Question 1

Which is better, Takaful Emarat or Thiqa?

Accepted Answer

It depends on your needs. Takaful Emarat has 8,040 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. Thiqa has 8,241 providers across 8 cities with 1 plans from AED 0/yr. Choose Takaful Emarat if you need more plan tiers to choose from, more comprehensive coverage options. Choose Thiqa if you prioritise a larger provider network.

Question 2

Is Takaful Emarat cheaper than Thiqa?

Accepted Answer

No, Thiqa's entry-level plan starts from AED 0/yr, while Takaful Emarat'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, Takaful Emarat or Thiqa?

Accepted Answer

Takaful Emarat has a larger Dubai network with 4,174 providers, compared to Thiqa's 3,226 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does Takaful Emarat or Thiqa cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. Takaful Emarat's dental sub-limit goes up to AED 3,500/yr, while Thiqa offers up to AED 0/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Takaful Emarat to Thiqa?

Accepted Answer

Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Takaful Emarat to Thiqa (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 Takaful Emarat and Thiqa have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Takaful Emarat and Thiqa plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Takaful Emarat and Thiqa side-by-side. Key factors to compare: (1) Annual premium — Takaful Emarat starts from AED 2,500/yr, Thiqa from AED 0/yr, (2) Network size — 8,040 vs 8,241 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	Takaful Emarat	Thiqa
Type	private	premium
Founded	2008	2005
Headquarters	Dubai	Abu Dhabi
Regulators	DHA, HAAD, MOHAP	HAAD
Number of Plans	2	1
Premium Range	AED 2,500 – 12,000	AED 0 – 0
Total Network Size	8,040	8,241
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%
Claims Phone	800-825235	800-42626

City	Takaful Emarat	vs	Thiqa
Dubai	4,174	vs	3,226
Abu Dhabi	1,628	vs	2,483
Sharjah	1,238	vs	928
Al Ain	332	vs	821
Ajman	411	vs	324
Ras Al Khaimah	160	vs	241
Fujairah	74	vs	171
Umm Al Quwain	23	vs	47

Takaful Emarat vs Thiqa

Takaful Emarat

Thiqa

Takaful Emarat vs Thiqa — At a Glance

Network Comparison by City

Takaful Emarat Plans

Takaful Emarat Basic Takaful

Takaful Emarat Enhanced Takaful

Thiqa Plans

Thiqa

Verdict

Takaful Emarat vs Thiqa — FAQ

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