Health Insurance Companies in the UAE: Insurers and TPAs by Emirate
Short answer: Health insurance companies in the UAE are licensed by the Central Bank of the UAE (CBUAE), and each emirate’s health regulator then decides who may sell or administer health cover there. In Dubai, the Dubai Health Authority lists 45 insurers and 16 claims administrators (TPAs) holding its Health Insurance Permit. In Abu Dhabi, the DOH Shafafiya licence list gives transaction codes to 46 insurers and 27 TPA entries, including four Daman programmes such as Thiqa. For a clinic, these lists are the starting point for knowing which payers you can contract with.
Last verified: 29 October 2026 against the ISAHD Permitted Insurers and TPA lists (page updated 25 March 2026), the DOH Shafafiya insurer licence list, the CBUAE register of July 2025 and the MOHRE Health Insurance Scheme page.
Key Takeaways
- The CBUAE licenses insurers and registers health claims administrators (TPAs). Its July 2025 register lists 58 insurance companies of all types and 20 TPAs.
- Dubai lets only companies with a DHA Health Insurance Permit sell or administer health insurance in the emirate: 45 insurers and 16 TPAs on the current lists.
- Abu Dhabi gives every insurer, TPA and broker a Shafafiya code. Daman administers the Thiqa programme, Basic insurance and funded mandates.
- In Sharjah, Ajman, Fujairah, Ras Al Khaimah and Umm Al Quwain, the federal scheme from 1 January 2025 costs employers AED 320 a year per worker.
- An insurer and its TPA are different parties. Your claims may go to the TPA, but your network contract is usually with the insurer or the TPA acting for it.
Insurers, TPAs and Brokers: Who Does What
Health insurance companies in the UAE work alongside two other kinds of company between a patient and your clinic’s bill, and each is on a different official list.
| Type | What It Does | Where It Is Listed |
|---|---|---|
| Insurance Company | Carries the risk and pays the claim | CBUAE register; DHA Permitted Insurers (Dubai); DOH Shafafiya codes starting with A (Abu Dhabi) |
| Third Party Administrator (TPA) | Runs the policy for the insurer: approvals, claims and provider networks | CBUAE register; DHA Permitted TPAs (Dubai); DOH codes starting with C or D (Abu Dhabi) |
| Insurance Broker | Sells policies to employers and individuals | CBUAE register; DOH codes starting with B (Abu Dhabi) |
Dubai’s lists say the Health Insurance Permit “signifies that the company is allowed to sell health insurance products in the Emirate of Dubai”, and for TPAs that it is allowed “to administer health insurance policies in the Emirate of Dubai on behalf of permitted health insurance companies”. Each company on the Dubai list carries an eClaimLink ID, the payer code used on the Dubai claims platform.
Who Must Be Insured in Each Emirate
| Emirate | Rule | Official Source |
|---|---|---|
| Dubai | The employer must provide health insurance for its employees | Dubai Law No. 11 of 2013, Article 10 |
| Abu Dhabi | Compulsory for non-UAE nationals and their families; the employer covers the employee, a wife and up to three children under 18, and no residence permit is issued until enrolled | Abu Dhabi Law No. 23 of 2005, Articles 4 and 5 |
| Sharjah, Ajman, Fujairah, Ras Al Khaimah, Umm Al Quwain | From 1 January 2025 private sector employers buy cover for employees and domestic workers, AED 320 a year, as a condition for issuing or renewing residency | MOHRE Health Insurance Scheme page |
In Abu Dhabi the DOH list also shows four Daman administration codes: the Thiqa programme, Basic insurance, and two funded mandates codes.
Health Insurance Companies Permitted in Dubai
These are the 45 insurers on the DHA Permitted Insurers list, in alphabetical order, with the names as DHA publishes them (shortened where the branch name is long). The table also gives each insurer’s eClaimLink ID from the same DHA list, and its code on the Abu Dhabi Shafafiya licence list where the same company appears there. The list’s conditional compliance section was empty when we checked.
