Takaful Emarat vs Union Insurance
UAE Health Insurance Comparison 2026
Takaful Emarat
private8,040 providers
2 plans
Est. 2008
DHA, HAAD, MOHAP regulated
Union Insurance
private6,349 providers
2 plans
Est. 1998
HAAD, DHA regulated
Takaful Emarat has 2 plans starting from AED 2,500/yr with 8,040 providers across 8 cities. Union Insurance has 2 plans starting from AED 2,300/yr with 6,349 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Takaful Emarat vs Union Insurance — At a Glance
| Attribute | Takaful Emarat | Union Insurance |
|---|---|---|
| Type | private | private |
| Founded | 2008 | 1998 |
| Headquarters | Dubai | Dubai |
| Regulators | DHA, HAAD, MOHAP | HAAD, DHA |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 12,000 | AED 2,300 – 10,500 |
| Total Network Size | 8,040 | 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 | 800-825235 | 02-677-5050 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | Takaful Emarat | vs | Union Insurance |
|---|---|---|---|
| Dubai | 4,174 | vs | 3,229 |
| Abu Dhabi | 1,628 | vs | 1,646 |
| Sharjah | 1,238 | vs | 838 |
| Ajman | 411 | vs | 162 |
| Al Ain | 332 | vs | 237 |
| Ras Al Khaimah | 160 | vs | 133 |
| Fujairah | 74 | vs | 77 |
| Umm Al Quwain | 23 | vs | 27 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
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
8,040 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
8,040 providers
View details →Union Insurance Plans
Union Insurance
Union Basic Health
SMEs in Abu Dhabi and Dubai meeting mandatory requirements
AED 2,300 – 4,200/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
6,349 providers
View details →Union Insurance
Union Enhanced Health
Corporate employees and families in Abu Dhabi and Dubai
AED 5,000 – 10,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
6,349 providers
View details →Verdict
Choose Takaful Emarat if you need a larger provider network, more comprehensive coverage options. Choose Union Insurance if you prioritise lower entry-level premiums. 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.
Takaful Emarat vs Union Insurance — 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 Takaful Emarat and Union Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.