IRIS Health vs Takaful Emarat
UAE Health Insurance Comparison 2026
IRIS Health
tpa5,962 providers
2 plans
Est. 2003
DHA, HAAD regulated
Takaful Emarat
private8,040 providers
2 plans
Est. 2008
DHA, HAAD, MOHAP regulated
IRIS Health has 2 plans starting from AED 2,800/yr with 5,962 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.
IRIS Health vs Takaful Emarat — At a Glance
| Attribute | IRIS Health | Takaful Emarat |
|---|---|---|
| Type | tpa | private |
| Founded | 2003 | 2008 |
| Headquarters | Dubai | Dubai |
| Regulators | DHA, HAAD | DHA, HAAD, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,800 – 11,500 | AED 2,500 – 12,000 |
| Total Network Size | 5,962 | 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 | 04-340-0220 | 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 | IRIS Health | vs | Takaful Emarat |
|---|---|---|---|
| Dubai | 3,528 | vs | 4,174 |
| Abu Dhabi | 1,332 | vs | 1,628 |
| Sharjah | 478 | vs | 1,238 |
| Al Ain | 259 | vs | 332 |
| Ajman | 149 | vs | 411 |
| Ras Al Khaimah | 126 | vs | 160 |
| Fujairah | 67 | vs | 74 |
| Umm Al Quwain | 23 | vs | 23 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
IRIS Health Plans
IRIS Health
IRIS Managed Essential
Companies using IRIS-administered plans for mandatory compliance
AED 2,800 – 5,000/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
5,962 providers
View details →IRIS Health
IRIS Managed Plus
Corporate groups seeking personalised TPA-managed coverage
AED 5,500 – 11,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
5,962 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 IRIS Health if you need strong coverage and established reputation. Choose Takaful Emarat if you prioritise a larger provider network, lower entry-level premiums, 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.
IRIS Health 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 IRIS Health and Takaful Emarat or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.