Salama Islamic Insurance

This page summarises 2 indicative Salama Islamic Insurance plan tiers compiled by Zavis (Salama Basic Takaful Health, Salama Enhanced Takaful Health), with indicative annual premiums from AED 2,500 – 5,000/yr to AED 6,000 – 13,000/yr. They are not Salama Islamic Insurance's published plan list or prices, so ask Salama Islamic Insurance or an authorised broker for its current plans and a quote.

5,657 healthcare providers in 8 UAE cities list Salama Islamic Insurance as an accepted insurer in the UAE Open Healthcare Directory. Network counts come from the insurance lists on each listing, so confirm with the provider that your plan tier is accepted before you book.

Dental and maternity coverage depends on the plan tier. Yes, Salama Islamic Insurance's enhanced and premium plans include dental coverage. Maternity is covered with waiting periods ranging from 10 to 12 months.

Salama Islamic Insurance is regulated by DHA and DOH and MOHAP. Its plans sold in Dubai must meet the Essential Benefits Package required for Dubai residents and workers. Oversight in Abu Dhabi means its plans there must meet the emirate's mandatory Thiqa and basic scheme requirements. Federal registration covers its plans in the Northern Emirates.

To file a claim with Salama Islamic Insurance, call their claims line at 800-72526. For direct billing, simply present your Salama Islamic Insurance 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 salama.ae or by post to their Dubai office.

The most affordable Salama Islamic Insurance plan is the Salama Basic Takaful Health (Basic tier), starting from AED 2,500 – 5,000/yr annually. It covers inpatient, outpatient, maternity with a 20% outpatient co-pay and an annual limit of AED 250,000.

Salama Islamic Insurance offers digital claims submission through their member portal at salama.ae. Most major UAE insurers, including Salama Islamic Insurance, 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 Salama Islamic Insurance app from the App Store or Google Play, or log in via their website to access self-service claim tools.