RAK Insurance vs Thiqa
UAE Health Insurance Comparison 2026
RAK Insurance
private3,552 providers
2 plans
Est. 1974
MOHAP regulated
Thiqa
premium8,241 providers
1 plan
Est. 2005
HAAD regulated
RAK Insurance has 2 plans starting from AED 2,000/yr with 3,552 providers across 8 cities. Thiqa has 1 plan starting from AED 0/yr with 8,241 providers across 8 cities. Both insurers have their strongest presence in Dubai.
RAK Insurance vs Thiqa — At a Glance
| Attribute | RAK Insurance | Thiqa |
|---|---|---|
| Type | private | premium |
| Founded | 1974 | 2005 |
| Headquarters | Ras Al Khaimah | Abu Dhabi |
| Regulators | MOHAP | HAAD |
| Number of Plans | 2 | 1 |
| Premium Range | AED 2,000 – 8,500 | AED 0 – 0 |
| Total Network Size | 3,552 | 8,241 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | No | Yes |
| Maternity | Yes | Yes |
| Mental Health | No | Yes |
| International | No | Yes |
| Co-pay Range | 20% | 0% |
| Claims Phone | 07-228-8444 | 800-42626 |
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 | Thiqa |
|---|---|---|---|
| Dubai | 1,375 | vs | 3,226 |
| Abu Dhabi | 618 | vs | 2,483 |
| Sharjah | 585 | vs | 928 |
| Al Ain | 186 | vs | 821 |
| Ras Al Khaimah | 365 | vs | 241 |
| Ajman | 238 | vs | 324 |
| Fujairah | 146 | vs | 171 |
| Umm Al Quwain | 39 | vs | 47 |
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 →Thiqa Plans
Thiqa
Thiqa
UAE nationals and their dependants in Abu Dhabi
Government-funded
Annual limit: Unlimited · private room · 0% co-pay
8,241 providers
View details →Verdict
Choose RAK Insurance if you need more plan tiers to choose from. Choose Thiqa 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 Thiqa — 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 Thiqa or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.