RAK Insurance vs Union Insurance
UAE Health Insurance Comparison 2026
RAK Insurance
private1,615 providers
2 plans
Est. 1974
MOHAP regulated
Union Insurance
private1,691 providers
2 plans
Est. 1998
DOH, DHA regulated
RAK Insurance has 2 plans from AED 2,000 a year and 1,615 in-network providers in 8 cities. Union Insurance has 2 plans from AED 2,300 a year and 1,691 in-network providers in 8 cities. Both insurers have the most providers in Dubai. Network counts are providers in the UAE Open Healthcare Directory that list each insurer; premiums are indicative.
RAK Insurance vs Union Insurance — At a Glance
| Attribute | RAK Insurance | Union Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1974 | 1998 |
| Headquarters | Ras Al Khaimah | Dubai |
| Regulators | MOHAP | DOH, DHA |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,000 – 8,500 | AED 2,300 – 10,500 |
| Total Network Size | 1,615 | 1,691 |
| 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% |
| Phone (from the insurer's website) | See rakinsurance.com | +971 4 3787 777 |
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 | Union Insurance |
|---|---|---|---|
| Dubai | 945 | vs | 902 |
| Abu Dhabi | 343 | vs | 388 |
| Sharjah | 205 | vs | 231 |
| Ajman | 61 | vs | 72 |
| Ras Al Khaimah | 33 | vs | 32 |
| Fujairah | 17 | vs | 25 |
| Al Ain | 1 | vs | 36 |
| Umm Al Quwain | 10 | vs | 5 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
RAK Insurance Plans
RAK Insurance
RAK Basic Health
Employees in the Northern Emirates who need the mandatory cover
AED 2,000 – 3,500/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
1,615 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
1,615 providers
View details →Union Insurance Plans
Union Insurance
Union Basic Health
SMEs in Abu Dhabi and Dubai meeting mandatory requirements
AED 2,300 – 4,200/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
1,691 providers
View details →Union Insurance
Union Enhanced Health
Corporate employees and families in Abu Dhabi and Dubai
AED 5,000 – 10,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
1,691 providers
View details →Verdict
Choose RAK Insurance if you need lower entry-level premiums. Choose Union Insurance 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 Union Insurance — FAQ
Which is better, RAK Insurance or Union Insurance?
It depends on your needs. RAK Insurance has 1,615 providers across 8 cities and offers 2 plans starting from AED 2,000/yr. Union Insurance has 1,691 providers across 8 cities with 2 plans from AED 2,300/yr. Choose RAK Insurance if you need lower entry-level premiums. Choose Union Insurance if you prioritise a larger provider network, more comprehensive coverage options.
Is RAK Insurance cheaper than Union Insurance?
Yes, RAK Insurance's entry-level plan starts from AED 2,000/yr, compared to Union Insurance's cheapest plan at AED 2,300/yr. However, plan pricing varies by age, nationality, visa type, and employer. Enhanced and premium tiers may differ. Always obtain a personalised quote from each insurer.
Which has a bigger network in Dubai, RAK Insurance or Union Insurance?
RAK Insurance has a larger Dubai network with 945 providers, compared to Union Insurance's 902 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does RAK Insurance or Union Insurance cover dental?
Both insurers offer dental coverage on their enhanced and premium plans. RAK Insurance's dental sub-limit goes up to AED 2,000/yr, while Union Insurance offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from RAK Insurance to Union Insurance?
Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from RAK Insurance to Union 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 RAK Insurance and Union Insurance have dedicated claims and onboarding teams to facilitate the transition.
How do I compare RAK Insurance and Union Insurance plans?
Use the UAE Health Insurance Navigator on this page to compare RAK Insurance and Union Insurance side-by-side. Key factors to compare: (1) Annual premium — RAK Insurance starts from AED 2,000/yr, Union Insurance from AED 2,300/yr, (2) Network size — 1,615 vs 1,691 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.
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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 Union Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory.