Question 1

Which is better, Aetna International or Takaful Emarat?

Accepted Answer

It depends on your needs. Aetna International has 6,001 providers across 8 cities and offers 2 plans starting from AED 7,000/yr. Takaful Emarat has 8,040 providers across 8 cities with 2 plans from AED 2,500/yr. Choose Aetna International if you need more comprehensive coverage options. Choose Takaful Emarat if you prioritise a larger provider network, lower entry-level premiums.

Question 2

Is Aetna International cheaper than Takaful Emarat?

Accepted Answer

No, Takaful Emarat's entry-level plan starts from AED 2,500/yr, while Aetna International's cheapest plan begins at AED 7,000/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.

Question 3

Which has a bigger network in Dubai, Aetna International or Takaful Emarat?

Accepted Answer

Takaful Emarat has a larger Dubai network with 4,174 providers, compared to Aetna International's 3,779 providers. Network sizes are based on the UAE Open Healthcare Directory data.

Question 4

Does Aetna International or Takaful Emarat cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. Aetna International's dental sub-limit goes up to AED 12,000/yr, while Takaful Emarat offers up to AED 3,500/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Aetna International to Takaful Emarat?

Accepted Answer

Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Aetna International to Takaful Emarat (or vice versa), be aware of: (1) Pre-existing condition waiting periods may restart — check the new insurer's policy, (2) Maternity waiting periods usually reset, (3) Any ongoing treatment authorisations need to be re-submitted. Coordinate with your employer's HR department if on a group plan. Both Aetna International and Takaful Emarat have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Aetna International and Takaful Emarat plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Aetna International and Takaful Emarat side-by-side. Key factors to compare: (1) Annual premium — Aetna International starts from AED 7,000/yr, Takaful Emarat from AED 2,500/yr, (2) Network size — 6,001 vs 8,040 providers, (3) Coverage — dental, optical, maternity, and mental health inclusion, (4) Co-pay percentages, and (5) Provider availability in your city. Scroll down for the full comparison table.

Attribute	Aetna International	Takaful Emarat
Type	private	private
Founded	1853	2008
Headquarters	Dubai	Dubai
Regulators	DHA, HAAD	DHA, HAAD, MOHAP
Number of Plans	2	2
Premium Range	AED 7,000 – 36,000	AED 2,500 – 12,000
Total Network Size	6,001	8,040
Cities Covered	8	8
Dental	Yes	Yes
Optical	Yes	Yes
Maternity	Yes	Yes
Mental Health	Yes	Yes
International	Yes	No
Co-pay Range	0% – 20%	20%
Claims Phone	800-423862	800-825235

City	Aetna International	vs	Takaful Emarat
Dubai	3,779	vs	4,174
Abu Dhabi	1,252	vs	1,628
Sharjah	391	vs	1,238
Ajman	146	vs	411
Al Ain	221	vs	332
Ras Al Khaimah	116	vs	160
Fujairah	78	vs	74
Umm Al Quwain	18	vs	23

Aetna International vs Takaful Emarat

Aetna International

Takaful Emarat

Aetna International vs Takaful Emarat — At a Glance

Network Comparison by City

Aetna International Plans

Aetna Core Health

Aetna Premier

Takaful Emarat Plans

Takaful Emarat Basic Takaful

Takaful Emarat Enhanced Takaful

Verdict

Aetna International vs Takaful Emarat — FAQ

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