Question 1

Which is better, Salama Islamic Insurance or Takaful Emarat?

Accepted Answer

It depends on your needs. Salama Islamic Insurance has 5,843 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. Takaful Emarat has 8,040 providers across 8 cities with 2 plans from AED 2,500/yr. Choose Salama Islamic Insurance if you need strong coverage and established reputation. Choose Takaful Emarat if you prioritise a larger provider network.

Question 2

Is Salama Islamic Insurance cheaper than Takaful Emarat?

Accepted Answer

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.

Question 3

Which has a bigger network in Dubai, Salama Islamic Insurance or Takaful Emarat?

Accepted Answer

Takaful Emarat has a larger Dubai network with 4,174 providers, compared to Salama Islamic Insurance's 3,163 providers. Network sizes are based on the UAE Open Healthcare Directory data.

Question 4

Does Salama Islamic Insurance or Takaful Emarat cover dental?

Accepted Answer

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.

Question 5

Can I switch from Salama Islamic Insurance to Takaful Emarat?

Accepted Answer

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.

Question 6

How do I compare Salama Islamic Insurance and Takaful Emarat plans?

Accepted Answer

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 — 5,843 vs 8,040 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	Salama Islamic Insurance	Takaful Emarat
Type	private	private
Founded	1979	2008
Headquarters	Dubai	Dubai
Regulators	DHA, HAAD, MOHAP	DHA, HAAD, MOHAP
Number of Plans	2	2
Premium Range	AED 2,500 – 13,000	AED 2,500 – 12,000
Total Network Size	5,843	8,040
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%
Claims Phone	800-72526	800-825235

City	Salama Islamic Insurance	vs	Takaful Emarat
Dubai	3,163	vs	4,174
Abu Dhabi	1,213	vs	1,628
Sharjah	894	vs	1,238
Al Ain	235	vs	332
Ajman	140	vs	411
Ras Al Khaimah	108	vs	160
Fujairah	66	vs	74
Umm Al Quwain	24	vs	23

Salama Islamic Insurance vs Takaful Emarat

Salama Islamic Insurance

Takaful Emarat

Salama Islamic Insurance vs Takaful Emarat — At a Glance

Network Comparison by City

Salama Islamic Insurance Plans

Salama Basic Takaful Health

Salama Enhanced Takaful Health

Takaful Emarat Plans

Takaful Emarat Basic Takaful

Takaful Emarat Enhanced Takaful

Verdict

Salama Islamic Insurance vs Takaful Emarat — FAQ

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