UAE insurer profile
Emirates Insurance Company
Est. 1982 · Abu Dhabi · DHA, MOHAP regulated
One of the oldest Dubai-based insurance companies. Emirates Insurance Company offers 2 health insurance plans in the UAE, accepted by 5,595 healthcare providers across 8 cities. Data cross-referenced with the UAE Open Healthcare Directory.
At a glance
Key facts.
- One of the oldest Dubai-based insurance companies
- Strong presence in Dubai and Northern Emirates
- Focus on affordable group and individual health plans
- Part of Emirates NBD Group ecosystem
Coverage matrix
Coverage at a glance.
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| Emirates Essential Health | Basic | AED 2,200 – 4,000/yr | AED 150,000 | 20% | — | — |
| Emirates Corporate Health | Enhanced | AED 5,000 – 11,000/yr | AED 500,000 | 20% | ✓ | ✓ |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Plan catalogue
Insurance plans.
Emirates Insurance Company
Emirates Essential Health
Individuals and SMEs in Dubai and Northern Emirates
AED 2,200 – 4,000/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
5,595 providers
View details →Emirates Insurance Company
Emirates Corporate Health
Corporate employees in Dubai and Northern Emirates
AED 5,000 – 11,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
5,595 providers
View details →Who accepts this
Provider network.
Providers by City
Top Specialties in Network
The claims flow
How claims work with Emirates Insurance Company.
Direct billing. Present your Emirates Insurance Company insurance card at any in-network provider. The clinic or hospital bills Emirates Insurance Company directly — you pay only your applicable co-pay (20%–20% outpatient) at the point of care. No paperwork required.
Reimbursement claims. For out-of-network or emergency treatment, collect itemised invoices and medical reports, then submit via eminsco.com or call 800-364728. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact Emirates Insurance Company at least 48 hours in advance.
Keep comparing
Other insurers to consider.
Fidelity United Insurance
private2 plans · 5,501 providers · 8 cities
View plansSalama Islamic Insurance
private2 plans · 5,768 providers · 8 cities
View plansIRIS Health
tpa2 plans · 5,881 providers · 8 cities
View plansAetna International
private2 plans · 5,920 providers · 8 cities
View plansDubai National Insurance
private2 plans · 6,086 providers · 8 cities
View plansCompare Emirates Insurance Company with other insurers
Side-by-side plan comparison across all 38 UAE insurers
Questions
About Emirates Insurance Company.
Emirates Insurance Company Insurance — FAQ
What health insurance plans does Emirates Insurance Company offer in the UAE?
Emirates Insurance Company offers 2 health insurance plans in the UAE: Emirates Essential Health, Emirates Corporate Health. Plans range from AED 2,200 – 4,000/yr to AED 5,000 – 11,000/yr annually.
How many healthcare providers accept Emirates Insurance Company insurance?
According to the UAE Open Healthcare Directory, 5,595 healthcare providers across 8 UAE cities accept Emirates Insurance Company insurance. This includes hospitals, clinics, dental practices, and specialist centers.
Does Emirates Insurance Company cover dental and maternity?
Dental and maternity coverage depends on the plan tier. Yes, Emirates Insurance Company's enhanced and premium plans include dental coverage. Maternity is covered with waiting periods ranging from 10 to 12 months.
Is Emirates Insurance Company the UAE healthcare regulator or HAAD compliant?
Emirates Insurance Company is regulated by DHA and MOHAP. The UAE healthcare regulator (Dubai) compliance means all plans meet the Essential Benefits Package required for Dubai residents and workers. the UAE healthcare regulator registration applies for the Northern Emirates.
How do I file a claim with Emirates Insurance Company?
To file a claim with Emirates Insurance Company, call their claims line at 800-364728. For direct billing, simply present your Emirates Insurance Company insurance card at any in-network provider — the clinic or hospital settles directly with the insurer. For reimbursement claims (out-of-network or emergency), submit itemised invoices, a completed claim form, and your doctor's report within 90 days of treatment via eminsco.com or by post to their Abu Dhabi office.
What is the cheapest Emirates Insurance Company plan?
The most affordable Emirates Insurance Company plan is the Emirates Essential Health (Basic tier), starting from AED 2,200 – 4,000/yr annually. It covers inpatient, outpatient, maternity with a 20% outpatient co-pay and an annual limit of AED 150,000.
Does Emirates Insurance Company have a mobile app for claims?
Emirates Insurance Company offers digital claims submission through their member portal at eminsco.com. Most major UAE insurers, including Emirates Insurance Company, provide a mobile app or online portal where members can submit reimbursement claims, view policy documents, check coverage limits, find in-network providers, and download tax invoices. Download the Emirates Insurance Company app from the App Store or Google Play, or log in via their website to access self-service claim tools.
Disclaimer. Plan details and premiums are indicative. Obtain a personalised quote from Emirates Insurance Company or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.