12 Best Health Insurance Provider in Abu Dhabi

Here are the 12 best health insurance providers in Abu Dhabi for 2025, along with their key features, contact numbers, and websites:

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12 Best Health Insurance Providers in Abu Dhabi

Here are the best health insurances in Abu Dhabi

1. Daman Health Insurance

Establishment Year: 2005, with operations starting in May 2006.
Address: 3 Tunb Al Kubra St – Al Rawdah – W59 01 – Abu Dhabi – United Arab Emirates.

Daman is the largest health insurer in Abu Dhabi and one of the leading insurers in the UAE, serving over 3 million members with access to 3,000+ hospitals, clinics, and pharmacies.

Plans:

Basic Health Insurance Plan

AED 250,000 annual coverage, including inpatient, outpatient, emergency, maternity, physiotherapy, ambulance services, with co-payments on diagnostics and inpatient services. The plan covers over 1,250 facilities in Abu Dhabi, Al Ain, and Al Dhafra.

Enhanced Plans (Silver, Gold, Platinum)

• Silver: AED 3 million annual limit, UAE network.
• Gold: AED 10 million annual limit, GCC coverage and worldwide emergencies.
• Platinum: AED 20 million annual limit, worldwide elective treatment with semi-private rooms.

Unique Features: Access to specialized Centres of Excellence like Cleveland Clinic Abu Dhabi and Sheikh Khalifa Medical City, digital claims processing via app tied to Emirates ID, and government-backed with financial strength and regulatory compliance.

2. Abu Dhabi National Insurance Company (ADNIC)

Establishment Year: September 10, 1972

Address: 

• Corporate Headquarters (Abu Dhabi): Building No. 403 , P.O. Box: 839, Abu Dhabi

ADNIC (Abu Dhabi National Insurance Company) is one of the leading insurance companies in the UAE. They offer many types of health insurance plans to match different needs and budgets.

Their health insurance comes in four levels Platinum, Gold, Silver, and Bronze,  so you can choose from basic to full coverage, in the UAE or even abroad.

These plans can cover:

• Hospital stays and doctor visits
• Organ transplants
• Nursing care at home
• Alternative treatments
• Optional dental and eye care
  

ADNIC also has special health insurance options, such as:

• Retiree plans for older people
• HALA visitor insurance for anyone visiting the UAE
  

They work with more than 3,000 hospitals, clinics, and doctors locally and worldwide, making it easy to get care. Customers also benefit from:

• Fast and easy claim services
  
• Customer support in different languages
  
• Extra help like emergency medical evacuation and global assistance

3. Emirates Insurance Company (EMINSCO)

Establishment Year: 1982. 

Address: 

• Emirates Insurance Building, Al Zahiya (Tourist Club Area), Abu Dhabi

EMINSCO presents Medical Insurance, offering different levels of coverage such as Basic Plan and Essential Plan

As one of the oldest insurers in the UAE, EMINSCO (Emirates Insurance Company) has been operating since the early 1980s and is headquartered in Abu Dhabi, with multiple branch offices across the UAE

On health insurance specifically, EMINSCO offers:

• Basic Plan
  
• Standard Plan
  
• Enhanced Plan
  
• VIP Plan

These are typically made available through partnerships, with one noted partner being NAS (Network Access Services), which helps manage medical benefits and claims
They are a publicly listed company on the Abu Dhabi Securities Exchange (ADX) and hold strong credit ratings of A- from both S&P Global Ratings and AM Best

4. AXA Gulf,  Now GIG Gulf

Established year

• The original Gulf Insurance Group (GIG) was established in 1962. 
• November 2020: The AXA Group announced an agreement with the Gulf Insurance Group (GIG) to sell its operations in the Gulf. 

Address : GIG Gulf Headquarters (Dubai): Floor 39, Churchill Executive Tower, Business Bay, P.O. Box 5862, Dubai, UAE.

AXA Gulf merged with Gulf Insurance Group and rebranded as GIG Gulf in June 2022. The same services and plans continue under the GIG name.

Health Insurance Highlights from GIG Gulf

1. Smart Health Plans:  Flexible coverage designed for expats and residents:

• Smart Health Global
  

• Worldwide coverage excluding the USA
  
• AED 7.5 million annual limit
  
• 10% co-pay on outpatient services
  
• Includes dental and maternity benefits
  
• Teleconsultation via the GIG Gulf360 app

• Smart Health Regional

• • Coverage across GCC, parts of the Middle East and Southeast Asia
  • ED 2.5 million annual limit
    
  • Similar co-pay and benefits structure

Common Features Across Plans:

• • Access to 3,000+ healthcare providers in the UAE and a global network
  • 24/7 multilingual customer support
  • Fast online claim reimbursements
  • Telemedicine access via app
  • Coverage for inpatient and outpatient care, pre-existing and chronic conditions, cancer support programs
  • Additional benefits like routine dental, maternity care, and wellness support through the MYGIG app

5. Al Ain Ahlia Insurance

Establishment Year: 1975 

Address: Al Ain Ahlia Insurance Co Bldg, Airport Road, Abu Dhabi, United Arab Emirates

 Al Ain Ahlia Insurance Company (AAIC) is one of the oldest and most trusted insurance companies in the UAE. Its head office is in Abu Dhabi, with several branches across the country.

