAE cities list Al Dhafra Insurance as an accepted insurer in the UAE Open Healthcare Directory. Network counts come from the insurance lists on each listing, so confirm with the provider that your plan tier is accepted before you book.
Does Al Dhafra Insurance cover dental and maternity?
Dental and maternity coverage depends on the plan tier. Yes, Al Dhafra Insurance's enhanced and premium plans include dental coverage. Maternity is covered with waiting periods ranging from 12 to 12 months.
Is Al Dhafra Insurance compliant with Dubai and Abu Dhabi health insurance rules?
Al Dhafra Insurance is regulated by DOH. Oversight in Abu Dhabi means its plans there must meet the emirate's mandatory Thiqa and basic scheme requirements.
How do I file a claim with Al Dhafra Insurance?
To file a claim with Al Dhafra Insurance, call their claims line at 02-622-2212. For direct billing, simply present your Al Dhafra Insurance insurance card at any in-network provider — the clinic or hospital settles directly with the insurer. For reimbursement claims (out-of-network or emergency), submit itemised invoices, a completed claim form, and your doctor's report within 90 days of treatment via aldhafrainsurance.ae or by post to their Abu Dhabi office.
What is the cheapest Al Dhafra Insurance plan?
The most affordable Al Dhafra Insurance plan is the Al Dhafra Basic Health (Basic tier), starting from AED 2,000 – 3,800/yr annually. It covers inpatient, outpatient, maternity with a 20% outpatient co-pay and an annual limit of AED 200,000.
Does Al Dhafra Insurance have a mobile app for claims?
Al Dhafra Insurance offers digital claims submission through their member portal at aldhafrainsurance.ae. Most major UAE insurers, including Al Dhafra Insurance, provide a mobile app or online portal where members can submit reimbursement claims, view policy documents, check coverage limits, find in-network providers, and download tax invoices. Download the Al Dhafra Insurance app from the App Store or Google Play, or log in via their website to access self-service claim tools.
Disclaimer. Plan details and premiums are indicative. Obtain a personalised quote from Al Dhafra Insurance or an authorised broker. Provider network counts come from the insurance lists on UAE Open Healthcare Directory listings.