Question 1

Which is better, Emirates Insurance Company or Union Insurance?

Accepted Answer

It depends on your needs. Emirates Insurance Company has 5,672 providers across 8 cities and offers 2 plans starting from AED 2,200/yr. Union Insurance has 6,349 providers across 8 cities with 2 plans from AED 2,300/yr. Choose Emirates Insurance Company if you need lower entry-level premiums. Choose Union Insurance if you prioritise a larger provider network.

Question 2

Is Emirates Insurance Company cheaper than Union Insurance?

Accepted Answer

Yes, Emirates Insurance Company's entry-level plan starts from AED 2,200/yr, compared to Union Insurance's cheapest plan at AED 2,300/yr. However, plan pricing varies by age, nationality, visa type, and employer. Enhanced and premium tiers may differ. Always obtain a personalised quote from each insurer.

Question 3

Which has a bigger network in Dubai, Emirates Insurance Company or Union Insurance?

Accepted Answer

Emirates Insurance Company has a larger Dubai network with 3,325 providers, compared to Union Insurance's 3,229 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does Emirates Insurance Company or Union Insurance cover dental?

Accepted Answer

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 Union Insurance offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Emirates Insurance Company to Union 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 Emirates Insurance Company to Union 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 Union Insurance have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Emirates Insurance Company and Union Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Emirates Insurance Company and Union Insurance side-by-side. Key factors to compare: (1) Annual premium — Emirates Insurance Company starts from AED 2,200/yr, Union Insurance from AED 2,300/yr, (2) Network size — 5,672 vs 6,349 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	Emirates Insurance Company	Union Insurance
Type	private	private
Founded	1982	1998
Headquarters	Abu Dhabi	Dubai
Regulators	DHA, MOHAP	HAAD, DHA
Number of Plans	2	2
Premium Range	AED 2,200 – 11,000	AED 2,300 – 10,500
Total Network Size	5,672	6,349
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	02-677-5050

City	Emirates Insurance Company	vs	Union Insurance
Dubai	3,325	vs	3,229
Abu Dhabi	714	vs	1,646
Sharjah	905	vs	838
Al Ain	227	vs	237
Ajman	295	vs	162
Ras Al Khaimah	112	vs	133
Fujairah	74	vs	77
Umm Al Quwain	20	vs	27

Emirates Insurance Company vs Union Insurance

Emirates Insurance Company

Union Insurance

Emirates Insurance Company vs Union Insurance — At a Glance

Network Comparison by City

Emirates Insurance Company Plans

Emirates Essential Health

Emirates Corporate Health

Union Insurance Plans

Union Basic Health

Union Enhanced Health

Verdict

Emirates Insurance Company vs Union Insurance — FAQ

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