Question 1

Which is better, AXA or Noor Takaful?

Accepted Answer

It depends on your needs. AXA has 9,444 providers across 8 cities and offers 3 plans starting from AED 3,000/yr. Noor Takaful has 5,097 providers across 8 cities with 2 plans from AED 2,600/yr. Choose AXA if you need a larger provider network, more plan tiers to choose from, more comprehensive coverage options. Choose Noor Takaful if you prioritise lower entry-level premiums.

Question 2

Is AXA cheaper than Noor Takaful?

Accepted Answer

No, Noor Takaful's entry-level plan starts from AED 2,600/yr, while AXA's cheapest plan begins at AED 3,000/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, AXA or Noor Takaful?

Accepted Answer

AXA has a larger Dubai network with 5,070 providers, compared to Noor Takaful's 2,831 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does AXA or Noor Takaful cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. AXA's dental sub-limit goes up to AED 10,000/yr, while Noor Takaful offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from AXA to Noor Takaful?

Accepted Answer

Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from AXA to Noor Takaful (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 AXA and Noor Takaful have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare AXA and Noor Takaful plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare AXA and Noor Takaful side-by-side. Key factors to compare: (1) Annual premium — AXA starts from AED 3,000/yr, Noor Takaful from AED 2,600/yr, (2) Network size — 9,444 vs 5,097 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	AXA	Noor Takaful
Type	private	private
Founded	1985	2009
Headquarters	Dubai (Gulf HQ)	Dubai
Regulators	DHA, HAAD, MOHAP	DHA, HAAD
Number of Plans	3	2
Premium Range	AED 3,000 – 35,000	AED 2,600 – 11,000
Total Network Size	9,444	5,097
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	800-292	800-6667

City	AXA	vs	Noor Takaful
Dubai	5,070	vs	2,831
Abu Dhabi	2,141	vs	991
Sharjah	1,141	vs	757
Al Ain	435	vs	206
Ajman	272	vs	136
Ras Al Khaimah	224	vs	95
Fujairah	134	vs	66
Umm Al Quwain	27	vs	15

AXA vs Noor Takaful

AXA

Noor Takaful

AXA vs Noor Takaful — At a Glance

Network Comparison by City

AXA Plans

AXA SmartHealth Essential

AXA SmartHealth Gold

AXA SmartHealth Platinum

Noor Takaful Plans

Noor Basic Takaful Health

Noor Enhanced Takaful Health

Verdict

AXA vs Noor Takaful — FAQ

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