Top 10 Insurance Companies in the UAE You Can Actually Trust

Finding the right insurer in the UAE can feel like navigating a maze — there are dozens of providers, plus a mix of local firms, regional players, and global brands. Trust matters most when it comes to insurance: you want a company with proven financial strength, a solid claims process, wide provider networks (for health), clear policy wording, and responsive customer service. Below I’ve compiled a practical, trust-focused list of the top 10 insurance companies in the UAE (in no strict ranked order). For each I summarize what they do best and why many expats and UAE nationals rely on them. Wherever possible I’ve cited reputable local sources so you can dig deeper. bricksconsultancy.com+1

---

1) Sukoon Insurance (formerly Oman Insurance Company)

Why trust them: Sukoon — long known as Oman Insurance Company until its rebrand — is one of the UAE’s oldest and most established insurers (founded in the 1970s). It’s a composite insurer offering life, health, motor, property, and specialty lines; it also has strong bancassurance ties (Mashreq Bank is a major shareholder). Sukoon has a deep local footprint, robust reinsurance arrangements and a reputation for corporate and retail products that work across emirates. If you want a long-standing local name with a wide product mix, this is a top pick. Tracxn+1

Best for: comprehensive corporate and personal insurance, expats who want a recognized UAE brand.

---

2) Orient Insurance (Orient PJSC)

Why trust them: Orient is an Al-Futtaim Group-linked insurer with decades of operation in the UAE. The company is known for strong capitalisation and conservative underwriting. Ratings agencies and local industry trackers often cite Orient among reliable market leaders. They offer everything from motor and property to large-scale corporate risk and specialty covers. For customers who want a conservatively run insurer with strong regional expertise, Orient is a trusted choice. Insurance UAE+1

Best for: homeowners, commercial policies, and customers who prioritise financial strength.

---

3) Abu Dhabi National Insurance Company — ADNIC

Why trust them: ADNIC is a household name in the UAE and has been a major player for decades. It’s particularly strong in corporate insurance and employee benefits but also offers retail motor and property lines. ADNIC often scores well on claim settlement performance and has tailored solutions for companies operating in the UAE’s regulatory ecosystem. If you want a large, locally-rooted insurer with broad capabilities and fast digital service options, ADNIC belongs on your shortlist. bayzat.com+1

Best for: corporate clients, employee benefits (group health), and expats seeking strong local support.

---

4) Daman (National Health Insurance Company)

Why trust them: Daman is the UAE’s leading health insurer — particularly in Abu Dhabi, where it administers the Essential Benefits Program (EBP) and holds major participating-insurer status. Daman’s focus is healthcare, and its network, chronic-care programs, and claims handling are designed specifically for health insurance members. If your priority is health cover and you want a company with strong provider networks and established claims processes, Daman is a top pick. InsuranceMarket.ae

Best for: individual and corporate health plans, people with ongoing chronic conditions.

---

5) AXA / GIG Gulf (global brand in the region)

Why trust them: AXA (operating in the Gulf region alongside or under the GIG/AXA partnerships depending on product and jurisdiction) brings global underwriting standards and international claims protocols. Global insurers provide access to worldwide reinsurance, standardised policy documents and digital services that appeal to multinational households and businesses. For expats who travel frequently or need international cover, a global name like AXA (or its Gulf-affiliated variant) is reassuring. LinkedIn+1

Best for: international travellers, worldwide medical cover, multinational companies.

---

6) Bupa Global & International Options (and local partners)

Why trust them: Bupa is known globally for premium international health plans. In the UAE the company partners with local administrators and brokers to deliver plans for high-net-worth individuals, corporations and internationally mobile families. Bupa’s reputation rests on quality provider access, international portability and wellness programs that go beyond basic medical coverage. If you need cross-border continuity of care or private hospital access around the world, Bupa is a brand many customers rely upon. InsuranceMarket.ae

Best for: expatriates with international medical needs, premium health cover.

