Salama Islamic Insurance vs William Russell
UAE Health Insurance Comparison 2026
Salama Islamic Insurance
private5,843 providers
2 plans
Est. 1979
DHA, HAAD, MOHAP regulated
William Russell
private3,329 providers
2 plans
Est. 1992
DHA, HAAD regulated
Salama Islamic Insurance has 2 plans starting from AED 2,500/yr with 5,843 providers across 8 cities. William Russell has 2 plans starting from AED 8,000/yr with 3,329 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Salama Islamic Insurance vs William Russell — At a Glance
| Attribute | Salama Islamic Insurance | William Russell |
|---|---|---|
| Type | private | private |
| Founded | 1979 | 1992 |
| Headquarters | Dubai | Dubai |
| Regulators | DHA, HAAD, MOHAP | DHA, HAAD |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 13,000 | AED 8,000 – 34,000 |
| Total Network Size | 5,843 | 3,329 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | No | Yes |
| Co-pay Range | 20% | 0% – 10% |
| Claims Phone | 800-72526 | 04-297-6700 |
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 | William Russell |
|---|---|---|---|
| Dubai | 3,163 | vs | 2,189 |
| Abu Dhabi | 1,213 | vs | 627 |
| Sharjah | 894 | vs | 213 |
| Al Ain | 235 | vs | 124 |
| Ajman | 140 | vs | 69 |
| Ras Al Khaimah | 108 | vs | 65 |
| Fujairah | 66 | vs | 34 |
| Umm Al Quwain | 24 | vs | 8 |
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
5,843 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
5,843 providers
View details →William Russell Plans
William Russell
William Russell Gold Health
British and Commonwealth expat professionals and families
AED 8,000 – 15,000/yr
Annual limit: AED 1.0M · semi-private room · 10% co-pay
3,329 providers
View details →William Russell
William Russell Platinum Health
Senior expat executives and HNW families
AED 18,000 – 34,000/yr
Annual limit: AED 2.0M · private room · 0% co-pay
3,329 providers
View details →Verdict
Choose Salama Islamic Insurance if you need a larger provider network, lower entry-level premiums. Choose William Russell if you prioritise 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.
Salama Islamic Insurance vs William Russell — 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 Salama Islamic Insurance and William Russell or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.