Question 1

Which is better, Noor Takaful or Salama Islamic Insurance?

Accepted Answer

It depends on your needs. Noor Takaful has 5,097 providers across 8 cities and offers 2 plans starting from AED 2,600/yr. Salama Islamic Insurance has 5,843 providers across 8 cities with 2 plans from AED 2,500/yr. Choose Noor Takaful if you need strong coverage and established reputation. Choose Salama Islamic Insurance if you prioritise a larger provider network, lower entry-level premiums.

Question 2

Is Noor Takaful cheaper than Salama Islamic Insurance?

Accepted Answer

No, Salama Islamic Insurance's entry-level plan starts from AED 2,500/yr, while Noor Takaful's cheapest plan begins at AED 2,600/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, Noor Takaful or Salama Islamic Insurance?

Accepted Answer

Salama Islamic Insurance has a larger Dubai network with 3,163 providers, compared to Noor Takaful's 2,831 providers. Network sizes are based on the UAE Open Healthcare Directory data.

Question 4

Does Noor Takaful or Salama Islamic Insurance cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. Noor Takaful's dental sub-limit goes up to AED 3,000/yr, while Salama Islamic Insurance offers up to AED 4,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Noor Takaful to Salama Islamic 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 Noor Takaful to Salama Islamic 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 Noor Takaful and Salama Islamic Insurance have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Noor Takaful and Salama Islamic Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Noor Takaful and Salama Islamic Insurance side-by-side. Key factors to compare: (1) Annual premium — Noor Takaful starts from AED 2,600/yr, Salama Islamic Insurance from AED 2,500/yr, (2) Network size — 5,097 vs 5,843 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	Noor Takaful	Salama Islamic Insurance
Type	private	private
Founded	2009	1979
Headquarters	Dubai	Dubai
Regulators	DHA, HAAD	DHA, HAAD, MOHAP
Number of Plans	2	2
Premium Range	AED 2,600 – 11,000	AED 2,500 – 13,000
Total Network Size	5,097	5,843
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	800-6667	800-72526

City	Noor Takaful	vs	Salama Islamic Insurance
Dubai	2,831	vs	3,163
Abu Dhabi	991	vs	1,213
Sharjah	757	vs	894
Al Ain	206	vs	235
Ajman	136	vs	140
Ras Al Khaimah	95	vs	108
Fujairah	66	vs	66
Umm Al Quwain	15	vs	24

Noor Takaful vs Salama Islamic Insurance

Noor Takaful

Salama Islamic Insurance

Noor Takaful vs Salama Islamic Insurance — At a Glance

Network Comparison by City

Noor Takaful Plans

Noor Basic Takaful Health

Noor Enhanced Takaful Health

Salama Islamic Insurance Plans

Salama Basic Takaful Health

Salama Enhanced Takaful Health

Verdict

Noor Takaful vs Salama Islamic Insurance — FAQ

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