UAE insurer profile
Union Insurance
Est. 1998 · Dubai · HAAD, DHA regulated
Dubai-headquartered insurer with growing UAE-wide presence. Union Insurance offers 2 health insurance plans in the UAE, accepted by 6,279 healthcare providers across 8 cities. Data cross-referenced with the UAE Open Healthcare Directory.
At a glance
Key facts.
- Dubai-headquartered insurer with growing UAE-wide presence
- Focus on corporate group health insurance
- Competitive pricing for mid-market employers
- Strong Abu Dhabi and Al Ain hospital network
Coverage matrix
Coverage at a glance.
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| Union Basic Health | Basic | AED 2,300 – 4,200/yr | AED 200,000 | 20% | — | — |
| Union Enhanced Health | Enhanced | AED 5,000 – 10,500/yr | AED 500,000 | 20% | ✓ | ✓ |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Plan catalogue
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
6,279 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
6,279 providers
View details →Who accepts this
Provider network.
Providers by City
Top Specialties in Network
The claims flow
How claims work with Union Insurance.
Direct billing. Present your Union Insurance insurance card at any in-network provider. The clinic or hospital bills Union 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 unioninsurance.ae or call 02-677-5050. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact Union Insurance at least 48 hours in advance.
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View plansCompare Union Insurance with other insurers
Side-by-side plan comparison across all 38 UAE insurers
Questions
About Union Insurance.
Union Insurance Insurance — FAQ
What health insurance plans does Union Insurance offer in the UAE?
Union Insurance offers 2 health insurance plans in the UAE: Union Basic Health, Union Enhanced Health. Plans range from AED 2,300 – 4,200/yr to AED 5,000 – 10,500/yr annually.
How many healthcare providers accept Union Insurance insurance?
According to the UAE Open Healthcare Directory, 6,279 healthcare providers across 8 UAE cities accept Union Insurance insurance. This includes hospitals, clinics, dental practices, and specialist centers.
Does Union Insurance cover dental and maternity?
Dental and maternity coverage depends on the plan tier. Yes, Union Insurance's enhanced and premium plans include dental coverage. Maternity is covered with waiting periods ranging from 10 to 12 months.
Is Union Insurance the UAE healthcare regulator or HAAD compliant?
Union Insurance is regulated by HAAD and DHA. 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 Union Insurance?
To file a claim with Union Insurance, call their claims line at 02-677-5050. For direct billing, simply present your Union 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 unioninsurance.ae or by post to their Dubai office.
What is the cheapest Union Insurance plan?
The most affordable Union Insurance plan is the Union Basic Health (Basic tier), starting from AED 2,300 – 4,200/yr annually. It covers inpatient, outpatient, maternity with a 20% outpatient co-pay and an annual limit of AED 200,000.
Does Union Insurance have a mobile app for claims?
Union Insurance offers digital claims submission through their member portal at unioninsurance.ae. Most major UAE insurers, including Union 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 Union 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 Union Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.