Question 1

Which is better, Noor Takaful or Thiqa?

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. Thiqa has 8,241 providers across 8 cities with 1 plans from AED 0/yr. Choose Noor Takaful if you need more plan tiers to choose from, more comprehensive coverage options. Choose Thiqa if you prioritise a larger provider network.

Question 2

Is Noor Takaful cheaper than Thiqa?

Accepted Answer

No, Thiqa's entry-level plan starts from AED 0/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 Thiqa?

Accepted Answer

Thiqa has a larger Dubai network with 3,226 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 Thiqa 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 Thiqa offers up to AED 0/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Noor Takaful to Thiqa?

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 Thiqa (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 Thiqa have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Noor Takaful and Thiqa plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Noor Takaful and Thiqa side-by-side. Key factors to compare: (1) Annual premium — Noor Takaful starts from AED 2,600/yr, Thiqa from AED 0/yr, (2) Network size — 5,097 vs 8,241 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	Thiqa
Type	private	premium
Founded	2009	2005
Headquarters	Dubai	Abu Dhabi
Regulators	DHA, HAAD	HAAD
Number of Plans	2	1
Premium Range	AED 2,600 – 11,000	AED 0 – 0
Total Network Size	5,097	8,241
Cities Covered	8	8
Dental	Yes	Yes
Optical	Yes	Yes
Maternity	Yes	Yes
Mental Health	Yes	Yes
International	No	Yes
Co-pay Range	20%	0%
Claims Phone	800-6667	800-42626

City	Noor Takaful	vs	Thiqa
Dubai	2,831	vs	3,226
Abu Dhabi	991	vs	2,483
Sharjah	757	vs	928
Al Ain	206	vs	821
Ajman	136	vs	324
Ras Al Khaimah	95	vs	241
Fujairah	66	vs	171
Umm Al Quwain	15	vs	47

Noor Takaful vs Thiqa

Noor Takaful

Thiqa

Noor Takaful vs Thiqa — At a Glance

Network Comparison by City

Noor Takaful Plans

Noor Basic Takaful Health

Noor Enhanced Takaful Health

Thiqa Plans

Thiqa

Verdict

Noor Takaful vs Thiqa — FAQ

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