Emirates Insurance Company vs RAK Insurance
UAE Health Insurance Comparison 2026
Emirates Insurance Company
private5,595 providers
2 plans
Est. 1982
DHA, MOHAP regulated
RAK Insurance
private3,503 providers
2 plans
Est. 1974
MOHAP regulated
Emirates Insurance Company has 2 plans starting from AED 2,200/yr with 5,595 providers across 8 cities. RAK Insurance has 2 plans starting from AED 2,000/yr with 3,503 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Emirates Insurance Company vs RAK Insurance — At a Glance
| Attribute | Emirates Insurance Company | RAK Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1982 | 1974 |
| Headquarters | Abu Dhabi | Ras Al Khaimah |
| Regulators | DHA, MOHAP | MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,200 – 11,000 | AED 2,000 – 8,500 |
| Total Network Size | 5,595 | 3,503 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | No |
| Maternity | Yes | Yes |
| Mental Health | Yes | No |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 800-364728 | 07-228-8444 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | Emirates Insurance Company | vs | RAK Insurance |
|---|---|---|---|
| Dubai | 3,271 | vs | 1,356 |
| Sharjah | 898 | vs | 585 |
| Abu Dhabi | 713 | vs | 618 |
| Ajman | 291 | vs | 234 |
| Ras Al Khaimah | 107 | vs | 346 |
| Al Ain | 224 | vs | 183 |
| Fujairah | 72 | vs | 143 |
| Umm Al Quwain | 19 | vs | 38 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Emirates Insurance Company Plans
Emirates Insurance Company
Emirates Essential Health
Individuals and SMEs in Dubai and Northern Emirates
AED 2,200 – 4,000/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
5,595 providers
View details →Emirates Insurance Company
Emirates Corporate Health
Corporate employees in Dubai and Northern Emirates
AED 5,000 – 11,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
5,595 providers
View details →RAK Insurance Plans
RAK Insurance
RAK Basic Health
Employees in Northern Emirates meeting MOHAP requirements
AED 2,000 – 3,500/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
3,503 providers
View details →RAK Insurance
RAK Enhanced Health
Corporate employees and families in Northern Emirates
AED 4,000 – 8,500/yr
Annual limit: AED 350,000 · semi-private room · 20% co-pay
3,503 providers
View details →Verdict
Choose Emirates Insurance Company if you need a larger provider network, more comprehensive coverage options. Choose RAK Insurance if you prioritise lower entry-level premiums. 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.
Emirates Insurance Company vs RAK Insurance — FAQ
Which is better, Emirates Insurance Company or RAK Insurance?
It depends on your needs. Emirates Insurance Company has 5,595 providers across 8 cities and offers 2 plans starting from AED 2,200/yr. RAK Insurance has 3,503 providers across 8 cities with 2 plans from AED 2,000/yr. Choose Emirates Insurance Company if you need a larger provider network, more comprehensive coverage options. Choose RAK Insurance if you prioritise lower entry-level premiums.
Is Emirates Insurance Company cheaper than RAK Insurance?
No, RAK Insurance's entry-level plan starts from AED 2,000/yr, while Emirates Insurance Company's cheapest plan begins at AED 2,200/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.
Which has a bigger network in Dubai, Emirates Insurance Company or RAK Insurance?
Emirates Insurance Company has a larger Dubai network with 3,271 providers, compared to RAK Insurance's 1,356 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does Emirates Insurance Company or RAK Insurance cover dental?
Both insurers offer dental coverage on their enhanced and premium plans. Emirates Insurance Company's dental sub-limit goes up to AED 3,000/yr, while RAK Insurance offers up to AED 2,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Emirates Insurance Company to RAK Insurance?
Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Emirates Insurance Company to RAK 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 Emirates Insurance Company and RAK Insurance have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Emirates Insurance Company and RAK Insurance plans?
Use the UAE Health Insurance Navigator on this page to compare Emirates Insurance Company and RAK Insurance side-by-side. Key factors to compare: (1) Annual premium — Emirates Insurance Company starts from AED 2,200/yr, RAK Insurance from AED 2,000/yr, (2) Network size — 5,595 vs 3,503 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 Emirates Insurance Company and RAK Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.