UAE residents often ask which company they can “trust blindly” for health cover. While no insurer is perfect, five providers consistently top customer-satisfaction and claim-settlement charts. Below is a refreshed look at the Top 5 Health Insurance Companies in the UAE You Can Trust—originally compiled in 2021 and still relevant in 2025.
1. Orient Insurance
Part of the Al-Futtaim Group, Orient holds an A rating with Standard & Poor’s and offers generous annual limits, low co-pays, and direct access to premium hospitals. Its OIC Care series ranges from DHA EBP to worldwide VIP plans with maternity up to AED 20,000.
2. Abu Dhabi National Insurance Company (ADNIC)
A publicly traded giant, ADNIC logged a 92 % claim-settlement ratio in 2024. Its Shifa plans feature 3,000-plus providers, including Mayo Clinic tie-ups for critical cases abroad, making it ideal for families seeking robust coverage.
3. Dubai Insurance Company (DIC)
DIC’s DubaiCare health division is praised for 48-hour claim approvals and AI-driven fraud monitoring. Enhanced plans grant policyholders elective overseas treatment up to USD 250,000, rare at its price point.
4. Salama (Islamic Arab Insurance)
For Sharia-compliant seekers, Salama’s FamilyCare Takaful delivers surplus sharing and transparent investment. Plans integrate with NAS networks and include preventive-care wellness checks at no extra premium.
5. Emirates Insurance Company (EIC)
Headquartered in Abu Dhabi, EIC’s Health Plus portfolios boast a nationwide network and emergency coverage across GCC. Its digital claim portal averaged 4.3/5 user ratings on InsuranceHub in 2025.
How We Picked the List
- Central Bank solvency ≥ 150 %
- AM Best or S&P rating ≥ A-
- Claim settlement ratio ≥ 90 %
- Positive customer reviews on InsuranceHub for two consecutive years
Why Buy Through insurancehub.ae?
- Side-by-side comparison of all five insurers, including rider pricing.
- Exclusive online discounts up to 12 %.
- Licensed advisors help decode fine print.
- Paperless purchase in under 10 minutes.
