Question 1

Which is better, MetLife or Takaful Emarat?

Accepted Answer

It depends on your needs. MetLife has 8,008 providers across 8 cities and offers 2 plans starting from AED 2,800/yr. Takaful Emarat has 8,040 providers across 8 cities with 2 plans from AED 2,500/yr. Choose MetLife 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.

Question 2

Is MetLife cheaper than Takaful Emarat?

Accepted Answer

No, Takaful Emarat's entry-level plan starts from AED 2,500/yr, while MetLife's cheapest plan begins at AED 2,800/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.

Question 3

Which has a bigger network in Dubai, MetLife or Takaful Emarat?

Accepted Answer

MetLife has a larger Dubai network with 4,616 providers, compared to Takaful Emarat's 4,174 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does MetLife or Takaful Emarat cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. MetLife's dental sub-limit goes up to AED 3,500/yr, while Takaful Emarat offers up to AED 3,500/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from MetLife to Takaful Emarat?

Accepted Answer

Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from MetLife to Takaful Emarat (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 MetLife and Takaful Emarat have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare MetLife and Takaful Emarat plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare MetLife and Takaful Emarat side-by-side. Key factors to compare: (1) Annual premium — MetLife starts from AED 2,800/yr, Takaful Emarat from AED 2,500/yr, (2) Network size — 8,008 vs 8,040 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	MetLife	Takaful Emarat
Type	private	private
Founded	1868	2008
Headquarters	Dubai	Dubai
Regulators	DHA, HAAD	DHA, HAAD, MOHAP
Number of Plans	2	2
Premium Range	AED 2,800 – 13,000	AED 2,500 – 12,000
Total Network Size	8,008	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	800-638543	800-825235

City	MetLife	vs	Takaful Emarat
Dubai	4,616	vs	4,174
Abu Dhabi	1,744	vs	1,628
Sharjah	806	vs	1,238
Al Ain	344	vs	332
Ajman	220	vs	411
Ras Al Khaimah	150	vs	160
Fujairah	93	vs	74
Umm Al Quwain	35	vs	23

MetLife vs Takaful Emarat

MetLife

Takaful Emarat

MetLife vs Takaful Emarat — At a Glance

Network Comparison by City

MetLife Plans

MetLife Essential Health

MetLife Corporate Plus

Takaful Emarat Plans

Takaful Emarat Basic Takaful

Takaful Emarat Enhanced Takaful

Verdict

MetLife vs Takaful Emarat — FAQ

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