Arabia Insurance vs Takaful Emarat
UAE Health Insurance Comparison 2026
Arabia Insurance
private4,594 providers
2 plans
Est. 1944
DHA, HAAD regulated
Takaful Emarat
private8,040 providers
2 plans
Est. 2008
DHA, HAAD, MOHAP regulated
Arabia Insurance has 2 plans starting from AED 2,500/yr with 4,594 providers across 8 cities. Takaful Emarat has 2 plans starting from AED 2,500/yr with 8,040 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Arabia Insurance vs Takaful Emarat — At a Glance
| Attribute | Arabia Insurance | Takaful Emarat |
|---|---|---|
| Type | private | private |
| Founded | 1944 | 2008 |
| Headquarters | Beirut (UAE offices in Abu Dhabi, Dubai, Sharjah) | Dubai |
| Regulators | DHA, HAAD | DHA, HAAD, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 11,000 | AED 2,500 – 12,000 |
| Total Network Size | 4,594 | 8,040 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | No | Yes |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 04-265-1500 | 800-825235 |
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 | Takaful Emarat |
|---|---|---|---|
| Dubai | 2,550 | vs | 4,174 |
| Abu Dhabi | 880 | vs | 1,628 |
| Sharjah | 666 | vs | 1,238 |
| Ajman | 124 | vs | 411 |
| Al Ain | 196 | vs | 332 |
| Ras Al Khaimah | 108 | vs | 160 |
| Fujairah | 58 | vs | 74 |
| Umm Al Quwain | 12 | vs | 23 |
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
4,594 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
4,594 providers
View details →Takaful Emarat Plans
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
8,040 providers
View details →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
8,040 providers
View details →Verdict
Choose Arabia Insurance if you need strong coverage and established reputation. Choose Takaful Emarat if you prioritise a larger provider network, more comprehensive coverage options. 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 Takaful Emarat — FAQ
Related Comparisons
Disclaimer: Plan details, premiums, and network sizes are indicative, based on publicly available UAE insurance market data. Obtain personalised quotes from Arabia Insurance and Takaful Emarat or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.