UAE insurer profile
Salama Islamic Insurance
Est. 1979 · Dubai · DHA, HAAD, MOHAP regulated
One of the oldest and largest Islamic insurance (Takaful) companies globally. Salama Islamic Insurance offers 2 health insurance plans in the UAE, accepted by 5,768 healthcare providers across 8 cities. Data cross-referenced with the UAE Open Healthcare Directory.
At a glance
Key facts.
- One of the oldest and largest Islamic insurance (Takaful) companies globally
- Operates across all UAE emirates with full Takaful product range
- Listed on Dubai Financial Market
- Strong corporate and retail Takaful health book
Coverage matrix
Coverage at a glance.
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| Salama Basic Takaful Health | Basic | AED 2,500 – 5,000/yr | AED 250,000 | 20% | — | — |
| Salama Enhanced Takaful Health | Enhanced | AED 6,000 – 13,000/yr | AED 750,000 | 20% | ✓ | ✓ |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Plan catalogue
Insurance plans.
Salama Islamic Insurance
Salama Basic Takaful Health
Employers seeking Sharia-compliant mandatory health coverage across UAE
AED 2,500 – 5,000/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
5,768 providers
View details →Salama Islamic Insurance
Salama Enhanced Takaful Health
Corporate employees and families across UAE wanting enhanced Takaful
AED 6,000 – 13,000/yr
Annual limit: AED 750,000 · semi-private room · 20% co-pay
5,768 providers
View details →Who accepts this
Provider network.
Providers by City
Top Specialties in Network
The claims flow
How claims work with Salama Islamic Insurance.
Direct billing. Present your Salama Islamic Insurance insurance card at any in-network provider. The clinic or hospital bills Salama Islamic Insurance 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 salama.ae or call 800-72526. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact Salama Islamic Insurance at least 48 hours in advance.
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View plansCompare Salama Islamic Insurance with other insurers
Side-by-side plan comparison across all 38 UAE insurers
Questions
About Salama Islamic Insurance.
Salama Islamic Insurance Insurance — FAQ
What health insurance plans does Salama Islamic Insurance offer in the UAE?
Salama Islamic Insurance offers 2 health insurance plans in the UAE: Salama Basic Takaful Health, Salama Enhanced Takaful Health. Plans range from AED 2,500 – 5,000/yr to AED 6,000 – 13,000/yr annually.
How many healthcare providers accept Salama Islamic Insurance insurance?
According to the UAE Open Healthcare Directory, 5,768 healthcare providers across 8 UAE cities accept Salama Islamic Insurance insurance. This includes hospitals, clinics, dental practices, and specialist centers.
Does Salama Islamic Insurance cover dental and maternity?
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.
Is Salama Islamic Insurance the UAE healthcare regulator or HAAD compliant?
Salama Islamic Insurance is regulated by DHA and HAAD and MOHAP. 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. the UAE healthcare regulator registration applies for the Northern Emirates.
How do I file a claim with Salama Islamic Insurance?
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.
What is the cheapest Salama Islamic Insurance plan?
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.
Does Salama Islamic Insurance have a mobile app for claims?
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.
Disclaimer. Plan details and premiums are indicative. Obtain a personalised quote from Salama Islamic Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.