Top Medical Insurance Companies in Dubai and How to Choose the Right One

Medical insurance companies in Dubai vary significantly in the plans they offer, the hospital networks they cover, and the premiums they charge. As health cover is a legal requirement for all Dubai residents, choosing the right provider matters, both financially and practically.

This guide lists the top leading health insurance companies in Dubai, with contact details and a side-by-side comparison, to help you find a plan that suits your needs and budget.

• What to look for in a medical insurance company in Dubai
• Medical insurance companies in Dubai
• Medical insurance companies in Dubai at a glance
• How to choose the right health insurance in Dubai
• Key takeaways
• Frequently Asked Questions

What to look for in a medical insurance company in Dubai

Before reviewing the list of medical insurance companies in Dubai, it helps to understand what to evaluate. All health insurers operating in Dubai must be approved by the Dubai Health Authority (DHA), so the key differences come down to coverage scope, hospital network, and level of service.

Network size: A broader hospital and clinic network means more flexibility in where you receive care. Check whether your preferred facility is included before committing to a plan.

Plan types: Most health insurance companies in Dubai offer individual, family, and corporate plans. Some providers extend coverage internationally, which matters for frequent travellers.

Coverage scope: Basic plans generally cover inpatient and outpatient care, emergency treatment, and maternity. Premium plans add dental, optical, and specialist referrals.

Premium vs. excess: A lower monthly premium often comes with a higher excess: the amount you pay per visit. Balancing both is key to finding the right medical health insurance in Dubai for your budget.

Direct billing: Insurers with direct billing arrangements at hospitals mean you will not need to pay upfront and claim back later. Always confirm this before selecting a provider.

Claims process and support: Accessibility matters, particularly in an emergency. Look for insurers that offer 24/7 customer support and a clear, straightforward claims process.

Medical insurance companies in Dubai

1. Orient Insurance

Orient Insurance is one of the UAE’s most established insurers, with a long track record in individual and corporate medical plans. DHA-approved and backed by a strong hospital network, it is a dependable choice for both residents and businesses across the emirate.

• Phone: 800 674368 (ORIENT) / +971 4 253 1300
• Location: Orient Building, Al Badia Business Park, Dubai Festival City, Dubai

2. Sukoon Insurance

Formerly Oman Insurance Company, Sukoon Insurance brings decades of experience to medical health insurance in Dubai. It offers flexible individual and group plans with extensive provider networks, making it a well-recognised option for both personal and corporate cover.

• Phone: 800 785666 (SUKOON)
• Location: Omar Bin Al Khattab Street, next to Al Ghurair Mall, Deira, Dubai

3. ADNIC

Abu Dhabi National Insurance Company (ADNIC) is one of the largest insurers in the UAE, with a notable presence in Dubai. Its medical health insurance Dubai packages deliver comprehensive inpatient and outpatient cover, with tailored options for individuals and businesses.

• Phone: 800 8040
• Location: Dubai Supreme Court Complex, Umm Hurair 2, Dubai

4. MetLife

MetLife is a globally recognised life and health insurer with a well-established UAE presence. It is popular among expats seeking long-term medical insurance in Dubai that is internationally portable, particularly for those who maintain ties to multiple countries.

• Phone: 800 6385433
• Location: New Century City Tower, 4th Floor, Port Saeed, Deira, Dubai

5. Takaful Emarat

Takaful Emarat offers Sharia-compliant insurance solutions, making it a preferred option for residents seeking health cover aligned with Islamic finance principles. Its plans include a range of inpatient and outpatient services, with a Dubai office conveniently located in Business Bay.

• Phone: +971 4 210 8700
• Location: 1st Floor, Building A, Empire Heights, Business Bay, Dubai

6. LIVA Insurance

LIVA Insurance (formerly Al Wathba National Insurance) is a growing UAE insurer offering competitive individual and corporate health plans. Its Dubai headquarters on Sheikh Zayed Road is accessible for policy enquiries and walk-in support throughout the week.

