RAK Insurance vs Takaful Emarat
UAE Health Insurance Comparison 2026
RAK Insurance
private3,552 providers
2 plans
Est. 1974
MOHAP regulated
Takaful Emarat
private8,040 providers
2 plans
Est. 2008
DHA, HAAD, MOHAP regulated
RAK Insurance has 2 plans starting from AED 2,000/yr with 3,552 providers across 8 cities. Takaful Emarat has 2 plans starting from AED 2,500/yr with 8,040 providers across 8 cities. Both insurers have their strongest presence in Dubai.
RAK Insurance vs Takaful Emarat — At a Glance
| Attribute | RAK Insurance | Takaful Emarat |
|---|---|---|
| Type | private | private |
| Founded | 1974 | 2008 |
| Headquarters | Ras Al Khaimah | Dubai |
| Regulators | MOHAP | DHA, HAAD, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,000 – 8,500 | AED 2,500 – 12,000 |
| Total Network Size | 3,552 | 8,040 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | No | Yes |
| Maternity | Yes | Yes |
| Mental Health | No | Yes |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 07-228-8444 | 800-825235 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | RAK Insurance | vs | Takaful Emarat |
|---|---|---|---|
| Dubai | 1,375 | vs | 4,174 |
| Abu Dhabi | 618 | vs | 1,628 |
| Sharjah | 585 | vs | 1,238 |
| Ajman | 238 | vs | 411 |
| Ras Al Khaimah | 365 | vs | 160 |
| Al Ain | 186 | vs | 332 |
| Fujairah | 146 | vs | 74 |
| Umm Al Quwain | 39 | vs | 23 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
RAK Insurance Plans
RAK Insurance
RAK Basic Health
Employees in Northern Emirates meeting MOHAP requirements
AED 2,000 – 3,500/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
3,552 providers
View details →RAK Insurance
RAK Enhanced Health
Corporate employees and families in Northern Emirates
AED 4,000 – 8,500/yr
Annual limit: AED 350,000 · semi-private room · 20% co-pay
3,552 providers
View details →Takaful Emarat Plans
Takaful Emarat
Takaful Emarat Basic Takaful
Employers seeking Sharia-compliant mandatory health coverage
AED 2,500 – 4,800/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
8,040 providers
View details →Takaful Emarat
Takaful Emarat Enhanced Takaful
Corporate employees and families wanting Sharia-compliant enhanced cover
AED 5,500 – 12,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
8,040 providers
View details →Verdict
Choose RAK Insurance if you need lower entry-level premiums. Choose Takaful Emarat if you prioritise a larger provider network, more comprehensive coverage options. Both are established insurers in the UAE market. The best choice depends on your employer's plan options, budget, required coverage, and preferred hospital network in your city.
RAK Insurance vs Takaful Emarat — FAQ
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Disclaimer: Plan details, premiums, and network sizes are indicative, based on publicly available UAE insurance market data. Obtain personalised quotes from RAK Insurance and Takaful Emarat or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.