Dubai Insurance Company vs Takaful Emarat
UAE Health Insurance Comparison 2026
Dubai Insurance Company
private8,554 providers
2 plans
Est. 1970
DHA regulated
Takaful Emarat
private7,943 providers
2 plans
Est. 2008
DHA, HAAD, MOHAP regulated
Dubai Insurance Company has 2 plans starting from AED 2,500/yr with 8,554 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.
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 | 8,554 | 7,943 |
| 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 | 5,156 | vs | 4,104 |
| Abu Dhabi | 1,106 | vs | 1,626 |
| Sharjah | 1,300 | vs | 1,232 |
| Ajman | 315 | vs | 405 |
| Al Ain | 366 | vs | 328 |
| Ras Al Khaimah | 167 | vs | 152 |
| Fujairah | 106 | vs | 73 |
| 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
8,554 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
8,554 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 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
Which is better, Dubai Insurance Company or Takaful Emarat?
It depends on your needs. Dubai Insurance Company has 8,554 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 Dubai Insurance Company if you need a larger provider network. Choose Takaful Emarat if you prioritise more comprehensive coverage options.
Is Dubai Insurance Company cheaper than Takaful Emarat?
Both Dubai Insurance Company 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, Dubai Insurance Company or Takaful Emarat?
Dubai Insurance Company has a larger Dubai network with 5,156 providers, compared to Takaful Emarat's 4,104 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does Dubai Insurance Company or Takaful Emarat cover dental?
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 Takaful Emarat offers up to AED 3,500/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Dubai Insurance Company 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 Dubai Insurance Company 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 Dubai Insurance Company and Takaful Emarat have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Dubai Insurance Company and Takaful Emarat plans?
Use the UAE Health Insurance Navigator on this page to compare Dubai Insurance Company and Takaful Emarat side-by-side. Key factors to compare: (1) Annual premium — Dubai Insurance Company starts from AED 2,500/yr, Takaful Emarat from AED 2,500/yr, (2) Network size — 8,554 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 Dubai Insurance Company and Takaful Emarat or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.