• Phone: 800 772
• Location: 38th Floor, Burj Al Salam, Sheikh Zayed Road, Dubai

7. Fidelity United Insurance

Fidelity United Insurance is a long-standing name in the UAE market, offering medical insurance Dubai plans tailored to individuals and businesses. Its Oud Metha head office is one of several branches across the country, providing broad accessibility for policyholders.

• Phone: 800 842
• Location: Golden Gate Building, Umm Hureir Road, Oud Metha, Dubai

8. Cigna

Cigna is a global health insurer with a strong Middle East presence, managing individual and group medical plans from its Dubai office. It is particularly well-suited for expats and frequent travellers, offering internationally portable coverage backed by a wide global hospital network.

• Phone: +971 4 362 0600
• Location: The Offices 3, One Central, DWTC, Sheikh Zayed Road, Dubai

9. SALAMA

SALAMA is an Islamic insurance (takaful) company providing Sharia-compliant medical health insurance Dubai plans for individuals and corporate clients. Its head office is centrally located in Oud Metha, making it a convenient option for walk-in enquiries in central Dubai.

• Phone: 800 725262 (SALAMA)
• Location: 4th Floor, Block A, Spectrum Building, Oud Metha, Sheikh Rashid Road, Dubai

10. HAYAH Insurance

HAYAH Insurance specialises in life and health products designed for long-term financial protection. Regulated by the Central Bank of the UAE, it offers personal health plans that combine medical cover with savings-linked benefits, available to residents across the UAE.

• Phone: 800 42924 (HAYAH)
• Location: One Central Offices 5, Trade Center Street, Dubai

11. Daman Health

Daman Health (National Health Insurance Company) is one of the UAE’s largest health insurers by membership, with over three million covered members. As the administrator of the Essential Benefits Plan (EBP) in Abu Dhabi, it is also widely used for employer-sponsored cover across the UAE, including Dubai.

• Phone: 600 532626
• Location: Head office in Abu Dhabi; plans available and administered UAE-wide, including Dubai

12. Dubai Insurance Company

Dubai Insurance Company is one of the emirate’s oldest and most trusted local insurers, offering straightforward medical insurance Dubai solutions for individuals and groups. Its Deira office is centrally located and easily accessible, with DHA-regulated plans covering a range of healthcare needs.

• Phone: +971 4 269 3030
• Location: Al Rigga Street, opposite ADCB, Deira, Dubai

Medical insurance companies in Dubai at a glance

How to choose the right health insurance in Dubai

With so many options across the list of medical insurance companies in Dubai, narrowing down your choice comes down to a few practical questions.

What is your budget? Health insurance Dubai plans vary widely in cost. Basic DHA-compliant plans start from lower annual premiums, while comprehensive family or international plans can run to AED 10,000 or more per year. Always confirm exact pricing directly with the insurer, as rates depend on age, health history, and coverage level.

Do you need individual or corporate cover? If your employer provides a group policy, review the coverage limits and hospital network before seeking supplementary plans. Many Dubai residents add top-up cover to extend what their employer provides.

Is international coverage a priority? For frequent travellers or those with family abroad, providers such as Cigna and MetLife offer internationally portable medical insurance in Dubai with global hospital networks.

Do you prefer Sharia-compliant insurance? Takaful Emarat and SALAMA both offer Islamic takaful health products for residents who prefer this model.

Is your clinic or hospital in the network? Before committing to any plan, use the insurer’s online provider finder to confirm your preferred facility accepts the policy; this is especially important if you see a regular specialist or GP.

Key takeaways

• Health insurance is mandatory for all Dubai residents under UAE law, with all plans regulated and approved by the Dubai Health Authority (DHA).
• The best medical insurance companies in Dubai include long-established local providers such as Orient Insurance and Dubai Insurance Company, as well as international names like Cigna and MetLife.
• When comparing health insurance companies in Dubai, look beyond the monthly premium — network size, direct billing arrangements, claims speed, and customer support all matter.
• Sharia-compliant takaful plans are available through Takaful Emarat and SALAMA; internationally portable options can be found through Cigna and MetLife.

Frequently Asked Questions

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