Question 1

Which is better, Salama Islamic Insurance or Union Insurance?

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. Union Insurance has 6,349 providers across 8 cities with 2 plans from AED 2,300/yr. Choose Salama Islamic Insurance if you need more comprehensive coverage options. Choose Union Insurance if you prioritise a larger provider network, lower entry-level premiums.

Question 2

Is Salama Islamic Insurance cheaper than Union Insurance?

Accepted Answer

No, Union Insurance's entry-level plan starts from AED 2,300/yr, while Salama Islamic Insurance's cheapest plan begins at AED 2,500/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.

Question 3

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

Accepted Answer

Union Insurance has a larger Dubai network with 3,229 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 Union Insurance 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 Union Insurance offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Salama Islamic Insurance to Union Insurance?

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 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 Salama Islamic Insurance and Union Insurance have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Salama Islamic Insurance and Union Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Salama Islamic Insurance and Union Insurance side-by-side. Key factors to compare: (1) Annual premium — Salama Islamic Insurance starts from AED 2,500/yr, Union Insurance from AED 2,300/yr, (2) Network size — 5,843 vs 6,349 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	Union Insurance
Type	private	private
Founded	1979	1998
Headquarters	Dubai	Dubai
Regulators	DHA, HAAD, MOHAP	HAAD, DHA
Number of Plans	2	2
Premium Range	AED 2,500 – 13,000	AED 2,300 – 10,500
Total Network Size	5,843	6,349
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	02-677-5050

City	Salama Islamic Insurance	vs	Union Insurance
Dubai	3,163	vs	3,229
Abu Dhabi	1,213	vs	1,646
Sharjah	894	vs	838
Al Ain	235	vs	237
Ajman	140	vs	162
Ras Al Khaimah	108	vs	133
Fujairah	66	vs	77
Umm Al Quwain	24	vs	27

Salama Islamic Insurance vs Union Insurance

Salama Islamic Insurance

Union Insurance

Salama Islamic Insurance vs Union Insurance — At a Glance

Network Comparison by City

Salama Islamic Insurance Plans

Salama Basic Takaful Health

Salama Enhanced Takaful Health

Union Insurance Plans

Union Basic Health

Union Enhanced Health

Verdict

Salama Islamic Insurance vs Union Insurance — FAQ

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