Takaful Emarat vs William Russell
UAE Health Insurance Comparison 2026
Takaful Emarat
private2,222 providers
2 plans
Est. 2008
DHA, DOH, MOHAP regulated
William Russell
private3,215 providers
2 plans
Est. 1992
DHA, DOH regulated
Takaful Emarat has 2 plans from AED 2,500 a year and 2,222 in-network providers in 8 cities. William Russell has 2 plans from AED 8,000 a year and 3,215 in-network providers in 8 cities. Both insurers have the most providers in Dubai. Network counts are providers in the UAE Open Healthcare Directory that list each insurer; premiums are indicative.
Takaful Emarat vs William Russell — At a Glance
| Attribute | Takaful Emarat | William Russell |
|---|---|---|
| Type | private | private |
| Founded | 2008 | 1992 |
| Headquarters | Dubai | Dubai |
| Regulators | DHA, DOH, MOHAP | DHA, DOH |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 12,000 | AED 8,000 – 34,000 |
| Total Network Size | 2,222 | 3,215 |
| 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% |
| Phone (from the insurer's website) | 600 522550 | +44 1276 486 460 |
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 | William Russell |
|---|---|---|---|
| Dubai | 1,138 | vs | 2,102 |
| Abu Dhabi | 506 | vs | 610 |
| Sharjah | 279 | vs | 208 |
| Al Ain | 96 | vs | 122 |
| Ajman | 106 | vs | 67 |
| Ras Al Khaimah | 45 | vs | 64 |
| Fujairah | 33 | vs | 34 |
| Umm Al Quwain | 19 | vs | 8 |
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
2,222 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
2,222 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
3,215 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
3,215 providers
View details →Verdict
Choose Takaful Emarat if you need lower entry-level premiums. Choose William Russell if you prioritise a larger provider network, 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.
Takaful Emarat vs William Russell — FAQ
Which is better, Takaful Emarat or William Russell?
It depends on your needs. Takaful Emarat has 2,222 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. William Russell has 3,215 providers across 8 cities with 2 plans from AED 8,000/yr. Choose Takaful Emarat if you need lower entry-level premiums. Choose William Russell if you prioritise a larger provider network, more comprehensive coverage options.
Is Takaful Emarat cheaper than William Russell?
Yes, Takaful Emarat's entry-level plan starts from AED 2,500/yr, compared to William Russell's cheapest plan at AED 8,000/yr. However, plan pricing varies by age, nationality, visa type, and employer. Enhanced and premium tiers may differ. Always obtain a personalised quote from each insurer.
Which has a bigger network in Dubai, Takaful Emarat or William Russell?
William Russell has a larger Dubai network with 2,102 providers, compared to Takaful Emarat's 1,138 providers. Network sizes are based on the UAE Open Healthcare Directory data.
Does Takaful Emarat or William Russell cover dental?
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 William Russell offers up to AED 10,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Takaful Emarat to William Russell?
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 William Russell (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 William Russell have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Takaful Emarat and William Russell plans?
Use the UAE Health Insurance Navigator on this page to compare Takaful Emarat and William Russell side-by-side. Key factors to compare: (1) Annual premium — Takaful Emarat starts from AED 2,500/yr, William Russell from AED 8,000/yr, (2) Network size — 2,222 vs 3,215 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.
Related Comparisons
Disclaimer: Plan details, premiums, and network sizes are indicative, based on publicly available UAE insurance market data. Obtain personalised quotes from Takaful Emarat and William Russell or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory.