Question 1

Which is better, Noor Takaful or Takaful Emarat?

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. Takaful Emarat has 8,040 providers across 8 cities with 2 plans from AED 2,500/yr. Choose Noor Takaful if you need strong coverage and established reputation. Choose Takaful Emarat if you prioritise a larger provider network, lower entry-level premiums.

Question 2

Is Noor Takaful cheaper than Takaful Emarat?

Accepted Answer

No, Takaful Emarat'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 Takaful Emarat?

Accepted Answer

Takaful Emarat has a larger Dubai network with 4,174 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 Takaful Emarat 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 Takaful Emarat offers up to AED 3,500/yr. Basic plans from both insurers typically exclude dental.

Question 5

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

Question 6

How do I compare Noor Takaful and Takaful Emarat plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Noor Takaful and Takaful Emarat side-by-side. Key factors to compare: (1) Annual premium — Noor Takaful starts from AED 2,600/yr, Takaful Emarat from AED 2,500/yr, (2) Network size — 5,097 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	Noor Takaful	Takaful Emarat
Type	private	private
Founded	2009	2008
Headquarters	Dubai	Dubai
Regulators	DHA, HAAD	DHA, HAAD, MOHAP
Number of Plans	2	2
Premium Range	AED 2,600 – 11,000	AED 2,500 – 12,000
Total Network Size	5,097	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	800-6667	800-825235

City	Noor Takaful	vs	Takaful Emarat
Dubai	2,831	vs	4,174
Abu Dhabi	991	vs	1,628
Sharjah	757	vs	1,238
Ajman	136	vs	411
Al Ain	206	vs	332
Ras Al Khaimah	95	vs	160
Fujairah	66	vs	74
Umm Al Quwain	15	vs	23

Noor Takaful vs Takaful Emarat

Noor Takaful

Takaful Emarat

Noor Takaful vs Takaful Emarat — At a Glance

Network Comparison by City

Noor Takaful Plans

Noor Basic Takaful Health

Noor Enhanced Takaful Health

Takaful Emarat Plans

Takaful Emarat Basic Takaful

Takaful Emarat Enhanced Takaful

Verdict

Noor Takaful vs Takaful Emarat — FAQ

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