Insurance

A practical comparison of the UAE's largest insurance providers across health, motor, life and Takaful cover. Mandatory rules by emirate, regulator details, and a buyer's guide for residents and businesses.

Orient Insurance is a Dubai-domiciled general insurer founded in 1982 and wholly owned by the Al-Futtaim Group. It is one of the UAE's largest motor insurers by policy count, leveraging Al-Futtaim Auto's Toyota, Lexus, Honda, and Volvo dealer network, and writes a full general-insurance book across health, travel, property, marine, and corporate lines.

Salama is the UAE's largest Takaful (Sharia-compliant) insurer and one of the oldest in the world, founded in Dubai in 1979 and listed on the DFM. It offers cooperative-pool motor, health, family and general cover supervised by an internal Sharia Supervisory Board, with pricing broadly in line with conventional peers.

Abu Dhabi National Insurance Company (ADNIC) is a composite insurer founded in 1972, listed on the Abu Dhabi Securities Exchange since 1991. It covers motor, health, travel, property and life on the retail side, with strong corporate lines in marine, aviation, energy and engineering.

The National Health Insurance Company (Daman) is the UAE's largest health insurer by member count, covering most of Abu Dhabi's population through Thiqa for nationals and Enhanced plans for residents. Founded in 2006 and part-owned by the Abu Dhabi Government, it pioneered mandatory employer-funded health cover in the emirate.