| Insurer (Dubai Permit List) | eClaimLink ID | Abu Dhabi Shafafiya Code |
|---|---|---|
| Abu Dhabi National Insurance Company | INS017 | A002 |
| Abu Dhabi National Takaful Company | INS027 | A008 |
| Adamjee Insurance Co. Ltd. | INS047 | A045 |
| Al Ain Ahlia Insurance Company | INS028 | A010 |
| Al Buhaira National Insurance Company | INS020 | A006 |
| Al Dhafra Insurance Company | INS029 | A016 |
| Al Fujairah National Insurance Company | INS030 | A018 |
| Al Sagr National Insurance Company | INS011 | A003 |
| Al Wathba National Insurance Company | INS023 | A004 |
| Al-Ittihad Alwatani General Insurance Company | INS024 | A036 |
| Alliance Insurance Company | INS025 | A013 |
| Arabia Insurance Company | INS042 | A019 |
| Cigna Insurance Middle East (Dubai Branch) | INS137 | Not listed |
| Dubai Insurance Company | INS005 | A029 |
| Dubai Islamic Insurance and Reinsurance Co (Aman) | INS006 | A022 |
| Dubai National Insurance and Reinsurance Co | INS007 | A037 |
| Emirates Group | INS080 | Not listed |
| Emirates Insurance Company | INS033 | A007 |
| Gulf Insurance Group (Gulf) Dubai Branch | INS010 | A026 |
| Hayah Insurance Company | INS009 | Not listed |
| Insurance House | INS034 | A038 |
| Iran Insurance Company | INS043 | Not listed |
| Islamic Arab Insurance Company (Salama) | INS035 | A020 |
| Jordan Insurance Company | INS082 | A040 |
| Liva Insurance (Dubai Branch) | INS044 | A046 |
| MedGulf (Dubai Branch) | INS134 | A043 |
| Methaq Takaful Insurance | INS037 | A032 |
| MetLife Alico | INS013 | A011 (listed as American Life Insurance Co.) |
| National General Insurance Company | INS038 | A025 |
| Orient Insurance | INS008 | A012 |
| Orient Takaful | INS139 | A044 (listed as Orient UNB Takaful) |
| Qatar Insurance Company | INS019 | A014 |
| Ras Al Khaimah National Insurance Company | INS014 | A009 |
| Saudi Arabian Insurance Company | INS015 | A024 |
| Sukoon Insurance | INS012 | Not listed by this name |
| Sukoon Takaful | INS016 | Not listed by this name |
| Takaful Emarat | INS022 | A035 |
| The National Insurance Company (Daman) | INS026 | A001 |
| The New India Assurance Company | INS046 | Not listed |
| The Oriental Insurance Company (Dubai Branch) | INS128 | Not listed |
| Tokio Marine and Nichido Fire Insurance (Dubai Branch) | INS084 | Not listed |
| Union Insurance Company | INS040 | A034 |
| United Fidelity Insurance Company (Dubai Branch) | INS041 | Not listed |
| Watania Takaful Family | INS018 | A028 |
| Yas Takaful | INS031 | Not listed |
The Abu Dhabi list also has insurer codes for some companies that are not on Dubai’s permit list, and it can still carry older company names, so check the current name with the payer before you contract.
Claims Administrators (TPAs) and Where They Appear
This table takes the 16 TPAs on Dubai’s permit list, in alphabetical order, and shows whether the same company also appears on the Abu Dhabi Shafafiya list and the CBUAE register of July 2025.
