Arabia Insurance vs Union Insurance
UAE Health Insurance Comparison 2026
Arabia Insurance
private4,594 providers
2 plans
Est. 1944
DHA, HAAD regulated
Union Insurance
private6,349 providers
2 plans
Est. 1998
HAAD, DHA regulated
Arabia Insurance has 2 plans starting from AED 2,500/yr with 4,594 providers across 8 cities. Union Insurance has 2 plans starting from AED 2,300/yr with 6,349 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Arabia Insurance vs Union Insurance — At a Glance
| Attribute | Arabia Insurance | Union Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1944 | 1998 |
| Headquarters | Beirut (UAE offices in Abu Dhabi, Dubai, Sharjah) | Dubai |
| Regulators | DHA, HAAD | HAAD, DHA |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 11,000 | AED 2,300 – 10,500 |
| Total Network Size | 4,594 | 6,349 |
| 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 | 02-677-5050 |
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 | Union Insurance |
|---|---|---|---|
| Dubai | 2,550 | vs | 3,229 |
| Abu Dhabi | 880 | vs | 1,646 |
| Sharjah | 666 | vs | 838 |
| Al Ain | 196 | vs | 237 |
| Ajman | 124 | vs | 162 |
| Ras Al Khaimah | 108 | vs | 133 |
| Fujairah | 58 | vs | 77 |
| Umm Al Quwain | 12 | vs | 27 |
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 →Union Insurance Plans
Union Insurance
Union Basic Health
SMEs in Abu Dhabi and Dubai meeting mandatory requirements
AED 2,300 – 4,200/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
6,349 providers
View details →Union Insurance
Union Enhanced Health
Corporate employees and families in Abu Dhabi and Dubai
AED 5,000 – 10,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
6,349 providers
View details →Verdict
Choose Arabia Insurance if you need strong coverage and established reputation. Choose Union Insurance if you prioritise a larger provider network, lower entry-level premiums, 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 Union Insurance — FAQ
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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 Union Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.