Question 1

Which is better, Dubai Insurance Company or Salama Islamic Insurance?

Accepted Answer

It depends on your needs. Dubai Insurance Company has 8,676 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. Salama Islamic Insurance has 5,843 providers across 8 cities with 2 plans from AED 2,500/yr. Choose Dubai Insurance Company if you need a larger provider network. Choose Salama Islamic Insurance if you prioritise more comprehensive coverage options.

Question 2

Is Dubai Insurance Company cheaper than Salama Islamic Insurance?

Accepted Answer

Both Dubai Insurance Company and Salama Islamic Insurance 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.

Question 3

Which has a bigger network in Dubai, Dubai Insurance Company or Salama Islamic Insurance?

Accepted Answer

Dubai Insurance Company has a larger Dubai network with 5,248 providers, compared to Salama Islamic Insurance's 3,163 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does Dubai Insurance Company or Salama Islamic Insurance cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. Dubai Insurance Company's dental sub-limit goes up to AED 3,500/yr, while Salama Islamic Insurance offers up to AED 4,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Dubai Insurance Company to Salama Islamic Insurance?

Accepted Answer

Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Dubai Insurance Company to Salama Islamic 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 Dubai Insurance Company and Salama Islamic Insurance have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Dubai Insurance Company and Salama Islamic Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Dubai Insurance Company and Salama Islamic Insurance side-by-side. Key factors to compare: (1) Annual premium — Dubai Insurance Company starts from AED 2,500/yr, Salama Islamic Insurance from AED 2,500/yr, (2) Network size — 8,676 vs 5,843 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	Dubai Insurance Company	Salama Islamic Insurance
Type	private	private
Founded	1970	1979
Headquarters	Dubai	Dubai
Regulators	DHA	DHA, HAAD, MOHAP
Number of Plans	2	2
Premium Range	AED 2,500 – 12,000	AED 2,500 – 13,000
Total Network Size	8,676	5,843
Cities Covered	8	8
Dental	Yes	Yes
Optical	Yes	Yes
Maternity	Yes	Yes
Mental Health	Yes	Yes
International	No	No
Co-pay Range	20%	20%
Claims Phone	04-262-5252	800-72526

City	Dubai Insurance Company	vs	Salama Islamic Insurance
Dubai	5,248	vs	3,163
Abu Dhabi	1,107	vs	1,213
Sharjah	1,310	vs	894
Al Ain	371	vs	235
Ajman	321	vs	140
Ras Al Khaimah	175	vs	108
Fujairah	106	vs	66
Umm Al Quwain	38	vs	24

Dubai Insurance Company vs Salama Islamic Insurance

Dubai Insurance Company

Salama Islamic Insurance

Dubai Insurance Company vs Salama Islamic Insurance — At a Glance

Network Comparison by City

Dubai Insurance Company Plans

DIC Essential Health

DIC Corporate Health

Salama Islamic Insurance Plans

Salama Basic Takaful Health

Salama Enhanced Takaful Health

Verdict

Dubai Insurance Company vs Salama Islamic Insurance — FAQ

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