The company is financially strong, with ratings of A- from S&P and A3 from Moody’s, showing its stability and reliability. AAIC is also listed on the Abu Dhabi Securities Exchange.

They provide many types of insurance, including life, motor, marine, engineering, property, and especially health insurance.

Health Insurance Plans at AAIC

Group Medical Insurance (For Businesses)

• Designed for SMEs and large companies.
  
• Coverage options: Local, Regional, or International.
  
• Meets UAE law with emergency, inpatient, and outpatient care.
  
• Optional add-ons: dental, optical, wellness programs, and alternative medicine.
  
• Works with trusted TPAs for 24/7 access to hospitals and clinics in the UAE and abroad.
  

Individual Medical Insurance

• Plans are also available for individuals, though fewer details are shared publicly.
  
• Platforms like Bayzat mention coverage for both individuals and employers, including healthcare workers.

6. Al Dhafra Insurance

Establishment Year: 1979

Head Office Address: Zayed Second Street, Abu Dhabi, United Arab Emirates

Al Dhafra Insurance Company (ADIC) was founded in 1979 and is based in Abu Dhabi. It is one of the well-known insurers in the UAE and is listed on the Abu Dhabi Securities Exchange.

The company provides many types of insurance, including motor, marine, property, engineering, medical, and life insurance.

Health Insurance Highlights

• Individual Plans: Cover doctor visits, hospital stays, lab tests, maternity, and emergency care. Optional add-ons include dental, optical, and wellness services.
  
• Group/Corporate Plans: Tailored for companies of different sizes. Coverage can be local, regional, or international, and can include dependents.
  
• Works with Third Party Administrators (TPAs) to give 24/7 access to healthcare providers in the UAE and abroad.
  

7. Al Fujairah National Insurance (AFNIC)

Establishment year: 1976

Address:The company’s registered head office is located on Hamad Bin Abdullah Street in Fujairah, UAE,  P.O. Box 277, Fujairah, United Arab Emirates. 

AFNIC is the only insurance company based in Fujairah, with more than 25 branches across the UAE, including Abu Dhabi, Dubai, Sharjah, and Dibba.

They provide a wide range of insurance services for both individuals and businesses, such as motor, medical, travel, and home insurance, along with corporate policies.

The company is known for its financial strength, long experience, and strong customer support.

Medical Insurance Options

• Individual & Family Plans
  AFNIC offers health insurance for families and individuals. Plans cover hospital stays, outpatient care, doctor visits, maternity, and in some cases, routine dental care.
  
• Group & Corporate Plans
  Businesses can choose customized group health insurance for employees. Coverage can include outpatient, inpatient, maternity, dental, optical, and even alternative medicine, depending on the plan.
  

AFNIC works with top Third Party Administrators (like Nextcare, Mednet, and NAS) and gives 24/7 support for smooth access to healthcare

8. Al Wathba National Insurance (AWNIC)

Establishment year: 1996

Address: Head Office: Al Wathba Insurance Building, Najda Street, Abu Dhabi, UAE.

AWNIC is an insurance company based in Abu Dhabi and listed on the Abu Dhabi Securities Exchange.

They offer many insurance products, including motor, health, life, home, travel, marine, property, and engineering coverage.

Health Insurance

• For Individuals & Families: Covers hospital visits, outpatient treatment, and access to quality medical care.
  
• For Groups & Businesses: Custom medical plans designed to match company needs.
  

Extra Features

• Fast claims and reliable customer service.
  
• A mobile app to get quotes, buy policies, file claims, request roadside help, and manage rewards easily.

9. Dubai Insurance Company (DIC)

Establishment year: 1970

Address: Bin Yas Street, PO Box 94797, Abu Dhabi, AE.

Dubai Insurance Company (DIC) was founded by the late Sheikh Rashid Al Maktoum. It was the first local insurance company in the UAE and has been serving clients for more than 50 years. The company is based in Deira, Dubai.

DIC offers many types of insurance, such as property, liability, marine, group life, medical, and specialty insurance. It is financially strong, with an A (Excellent) rating from AM Best and an A rating from Fitch.

