Your 2025 Health Insurance Guide: Top Insurers in Abu Dhabi & Dubai

In Abu Dhabi and Dubai, proper health insurance is not just a legal requirement but also a key component of financial wellness.

To ease the process of navigating the complex insurance landscape, online websites like Shory have emerged as trusted platforms that allow residents and expats to compare and purchase insurance policies conveniently. As the first insurtech company in the UAE, Shory offers instant health insurance quotes, allowing users to make immediate, informed decisions from their homes.

In this guide, we reveal the top health insurance providers in Abu Dhabi and Dubai for 2025, along with some expert top tips to help you choose the most appropriate policy for your personal situation.

The Need for Health Insurance in the UAE

Health insurance is mandatory for all UAE residents, including employees, dependents, and domestic workers. Employers in Dubai are required to sponsor employees with basic health insurance, while in Abu Dhabi, employers are required to sponsor employees and their dependents as well with health insurance.

Other than legal compliance, health insurance also provides peace of mind. It saves you from unexpected medical costs and ensures good healthcare access. Regardless of the illness, minor or major surgery, the right health policy can play an important role in taking care of health and finances.

Top Health Insurance Providers in Abu Dhabi and Dubai (2025)

Below is a list of leading health insurance providers with varying levels of cover, from basic essential benefits to premium international plans.

1. Shory: Leading Insurance Provider

While not an insurer itself, Shory is one of the most important players in the UAE insurance industry. As a prominent insurtech platform, Shory allows users to compare health insurance quotes from leading providers in real-time.

With Shory, residents and expats can:

Get quotes from multiple insurers in real-time

Customize plans based on budget and benefit requirements

Purchase policies online without documentation

Manage claims and support online

By eliminating hidden fees and unnecessary waiting periods, Shory simplifies the process of health insurance into a faster, more transparent, and fully digital experience — the go-to choice for anyone seeking quality insurance in Abu Dhabi or Dubai.

2. Abu Dhabi National Takaful Company (ADNTC)

ADNTC is a well-respected name in Islamic insurance. It is a provider of Sharia-compliant health insurance solutions that have been acclaimed for transparency and integrity. ADNTC enjoys a robust presence in Abu Dhabi, with an effortless digital platform and reliable claims management system.

3. Al Ain Ahlia Insurance

Al Ain Ahlia offers a wide range of insurance products like health, motor, and travel insurance. Their health insurance policies are suitable for individuals and families, with a very wide network of hospitals and clinics. Their premiums are low, making them extremely popular in Abu Dhabi and even Dubai.

4. Al Dhafra Insurance

Al Dhafra Insurance provides general insurance and medical insurance. They have essential benefit plans and enhanced packages with maternity, dental, and optical coverage. Their customer support and network hospital partnerships render them a solid mid-range insurer.

5. Al Fujairah National Insurance Company (AFNIC)

AFNIC is well established in property and liability insurance but has also expanded health insurance products now. Their policies are ideal for small businesses and individuals looking for flexible health insurance plans. Easy payment plans are also available from them.

6. Al Wathba National Insurance Company (AWNIC)

Al Wathba is renowned for its packaged insurance policies. Their health insurance policies generally include value-added services like annual health check-ups and wellness programs. Their app-based services offer convenience in managing policies and claims online.

7. Dubai Insurance Company (DIC)

Dubai Insurance Company is one of the oldest insurance companies in the UAE. It offers comprehensive health cover with basic, silver, gold, and platinum-level policies. Its online renewal, claim, and document upload services are also very convenient for the policyholders.

8. Insurance House

This insurer is a top pick for working professionals and families since it's budget-friendly with reasonable coverage options. Insurance House offers nicely balanced cost and coverage plans, and their customer service is well-rated.

9. National General Insurance (NGI)

NGI is a flexible, stable health insurance provider. NGI policies can be tailored to your medical and financial needs, whether you are a single professional or a large family. Its strong hospital network and efficient claims department are its biggest plus points.

10. Orient Insurance Company

Orient Insurance, a company of Al-Futtaim Group, offers top-notch service and premium health cover. Their policies include international medical access, telemedicine services, and hospital stays at VIP level. They are ideal for those who are looking for extensive coverage and top-notch benefits.

11. Qatar Insurance Company (QIC)

QIC provides general and medical insurance in the GCC. They have competitive premiums and extensive in-patient and out-patient benefits in the UAE. They cover individuals and corporate clients.

12. Salama Islamic Arab Insurance

Salama is a pioneer in Takaful health insurance. They combine Islamic principles with practical features such as online tracking of claims, direct billing, and family packages. Their ethically driven model of coverage is especially appealing to residents seeking faith-based policies.

13. Sukoon Insurance

Formerly known as Oman Insurance, Sukoon is well known for providing international standard health insurance. Their policies often include global medical cover, access to high-class hospital networks, and even some wellness benefits. They are a very popular choice for expats and business travelers.

14. Yas Takaful

Yas Takaful is comparatively a new company but is quickly gaining popularity due to its tech-based services and personalized health plans. Their Takaful policies are inexpensive and provide basic coverage to young professionals, small families, and start-ups.

How to Choose the Best Health Insurance Policy

There are so many options available that it might be hard to choose the best policy. Below are key points to consider:

Coverage Benefits: Determine if the plan covers basic medical care like hospitalization, diagnostics, maternity, and specialist consultations.

Network Hospitals: Confirm that your preferred clinics and hospitals are within the provider's network to avoid out-of-pocket expenses.

Premiums and Co-Payments: Determine if the premium is affordable considering the benefits. Consider any co-payment clauses or deductibles.

Claim Process: A provider with a digital claim process can save time and effort. Look for reviews of customer service response time and efficiency of reimbursement.

Policy Flexibility: Look for plans that allow upgrade, add-ons, or modification based on life events such as additions in the family or a change in profession.

Regulatory Compliance: Ensure that the plan or insurance provider is DHA (Dubai Health Authority) or DoH (Department of Health - Abu Dhabi) compliant.

Why Abu Dhabi and Dubai Residents Should Compare Plans

Even while both emirates require residents to be insured, the provider structures and networks could be different. In Abu Dhabi, basic coverage for families by employers is the norm, while supplemental policies are the standard for extra benefits. In Dubai, individual policy purchases are more prevalent, especially for freelancers and dependents.

Comparison websites like Shory are particularly useful in bridging these gaps. With real-time quoting, consumers are able to compare products not just on price, but on features, hospital network, and value-added services.

Final Thoughts

Selecting the right medical insurance provider in the UAE is more than looking for the lowest premium. It is a matter of understanding your medical needs, comparing provider networks, and assessing whether the insurer is reliable when you need them most.

Regardless of whether your base is Abu Dhabi or Dubai, choosing a provider from this list of reliable ones sets you on the right track. Having utilized Shory's instant quote platform, you are in a position to make the right decisions, avoid delays, and get comprehensive health coverage without any struggles.

As we go through 2025, forward health planning is not only a good idea — it's essential. Take the right step today and protect your good health and peace of mind.