Emirates Insurance Company vs Takaful Emarat
UAE Health Insurance Comparison 2026
Emirates Insurance Company
private5,672 providers
2 plans
Est. 1982
DHA, MOHAP regulated
Takaful Emarat
private8,040 providers
2 plans
Est. 2008
DHA, HAAD, MOHAP regulated
Emirates Insurance Company has 2 plans starting from AED 2,200/yr with 5,672 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.
Emirates Insurance Company vs Takaful Emarat — At a Glance
| Attribute | Emirates Insurance Company | Takaful Emarat |
|---|---|---|
| Type | private | private |
| Founded | 1982 | 2008 |
| Headquarters | Abu Dhabi | Dubai |
| Regulators | DHA, MOHAP | DHA, HAAD, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,200 – 11,000 | AED 2,500 – 12,000 |
| Total Network Size | 5,672 | 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 | 800-364728 | 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 | Emirates Insurance Company | vs | Takaful Emarat |
|---|---|---|---|
| Dubai | 3,325 | vs | 4,174 |
| Abu Dhabi | 714 | vs | 1,628 |
| Sharjah | 905 | vs | 1,238 |
| Ajman | 295 | vs | 411 |
| Al Ain | 227 | vs | 332 |
| Ras Al Khaimah | 112 | vs | 160 |
| Fujairah | 74 | vs | 74 |
| Umm Al Quwain | 20 | vs | 23 |
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
5,672 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
5,672 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 Emirates Insurance Company if you need lower entry-level premiums. Choose Takaful Emarat if you prioritise a larger provider network, 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.
Emirates 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 Emirates Insurance Company and Takaful Emarat or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.