Salama Islamic Insurance vs Takaful Emarat
UAE Health Insurance Comparison 2026
Salama Islamic Insurance
private5,657 providers
2 plans
Est. 1979
DHA, DOH, MOHAP regulated
Takaful Emarat
private2,222 providers
2 plans
Est. 2008
DHA, DOH, MOHAP regulated
Salama Islamic Insurance has 2 plans from AED 2,500 a year and 5,657 in-network providers in 8 cities. Takaful Emarat has 2 plans from AED 2,500 a year and 2,222 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.
Salama Islamic Insurance vs Takaful Emarat — At a Glance
| Attribute | Salama Islamic Insurance | Takaful Emarat |
|---|---|---|
| Type | private | private |
| Founded | 1979 | 2008 |
| Headquarters | Dubai | Dubai |
| Regulators | DHA, DOH, MOHAP | DHA, DOH, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 13,000 | AED 2,500 – 12,000 |
| Total Network Size | 5,657 | 2,222 |
| 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% |
| Phone (from the insurer's website) | 800 725262 (SALAMA) | 600 522550 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | Salama Islamic Insurance | vs | Takaful Emarat |
|---|---|---|---|
| Dubai | 3,036 | vs | 1,138 |
| Abu Dhabi | 1,189 | vs | 506 |
| Sharjah | 878 | vs | 279 |
| Al Ain | 224 | vs | 96 |
| Ajman | 135 | vs | 106 |
| Ras Al Khaimah | 106 | vs | 45 |
| Fujairah | 65 | vs | 33 |
| Umm Al Quwain | 24 | vs | 19 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Salama Islamic Insurance Plans
Salama Islamic Insurance
Salama Basic Takaful Health
Employers seeking Sharia-compliant mandatory health coverage across UAE
AED 2,500 – 5,000/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
5,657 providers
View details →Salama Islamic Insurance
Salama Enhanced Takaful Health
Corporate employees and families across UAE wanting enhanced Takaful
AED 6,000 – 13,000/yr
Annual limit: AED 750,000 · semi-private room · 20% co-pay
5,657 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
2,222 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
2,222 providers
View details →Verdict
Choose Salama Islamic Insurance if you need a larger provider network. Choose Takaful Emarat if you prioritise strong coverage and established reputation. 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.
Salama Islamic Insurance vs Takaful Emarat — FAQ
Which is better, Salama Islamic Insurance or Takaful Emarat?
It depends on your needs. Salama Islamic Insurance has 5,657 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. Takaful Emarat has 2,222 providers across 8 cities with 2 plans from AED 2,500/yr. Choose Salama Islamic Insurance if you need a larger provider network. Choose Takaful Emarat if you prioritise strong coverage and established reputation.
Is Salama Islamic Insurance cheaper than Takaful Emarat?
Both Salama Islamic Insurance and Takaful Emarat have entry-level plans starting from AED 2,500/yr. However, pricing varies by age, nationality, visa type, and employer. Compare enhanced and premium tiers for a full picture, and always obtain personalised quotes.
Which has a bigger network in Dubai, Salama Islamic Insurance or Takaful Emarat?
Salama Islamic Insurance has a larger Dubai network with 3,036 providers, compared to Takaful Emarat's 1,138 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does Salama Islamic Insurance or Takaful Emarat cover dental?
Both insurers offer dental coverage on their enhanced and premium plans. Salama Islamic Insurance's dental sub-limit goes up to AED 4,000/yr, while Takaful Emarat offers up to AED 3,500/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Salama Islamic Insurance to Takaful Emarat?
Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Salama Islamic Insurance 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 Salama Islamic Insurance and Takaful Emarat have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Salama Islamic Insurance and Takaful Emarat plans?
Use the UAE Health Insurance Navigator on this page to compare Salama Islamic Insurance and Takaful Emarat side-by-side. Key factors to compare: (1) Annual premium — Salama Islamic Insurance starts from AED 2,500/yr, Takaful Emarat from AED 2,500/yr, (2) Network size — 5,657 vs 2,222 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 Salama Islamic Insurance and Takaful Emarat or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory.