Arabia Insurance vs Takaful Emarat
UAE Health Insurance Comparison 2026
Arabia Insurance
private4,530 providers
2 plans
Est. 1944
DHA, HAAD regulated
Takaful Emarat
private7,943 providers
2 plans
Est. 2008
DHA, HAAD, MOHAP regulated
Arabia Insurance has 2 plans starting from AED 2,500/yr with 4,530 providers across 8 cities. Takaful Emarat has 2 plans starting from AED 2,500/yr with 7,943 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 | 4,530 | 7,943 |
| 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 | 2,500 | vs | 4,104 |
| Abu Dhabi | 880 | vs | 1,626 |
| Sharjah | 662 | vs | 1,232 |
| Ajman | 123 | vs | 405 |
| Al Ain | 191 | vs | 328 |
| Ras Al Khaimah | 105 | vs | 152 |
| Fujairah | 57 | vs | 73 |
| 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
4,530 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 →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
7,943 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
7,943 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
Which is better, Arabia Insurance or Takaful Emarat?
It depends on your needs. Arabia Insurance has 4,530 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. Takaful Emarat has 7,943 providers across 8 cities with 2 plans from AED 2,500/yr. 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.
Is Arabia Insurance cheaper than Takaful Emarat?
Both Arabia Insurance and Takaful Emarat have entry-level plans starting from AED 2,500/yr. However, pricing varies by age, nationality, visa type, and employer. Compare enhanced and premium tiers for a full picture, and always obtain personalised quotes.
Which has a bigger network in Dubai, Arabia Insurance or Takaful Emarat?
Takaful Emarat has a larger Dubai network with 4,104 providers, compared to Arabia Insurance's 2,500 providers. Network sizes are based on the UAE Open Healthcare Directory data.
Does Arabia Insurance or Takaful Emarat 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 Takaful Emarat offers up to AED 3,500/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Arabia Insurance to Takaful Emarat?
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 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 Arabia Insurance and Takaful Emarat have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Arabia Insurance and Takaful Emarat plans?
Use the UAE Health Insurance Navigator on this page to compare Arabia Insurance and Takaful Emarat side-by-side. Key factors to compare: (1) Annual premium — Arabia Insurance starts from AED 2,500/yr, Takaful Emarat from AED 2,500/yr, (2) Network size — 4,530 vs 7,943 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 Takaful Emarat or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.