Question 1

Which is better, MSH International or Takaful Emarat?

Accepted Answer

It depends on your needs. MSH International has 4,738 providers across 8 cities and offers 2 plans starting from AED 6,500/yr. Takaful Emarat has 8,040 providers across 8 cities with 2 plans from AED 2,500/yr. Choose MSH International if you need more comprehensive coverage options. Choose Takaful Emarat if you prioritise a larger provider network, lower entry-level premiums.

Question 2

Is MSH International cheaper than Takaful Emarat?

Accepted Answer

No, Takaful Emarat's entry-level plan starts from AED 2,500/yr, while MSH International's cheapest plan begins at AED 6,500/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, MSH International or Takaful Emarat?

Accepted Answer

Takaful Emarat has a larger Dubai network with 4,174 providers, compared to MSH International's 2,896 providers. Network sizes are based on the UAE Open Healthcare Directory data.

Question 4

Does MSH International or Takaful Emarat cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. MSH International's dental sub-limit goes up to AED 8,000/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 MSH International 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 MSH International 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 MSH International and Takaful Emarat have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare MSH International and Takaful Emarat plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare MSH International and Takaful Emarat side-by-side. Key factors to compare: (1) Annual premium — MSH International starts from AED 6,500/yr, Takaful Emarat from AED 2,500/yr, (2) Network size — 4,738 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	MSH International	Takaful Emarat
Type	private	private
Founded	1974	2008
Headquarters	Dubai	Dubai
Regulators	DHA, HAAD	DHA, HAAD, MOHAP
Number of Plans	2	2
Premium Range	AED 6,500 – 30,000	AED 2,500 – 12,000
Total Network Size	4,738	8,040
Cities Covered	8	8
Dental	Yes	Yes
Optical	Yes	Yes
Maternity	Yes	Yes
Mental Health	Yes	Yes
International	Yes	No
Co-pay Range	0% – 20%	20%
Claims Phone	04-327-3500	800-825235

City	MSH International	vs	Takaful Emarat
Dubai	2,896	vs	4,174
Abu Dhabi	1,054	vs	1,628
Sharjah	334	vs	1,238
Ajman	108	vs	411
Al Ain	182	vs	332
Ras Al Khaimah	91	vs	160
Fujairah	60	vs	74
Umm Al Quwain	13	vs	23

MSH International vs Takaful Emarat

MSH International

Takaful Emarat

MSH International vs Takaful Emarat — At a Glance

Network Comparison by City

MSH International Plans

MSH Essential Plus

MSH Premium International

Takaful Emarat Plans

Takaful Emarat Basic Takaful

Takaful Emarat Enhanced Takaful

Verdict

MSH International vs Takaful Emarat — FAQ

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