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Best Health Insurance in United Arab Emirates

10 insurers ranked and reviewed · Updated May 2026

Sources:CBUAE (Central Bank of the UAE)AM BestMoody'sS&P Global RatingsBayzatPacific Prime UAE

Healthcare System Overview

The UAE has a mandatory health insurance system for all residents, enforced through visa processing. Employers must provide health insurance to all employees and their dependents. The system is regulated at both federal and emirate levels, with different minimum coverage standards in Dubai (Essential Benefits Plan via DHA), Abu Dhabi (via Department of Health), and the Northern Emirates (via MOHAP). The market includes national insurers, regional players, and global companies.

Bupa Global (via Sukoon Insurance)

بوبا العالمية

private43.0M members

92Score

Pacific Prime: Preferred Partner(2026)

★★★★☆4.5satisfactionFinancial strength: One of world's largest healthcare groups

Dha Category

4 DHA-compliant international health plans

Network Tier

2.1 million+ healthcare providers globally

Global Customers

43 million+ globally

Access to 2.1 million+ healthcare providers globally
4 DHA-compliant international health plans for Dubai expats
Evacuation and repatriation coverage
Coverage extends to treatment abroad

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Daman (National Health Insurance Company)

شركة الضمان الصحي الوطنية (ضمان)

public3.0M members

90Score

CBUAE: Market Leader — Abu Dhabi(2026)

★★★☆☆3.8satisfaction

Dha Category

Thiqa + Essential Benefits Plan administrator

Network Tier

3,000+ medical facilities

Thiqa

Exclusive Thiqa programme manager for UAE nationals

Largest health insurance provider in Abu Dhabi and 3rd largest in Dubai
Exclusively manages government Thiqa programme for UAE nationals
Manages Abu Dhabi Basic Plan for low-income expatriates
3,000+ network medical facilities

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Cigna Healthcare Middle East

سيغنا للرعاية الصحية

private500K members

88Score

Fortune 15: The Cigna Group(2026)

★★★★☆4.2satisfactionFinancial strength: The Cigna Group (NYSE: CI) — Fortune 15

Dha Category

DHA-compliant individual and corporate plans

Network Tier

3,000+ UAE providers; 5,000+ Middle East

Global Presence

180 million+ customers globally

3,000+ healthcare providers in UAE; 5,000+ in Middle East
Acquired Zurich Health Insurance Middle East operations (2018)
GlobalCare and HealthGuard product lines
Flexible plans for individuals, families, and corporates

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ADNIC (Abu Dhabi National Insurance Company)

شركة أبوظبي الوطنية للتأمين

public500K members

85Score

CBUAE: 2nd Largest UAE Insurer by Premium(2026)

★★★☆☆3.7satisfaction

Dha Category

Multiple tiers: Platinum, Gold, Silver, Bronze

Network Tier

3,000+ medical providers

Heritage

First insurer licensed in Abu Dhabi (1972)

First insurer licensed in Abu Dhabi (1972)
2nd largest insurer in UAE by premium
3,000+ medical providers in network
Multiple coverage tiers: Platinum (worldwide), Gold (worldwide excl. USA/Canada), Silver, Bronze

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Orient Insurance Company

شركة أورينت للتأمين

private500K members

85Score

AM Best: A+ (Superior)(2025)S&P: A+ (Strong)(2025)

★★★★☆4.0satisfactionFinancial strength: AM Best A+ / S&P A+

Dha Category

DHA-compliant plans + Allianz Care international

Network Tier

Wide network; Al-Futtaim Group backed

Financial Strength

AM Best A+ / S&P A+ (highest in UAE)

Highest combined credit rating in UAE insurance (AM Best A+ / S&P A+)
AED 500 million paid-up capital
Most profitable insurance company in UAE (AED 836M profit, 2025)
Partner for Allianz Care international plans in UAE

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GIG Gulf (formerly AXA Gulf)

مجموعة الخليج للتأمين

private1.0M members

78Score

GCC Regional Leader (AXA + GIG Heritage)(2026)

★★★☆☆3.8satisfaction

Dha Category

DHA-compliant customizable plans

Network Tier

3,000+ UAE providers; 800,000+ globally

Heritage

AXA (200+ years) + Gulf Insurance Group (1962)

Combines AXA's global insurance expertise with GIG's regional strength
3,000+ healthcare providers in UAE; 800,000+ globally
5 customizable health plans for Dubai and UAE expats
15 branches and retail shops across the region

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Dubai Insurance Company

شركة دبي للتأمين

private200K members

75Score

CBUAE: Top 5 Profitable UAE Insurer(2025)

★★★☆☆3.5satisfaction

Dha Category

DHA-compliant individual, family, and corporate plans

Network Tier

Standard network

Heritage

First local insurance company in Dubai (1970)

First local insurance company formed in Dubai (1970)
Partnership with William Russell for international plans
DHA-compliant plans for individuals, families, and corporates
Among top 5 most profitable UAE insurers

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Sukoon Insurance (formerly Oman Insurance)

سكون للتأمين

private1.4M members

75Score

Moody's: A2 (Stable)(2025)

★★★★☆4.0satisfactionFinancial strength: Moody's A2 (Stable)

Dha Category

DHA-compliant plans + Bupa Global international

Network Tier

3,500+ network facilities

Bupa Partnership

Exclusive Bupa Global partner in UAE (since 2003)

Exclusive UAE partner for Bupa Global international health plans
43+ years of experience in UAE insurance market
Partnership with Bupa since 2003
Comprehensive product range (health, life, motor, general)

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Medgulf (Mediterranean & Gulf Insurance)

ميدغلف للتأمين

private2.2M members

73Score

CBUAE: 2.2M+ Insured Members(2026)

★★★☆☆3.5satisfaction

Dha Category

DHA and DOH compliant plans

Network Tier

Standard network — retail, SME, and corporate

Insured Members

2.2 million+

2.2 million+ insured members
Cost-effective and flexible health insurance solutions
Retail, SME, and corporate insurance products
DHA and DOH compliant plans

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#10

HAYAH Insurance

حياة للتأمين

public150K members

70Score

Bayzat: Top Group Health Provider (2026)(2026)

★★★☆☆3.5satisfaction

Dha Category

5 DHA-regulated plan tiers (Health Protect)

Network Tier

MedNet + Nextcare provider networks

Max Coverage

Up to AED 2 million (worldwide)

Digital-first insurance approach
Health Protect product: 5 plan tiers, DHA-regulated
Regional plans up to AED 1 million; Worldwide up to AED 2 million
Covers pre-existing conditions, maternity, dental, alternative medicine

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About Health Insurance in United Arab Emirates

Our editorial team has evaluated and ranked the top 10 health insurers in United Arab Emirates based on editorial ratings from trusted sources, customer satisfaction, financial strength, and coverage quality. Rankings are updated regularly to reflect the latest market changes.

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