Fidelity United Insurance vs RAK Insurance
UAE Health Insurance Comparison 2026
Fidelity United Insurance
private5,583 providers
2 plans
Est. 1976
DHA regulated
RAK Insurance
private3,552 providers
2 plans
Est. 1974
MOHAP regulated
Fidelity United Insurance has 2 plans starting from AED 2,300/yr with 5,583 providers across 8 cities. RAK Insurance has 2 plans starting from AED 2,000/yr with 3,552 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Fidelity United Insurance vs RAK Insurance — At a Glance
| Attribute | Fidelity United Insurance | RAK Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1976 | 1974 |
| Headquarters | Dubai | Ras Al Khaimah |
| Regulators | DHA | MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,300 – 10,500 | AED 2,000 – 8,500 |
| Total Network Size | 5,583 | 3,552 |
| 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 | 04-263-2444 | 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 | Fidelity United Insurance | vs | RAK Insurance |
|---|---|---|---|
| Dubai | 3,434 | vs | 1,375 |
| Sharjah | 829 | vs | 585 |
| Abu Dhabi | 686 | vs | 618 |
| Ajman | 244 | vs | 238 |
| Ras Al Khaimah | 95 | vs | 365 |
| Al Ain | 219 | vs | 186 |
| Fujairah | 61 | vs | 146 |
| Umm Al Quwain | 15 | vs | 39 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Fidelity United Insurance Plans
Fidelity United Insurance
Fidelity Basic Health
Small businesses in Dubai meeting DHA mandatory requirements
AED 2,300 – 4,200/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
5,583 providers
View details →Fidelity United Insurance
Fidelity Corporate Health
Corporate employees in Dubai
AED 5,000 – 10,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
5,583 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
3,552 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
3,552 providers
View details →Verdict
Choose Fidelity United Insurance 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.
Fidelity United Insurance vs RAK Insurance — 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 Fidelity United Insurance and RAK Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.