Arabia Insurance vs RAK Insurance
UAE Health Insurance Comparison 2026
Arabia Insurance
private4,530 providers
2 plans
Est. 1944
DHA, HAAD regulated
RAK Insurance
private3,503 providers
2 plans
Est. 1974
MOHAP regulated
Arabia Insurance has 2 plans starting from AED 2,500/yr with 4,530 providers across 8 cities. RAK Insurance has 2 plans starting from AED 2,000/yr with 3,503 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Arabia Insurance vs RAK Insurance — At a Glance
| Attribute | Arabia Insurance | RAK Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1944 | 1974 |
| Headquarters | Beirut (UAE offices in Abu Dhabi, Dubai, Sharjah) | Ras Al Khaimah |
| Regulators | DHA, HAAD | MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 11,000 | AED 2,000 – 8,500 |
| Total Network Size | 4,530 | 3,503 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | No |
| Maternity | Yes | Yes |
| Mental Health | No | No |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 04-265-1500 | 07-228-8444 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | Arabia Insurance | vs | RAK Insurance |
|---|---|---|---|
| Dubai | 2,500 | vs | 1,356 |
| Abu Dhabi | 880 | vs | 618 |
| Sharjah | 662 | vs | 585 |
| Ras Al Khaimah | 105 | vs | 346 |
| Al Ain | 191 | vs | 183 |
| Ajman | 123 | vs | 234 |
| Fujairah | 57 | vs | 143 |
| Umm Al Quwain | 12 | vs | 38 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Arabia Insurance Plans
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
4,530 providers
View details →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
4,530 providers
View details →RAK Insurance Plans
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
3,503 providers
View details →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
3,503 providers
View details →Verdict
Choose Arabia Insurance if you need a larger provider network, more comprehensive coverage options. Choose RAK Insurance if you prioritise lower entry-level premiums. Both are established insurers in the UAE market. The best choice depends on your employer's plan options, budget, required coverage, and preferred hospital network in your city.
Arabia Insurance vs RAK Insurance — FAQ
Which is better, Arabia Insurance or RAK Insurance?
It depends on your needs. Arabia Insurance has 4,530 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. RAK Insurance has 3,503 providers across 8 cities with 2 plans from AED 2,000/yr. Choose Arabia Insurance if you need a larger provider network, more comprehensive coverage options. Choose RAK Insurance if you prioritise lower entry-level premiums.
Is Arabia Insurance cheaper than RAK Insurance?
No, RAK Insurance's entry-level plan starts from AED 2,000/yr, while Arabia Insurance's cheapest plan begins at AED 2,500/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.
Which has a bigger network in Dubai, Arabia Insurance or RAK Insurance?
Arabia Insurance has a larger Dubai network with 2,500 providers, compared to RAK Insurance's 1,356 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does Arabia Insurance or RAK Insurance cover dental?
Both insurers offer dental coverage on their enhanced and premium plans. Arabia Insurance's dental sub-limit goes up to AED 3,000/yr, while RAK Insurance offers up to AED 2,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Arabia Insurance to RAK Insurance?
Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Arabia Insurance to RAK Insurance (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 Arabia Insurance and RAK Insurance have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Arabia Insurance and RAK Insurance plans?
Use the UAE Health Insurance Navigator on this page to compare Arabia Insurance and RAK Insurance side-by-side. Key factors to compare: (1) Annual premium — Arabia Insurance starts from AED 2,500/yr, RAK Insurance from AED 2,000/yr, (2) Network size — 4,530 vs 3,503 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.
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Disclaimer: Plan details, premiums, and network sizes are indicative, based on publicly available UAE insurance market data. Obtain personalised quotes from Arabia Insurance and RAK Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.