Thiqa vs Union Insurance
UAE Health Insurance Comparison 2026
Thiqa
premium8,241 providers
1 plan
Est. 2005
HAAD regulated
Union Insurance
private6,349 providers
2 plans
Est. 1998
HAAD, DHA regulated
Thiqa has 1 plan starting from AED 0/yr with 8,241 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.
Thiqa vs Union Insurance — At a Glance
| Attribute | Thiqa | Union Insurance |
|---|---|---|
| Type | premium | private |
| Founded | 2005 | 1998 |
| Headquarters | Abu Dhabi | Dubai |
| Regulators | HAAD | HAAD, DHA |
| Number of Plans | 1 | 2 |
| Premium Range | AED 0 – 0 | AED 2,300 – 10,500 |
| Total Network Size | 8,241 | 6,349 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | Yes | No |
| Co-pay Range | 0% | 20% |
| Claims Phone | 800-42626 | 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 | Thiqa | vs | Union Insurance |
|---|---|---|---|
| Dubai | 3,226 | vs | 3,229 |
| Abu Dhabi | 2,483 | vs | 1,646 |
| Sharjah | 928 | vs | 838 |
| Al Ain | 821 | vs | 237 |
| Ajman | 324 | vs | 162 |
| Ras Al Khaimah | 241 | vs | 133 |
| Fujairah | 171 | vs | 77 |
| Umm Al Quwain | 47 | vs | 27 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Thiqa Plans
Thiqa
Thiqa
UAE nationals and their dependants in Abu Dhabi
Government-funded
Annual limit: Unlimited · private room · 0% co-pay
8,241 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 Thiqa if you need a larger provider network. Choose Union Insurance if you prioritise more plan tiers to choose from, 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.
Thiqa 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 Thiqa and Union Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.