Navigating health insurance in the UAE can feel overwhelming—with so many providers, policies, and fine print, how do you pick the best one for your needs? Whether you’re an expat, a local, or a business owner, having the right health insurance is crucial for peace of mind.
In this guide, we’ll break down the top 5 health insurance companies in the UAE, comparing coverage, costs, customer service, and unique benefits. We’ve included expert insights, real-life experiences, and key factors to help you make an informed decision.
Why Chose Best Health Insurance Companies in UAE
The UAE mandates health insurance for all residents, and for good reason. Medical costs can skyrocket without coverage—a simple hospital visit can cost thousands of dirhams. Plus, with world-class healthcare facilities like Cleveland Clinic Abu Dhabi and American Hospital Dubai, having reliable insurance ensures you get the best care without financial stress.
Key Factors to Consider When Choosing Health Insurance
- Coverage Scope – Does it include dental, maternity, and chronic conditions?
- Network of Hospitals – Are your preferred hospitals covered?
- Premiums vs. Benefits – Is the plan affordable for the coverage offered?
- Claim Process – How easy is it to file and get reimbursed?
- Customer Support – Are they responsive and helpful?
Now, let’s dive into the best health insurance providers in the UAE.
1. Daman Health Insurance
Best for Comprehensive Coverage & Government-Backed Plans
Why Daman?
Daman is the leading health insurer in Abu Dhabi, providing both Thiqa (for UAE nationals) and enhanced plans for expats. Known for its wide network (including top hospitals like Burjeel and NMC), Daman offers seamless claim processing.
Key Features:
✔ Extensive hospital network (1,500+ facilities)
✔ Cashless treatment at most major hospitals
✔ Chronic disease coverage with minimal waiting periods
✔ 24/7 customer support in multiple languages
Real-Life Example:
Sarah, an expat in Abu Dhabi, needed emergency surgery. With Daman, she walked into a network hospital, showed her card, and had zero out-of-pocket expenses.
Best For: Expats, families, and those needing premium coverage without hassle.
2. AXA Gulf
Best for Expats & Customizable Plans
Why AXA?
AXA Gulf is a global leader in insurance, offering flexible plans tailored to different budgets. Their “SmartCare” options range from basic to premium, making them ideal for young professionals and families.
Key Features:
✔ Customizable add-ons (dental, maternity, wellness)
✔ Direct billing in 4,000+ medical facilities
✔ Fast online claims via their mobile app
✔ Global coverage for frequent travelers
Expert Insight:
“AXA stands out for its digital experience—most claims are processed within 48 hours.” – Insurance Advisor, Dubai.
Best For: Expats who want flexibility and international coverage.
3. Oman Insurance Company (OIC)
Best for Affordable Premiums & Reliable Service
Why OIC?
Oman Insurance is one of the most trusted providers in Dubai, offering cost-effective plans without compromising on quality. They partner with Aetna International, ensuring global standards.
Key Features:
✔ Budget-friendly options (starting at AED 600/year)
✔ Wide network (including Aster and Mediclinic)
✔ Preventive care benefits (free health check-ups)
✔ Efficient online portal for policy management
Real-Life Example:
Ahmed, a freelancer, chose OIC’s basic plan for AED 800/year and saved 70% on his diabetes medication.
Best For: Young professionals and cost-conscious individuals.
4. Bupa Global
Best for High-Net-Worth Individuals & Global Coverage
Why Bupa?
If you want premium international healthcare, Bupa is a top choice. Their “Elite” plans cover worldwide treatment, including the US and Europe.
Key Features:
✔ Luxury healthcare access (VIP hospital rooms)
✔ No claim limits on most plans
✔ 24/7 medical concierge
✔ Coverage for alternative therapies (acupuncture, homeopathy)
Expert Insight:
“Bupa is the gold standard for executives who need seamless global healthcare.” – Financial Consultant, Dubai.
Best For: High-earners, CEOs, and expats who travel frequently.
5. NextCare by NAS
Best for Short-Term & Visitor Insurance
Why NextCare?
If you’re on a visit visa or need temporary coverage, NextCare offers affordable, short-term plansapproved by Dubai Health Authority (DHA).
Key Features:
✔ Plans from 1 month to 1 year
✔ Instant policy issuance online
✔ Covers emergencies & outpatient care
✔ Ideal for tourists & new residents
Real-Life Example:
Maria, a tourist, fractured her arm in Dubai. Her NextCare plan (AED 300/month) covered the entire ER bill.
Best For: Visitors, new expats, and those needing temporary insurance.
Best 5 Health Insurance Companies in UAE