| TPA (Dubai Permit List) | Abu Dhabi Shafafiya Code | CBUAE Register |
|---|---|---|
| Aafiya Medical Billing Services | Yes | Yes |
| Almadallah Healthcare Management | Yes | Yes |
| Aspire Solution Operations Health Insurance Claims Management | Not listed | Yes |
| E Care International Medical Billing Services | Yes | Yes |
| FMC Network UAE | Yes | Yes |
| GlobeMed Gulf Healthcare Solutions | Yes | Yes |
| Inayah TPA | Yes | Yes |
| Khat Al Haya Management of Health Insurance Claims | Not listed | Yes |
| MedNet Global Healthcare Solutions | Yes | Yes |
| MSH International | Not listed | Yes |
| NAS Administration Services | Yes | Yes |
| Neuron | Yes | Yes |
| Nextcare Claims Management | Not listed | Yes |
| Now Health International | Not listed | Yes |
| Thiqa | Daman Thiqa programme code | Not listed by that name |
| Whealth International | Yes | Yes |
Some TPAs appear on the Abu Dhabi list or the CBUAE register but not on Dubai’s permit list:
| TPA (Not on Dubai Permit List) | Where It Appears |
|---|---|
| 247 Medical Billing Services | CBUAE register (July 2025) |
| Advance Care Management Services | Abu Dhabi Shafafiya (C017) |
| Aetna Global Benefits (Middle East) | Abu Dhabi Shafafiya (C003) |
| Amity Health | Abu Dhabi Shafafiya (C014) |
| Arab Gulf Health Services | Abu Dhabi Shafafiya (C002) |
| Avita Administration Services | Abu Dhabi Shafafiya (C012) |
| Daman Healthcare Solutions | CBUAE register (July 2025) |
| IRIS Health Services | Abu Dhabi Shafafiya (C024) |
| Maxcare Middle East | Abu Dhabi Shafafiya (C023) |
| Mobility Saint Honore International | Abu Dhabi Shafafiya (C010) |
| Penta Care Medical Services | Abu Dhabi Shafafiya (C008) |
| Sehateq Medical Billing Services | CBUAE register (July 2025) |
| Starz Health Insurance Claims Management | CBUAE register (July 2025) |
| Vidal Medical Services | Abu Dhabi Shafafiya (C016) |
| Wapmed TPA Services | Abu Dhabi Shafafiya (C011) |
How We Chose These Lists
To list health insurance companies in the UAE we used official lists only: the DHA Permitted Insurers and Permitted TPAs pages on isahd.ae, the DOH Shafafiya insurer licence file, and the CBUAE register of insurance companies and related professions for July 2025, the newest insurance edition we could open. An entry qualified if it appears on one of those lists. We did not add companies from market reports or websites, and we did not rank anyone: lists are alphabetical. The Shafafiya file is a code list for transactions, so it can still carry older company names, and a missing tick in the table means only that the name was not on that list when we checked. Before you sign a contract, confirm the payer’s current status with the regulator.
OzaniX Partners is independent and is not paid by any company listed here. Our Insurance Empanelment service helps clinics apply to join insurer and TPA networks; we do not sell insurance.
Frequently Asked Questions.
How many health insurance companies are there in the UAE?
The count of health insurance companies in the UAE depends on the list. Dubai’s permit list has 45 insurers allowed to sell health insurance there, and the Abu Dhabi Shafafiya list has codes for 46. The CBUAE register of July 2025 lists 58 insurance companies of all types, not only health.
What is a TPA in UAE health insurance?
A third party administrator runs health policies for an insurer, handling approvals, claims and provider networks. In Dubai a TPA needs a DHA Health Insurance Permit, and the CBUAE keeps a separate TPA register.
Who administers Thiqa in Abu Dhabi?
The DOH Shafafiya list shows the National Health Insurance Company (Daman) with a code for Thiqa programme administration, alongside its codes for Basic insurance and funded mandates.
Is health insurance mandatory in Sharjah and the northern emirates?
Yes. Since 1 January 2025 private sector employers in Sharjah, Ajman, Fujairah, Ras Al Khaimah and Umm Al Quwain must buy cover for their workers before residency is issued or renewed. MOHRE gives the scheme price as AED 320 a year.
Where This Comes From.
- DHA (ISAHD): Permitted Health Insurance Providers (updated 25 March 2026)
- DHA (ISAHD): Permitted Health Insurance Claims Management Companies (TPAs)
- DOH: Shafafiya Dictionary (Licenses: Insurers)
- DOH: Shafafiya insurer, TPA and broker licence list (CSV)
- CBUAE: Register of Insurance Companies and Related Professions (July 2025)
- MOHRE: Health Insurance Scheme (from 1 January 2025)
- Dubai Law No. 11 of 2013 Concerning Health Insurance (Article 10)
- DOH: Law No. 23 of 2005 Concerning Health Insurance in the Emirate of Abu Dhabi (Articles 4 and 5)
How OzaniX Partners Can Help.
Knowing the health insurance companies in the UAE is the first step. Getting onto their networks is the next one. Our Insurance Empanelment team helps clinics choose which insurers and TPAs to approach, prepare the documents and follow each application through. Talk to us before you open, so your network is ready when your first patients arrive.
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