Health Insurance
DIC provides health insurance for both individuals and groups.

Their DubaiCare system includes:

• Instant e-card for easy access to claims, approvals, and policy details
  
• A wide network of over 3,000 healthcare providers
  
• 24/7 multilingual customer support
  
• Wellness programs and second medical opinion services
  

10. MetLife UAE

Establishment year: 2016

Address: 10th Floor, Abu Dhabi Trade Centre, Abu Dhabi Mall East Tower

MetLife UAE provides flexible health plans for individuals and businesses, covering daily medical needs and serious illnesses, with easy digital tools for support.

Plans & Features

1. Individual Medical Plans: Covers doctor visits, hospital stays, emergencies, medicines, physiotherapy, maternity, and vaccinations.
2. Accident & Health Solutions: Includes critical illness payouts, disability cover, worldwide accident protection, discount card, and second medical opinions.
3. Health Cover Abroad: Provides treatment for major illnesses overseas, plus travel, accommodation, medicines, and translator support.
4. Business & Corporate Solutions (Health Plus) : Comprehensive package for employees: medical, life, accident, disability, and wellness services.
5. myMetLife App: Manage policies, submit claims, use digital health card, and locate providers easily.

11. Cigna Middle East

Address: Level 17, The Offices World Trade Center in Hamdan Street, Central Market, Al Markaziya, PO Box 3876, Abu Dhabi, UAE. 

Cigna is a global health services company with a strong presence in the Middle East. It has been providing health insurance solutions in the region for years, offering coverage for both individuals and businesses.

Health Insurance Plans

• For Individuals & Families: Cigna offers flexible health plans that include access to quality hospitals, doctors, and clinics worldwide. Coverage often includes outpatient, inpatient, maternity, dental, and vision benefits.
  

   

• For Companies & Groups: They provide tailored health plans for employees, helping businesses support their teams with medical coverage that fits different needs.
  

Extra Features & Support
Cigna is known for its 24/7 customer service, easy online access to policy information, wellness programs, and tools to manage claims and track healthcare expenses.

12. Al Buhaira

Establishment Year: Al Buhaira was founded in 1978. 

Address: Corniche Rd – Al Danah – Zone 1 – Abu Dhabi.

ABNIC provides health insurance plans for individuals, families, and businesses across the UAE.

Key Benefits

• Wide network: Access to about 2,988 hospitals, clinics, pharmacies, and diagnostic centers.
  
• Inpatient & outpatient care: Covers doctor visits, lab tests, surgeries, medicines, and more.
  
• Add-ons: Extra options like maternity, dental, and eye care.
  
• Worldwide coverage: Some plans cover treatment outside the UAE (direct billing or reimbursement, depending on the plan).
  

Types of Plans

• Individual & Family Plans: Flexible options with basic or enhanced coverage and add-ons.
  
• Group & Corporate Plans: Tailored for businesses to meet regulations and support employees with inpatient/outpatient care, lab tests, emergency services, and direct billing.
  

Basic vs. Comprehensive

• Basic Plans: Cover emergencies, hospitalization, outpatient care, and medicines.
  

   

• Comprehensive Plans: Include everything in basic, plus maternity, dental, optical, preventive care, and more.
  

5 Best Health Insurance Providers in Abu Dhabi for Expats

For expats living in Abu Dhabi, having health insurance is mandatory by law, and these providers stand out for their compliance with local regulations, comprehensive coverage, and support services tailored to expatriate needs.

How to choose health insurance in the UAE?

Choosing health insurance in the UAE is easier if you keep a few simple things in mind. 

• First, think about your own health needs and those of your family. Decide if you want basic coverage or something more complete. 
• Next, compare different plans and check what they cover, like doctor visits, hospital stays, medicines, and emergencies, and whether your favorite hospitals are included. 
• Also, look at the total cost, not just the monthly payment, but also any extra fees when you use medical services. 
• Make sure to read the policy carefully so you know what is covered, what is not, and if there are waiting times for some treatments.
•  If you find it complicated, you can ask an insurance expert to help you pick the right plan. 

This way, you get a health insurance plan in the UAE that fits your needs and keeps you and your family protected

How much does health insurance cost in the UAE?

The price you pay depends on things like how much coverage you want, your age, and if you have any health problems. Costs can start from about AED 500 and go much higher depending on your needs. 

Wrapping Up

Each top health insurance provider in Abu Dhabi offers different plans for individuals, families, and companies. The plans vary in coverage area, medical services, and cost.

It’s best to contact the company directly to find the plan that fits your needs and eligibility.

Reference

businessnewse.com

https://www.shory.com/individual-health-insurance/blogs/uae-medical-insurance-prices-real-costs-that-most-expats-dont-know/