Dubai Insurance Company vs Takaful Emarat
UAE Health Insurance Comparison 2026
Dubai Insurance Company
private8,676 providers
2 plans
Est. 1970
DHA regulated
Takaful Emarat
private8,040 providers
2 plans
Est. 2008
DHA, HAAD, MOHAP regulated
Dubai Insurance Company has 2 plans starting from AED 2,500/yr with 8,676 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.
Dubai Insurance Company vs Takaful Emarat — At a Glance
| Attribute | Dubai Insurance Company | Takaful Emarat |
|---|---|---|
| Type | private | private |
| Founded | 1970 | 2008 |
| Headquarters | Dubai | Dubai |
| Regulators | DHA | DHA, HAAD, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 12,000 | AED 2,500 – 12,000 |
| Total Network Size | 8,676 | 8,040 |
| 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 | 800-825235 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | Dubai Insurance Company | vs | Takaful Emarat |
|---|---|---|---|
| Dubai | 5,248 | vs | 4,174 |
| Abu Dhabi | 1,107 | vs | 1,628 |
| Sharjah | 1,310 | vs | 1,238 |
| Ajman | 321 | vs | 411 |
| Al Ain | 371 | vs | 332 |
| Ras Al Khaimah | 175 | vs | 160 |
| Fujairah | 106 | vs | 74 |
| Umm Al Quwain | 38 | vs | 23 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Dubai Insurance Company Plans
Dubai Insurance Company
DIC Essential Health
Small businesses and individuals in Dubai meeting DHA mandate
AED 2,500 – 4,000/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
8,676 providers
View details →Dubai Insurance Company
DIC Corporate Health
Mid-size companies and their employees in Dubai
AED 5,000 – 12,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
8,676 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 Dubai Insurance Company if you need a larger provider network. Choose Takaful Emarat if you prioritise 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.
Dubai Insurance Company vs Takaful Emarat — 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 Dubai Insurance Company and Takaful Emarat or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.