UAE insurer profile
Noor Takaful
Est. 2009 · Dubai · DHA, HAAD regulated
Dubai-based Takaful insurer focused on family and group health. Noor Takaful offers 2 health insurance plans in the UAE, accepted by 5,022 healthcare providers across 8 cities. Data cross-referenced with the UAE Open Healthcare Directory.
At a glance
Key facts.
- Dubai-based Takaful insurer focused on family and group health
- Part of Noor Bank (now Emirates Islamic) ecosystem
- Strong appeal with Islamic finance-conscious customers
- Competitive Takaful health plans for SMEs and corporates
Coverage matrix
Coverage at a glance.
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| Noor Basic Takaful Health | Basic | AED 2,600 – 4,600/yr | AED 250,000 | 20% | — | — |
| Noor Enhanced Takaful Health | Enhanced | AED 5,500 – 11,000/yr | AED 500,000 | 20% | ✓ | ✓ |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Plan catalogue
Insurance plans.
Noor Takaful
Noor Basic Takaful Health
SMEs in Dubai and Abu Dhabi seeking Sharia-compliant health coverage
AED 2,600 – 4,600/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
5,022 providers
View details →Noor Takaful
Noor Enhanced Takaful Health
Corporate employees and families wanting Takaful enhanced cover
AED 5,500 – 11,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
5,022 providers
View details →Who accepts this
Provider network.
Providers by City
Top Specialties in Network
The claims flow
How claims work with Noor Takaful.
Direct billing. Present your Noor Takaful insurance card at any in-network provider. The clinic or hospital bills Noor Takaful 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 noortakaful.com or call 800-6667. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact Noor Takaful at least 48 hours in advance.
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Questions
About Noor Takaful.
Noor Takaful Insurance — FAQ
What health insurance plans does Noor Takaful offer in the UAE?
Noor Takaful offers 2 health insurance plans in the UAE: Noor Basic Takaful Health, Noor Enhanced Takaful Health. Plans range from AED 2,600 – 4,600/yr to AED 5,500 – 11,000/yr annually.
How many healthcare providers accept Noor Takaful insurance?
According to the UAE Open Healthcare Directory, 5,022 healthcare providers across 8 UAE cities accept Noor Takaful insurance. This includes hospitals, clinics, dental practices, and specialist centers.
Does Noor Takaful cover dental and maternity?
Dental and maternity coverage depends on the plan tier. Yes, Noor Takaful's enhanced and premium plans include dental coverage. Maternity is covered with waiting periods ranging from 10 to 12 months.
Is Noor Takaful the UAE healthcare regulator or HAAD compliant?
Noor Takaful is regulated by DHA and HAAD. The UAE healthcare regulator (Dubai) compliance means all plans meet the Essential Benefits Package required for Dubai residents and workers. Additionally, Health Authority Abu Dhabi (HAAD/DoH) oversight ensures plans meet Abu Dhabi's mandatory Thiqa and basic scheme requirements.
How do I file a claim with Noor Takaful?
To file a claim with Noor Takaful, call their claims line at 800-6667. For direct billing, simply present your Noor Takaful 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 noortakaful.com or by post to their Dubai office.
What is the cheapest Noor Takaful plan?
The most affordable Noor Takaful plan is the Noor Basic Takaful Health (Basic tier), starting from AED 2,600 – 4,600/yr annually. It covers inpatient, outpatient, maternity with a 20% outpatient co-pay and an annual limit of AED 250,000.
Does Noor Takaful have a mobile app for claims?
Noor Takaful offers digital claims submission through their member portal at noortakaful.com. Most major UAE insurers, including Noor Takaful, 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 Noor Takaful 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 Noor Takaful or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.