---

7) Gulf Insurance Group (GIG) / GIG Gulf

Why trust them: GIG is a regional heavyweight operating across GCC markets. It has solid technical underwriting capabilities, regional claims experience and distributes through brokers and bancassurance partners. The scale and reinsurance arrangements of GIG make it a trustworthy option for commercial lines and personal products alike. For those who want a GCC-focused insurer with scale and local experience, GIG is a dependable choice. bricksconsultancy.com

Best for: commercial insurance, regional business portfolios, motor and property cover.

---

8) Allianz / Zurich / Tokio Marine — international carriers with UAE operations

Why trust them: Large international insurers like Allianz, Zurich and Tokio Marine operate in the UAE market either directly or through regional affiliates/partners. These names offer specialty lines (marine, aviation, energy), global liability and corporate risk solutions as well as personal lines for customers seeking global reach and financial security. Multinational corporations often place complex risks with such carriers because of their financial ratings and worldwide claims networks. insurancepolicy.ae+1

Best for: specialist commercial risks (energy, marine, aviation), global corporations.

---

9) Al Wathba National Insurance Company (AWNIC) & RAK Insurance (regional, reliable players)

Why trust them: Several UAE-based insurers such as AWNIC and RAK Insurance have earned trusted reputations through long-term service, conservative underwriting and local regulatory compliance. They’re often competitive on motor and property products and present a reliable option for residents who prefer local companies backed by emirate-level relationships and S&P-style ratings. Local insurer strength is particularly useful when dealing with emirate-specific regulations and medical provider panels. insurancepolicy.ae+1

Best for: residents focused on local market service and emirate-specific programs.

---

10) Specialist & Takaful providers — Watania Takaful, Takaful Emarat, Union Insurance

Why trust them: The UAE’s insurance market includes Islamic (Takaful) providers that operate on cooperative principles instead of conventional risk-transfer models. Firms like Watania and Takaful Emarat serve customers seeking Sharia-compliant cover. For certain customers, takaful companies provide transparent participatory structures that align better with personal or family values — and they’re regulated by the same UAE authorities as conventional insurers. If you need Sharia-compliant insurance or prefer the takaful model, these are trustworthy options to consider. Insurance UAE+1

Best for: customers seeking Sharia-compliant insurance, family Takaful, and savings-linked Sharia products.

---

How I picked these companies (what “trust” means)

• Financial strength and longevity: companies with long UAE histories, good capitalization and stable ownership structures are inherently more trustworthy for major claims. (Examples: Sukoon/Oman Insurance and Orient.) Tracxn+1

• Claims performance & network reach: for health insurance the breadth of the provider network (hospitals, clinics), fast claims settlement and EBP participation (for Abu Dhabi) are key — Daman and ADNIC frequently appear as leaders in this area. InsuranceMarket.ae+1

• Regulatory compliance & local partnerships: UAE insurers operate under strict regulation; locally headquartered firms plus global carriers with regional affiliates offer different but legitimate trust signals. Insurance UAE

• Product fit & transparency: “trusted” means the policy matches your needs (family versus corporate, local vs. international travel). Always read policy wordings — look especially at exclusions, waiting periods for health, and depreciation clauses for motor/property.

---

Practical tips for choosing the right insurer in the UAE

1. Know your main need first — health vs motor vs home vs corporate specialty. The best insurer for family health might not be best for offshore energy risk.

2. Check provider networks (for health) — ask for a list of in-network hospitals and clinics in your emirate and for emergency coverage while abroad. Daman and big international players often list wide international networks. InsuranceMarket.ae

3. Examine claim handling — look for online claim portals, average settlement times and customer reviews. Local insurers often excel at fast on-the-ground claims; global brands excel at cross-border claims. bricksconsultancy.com+1

4. Understand deductibles & co-insurance — a cheaper premium may hide a high deductible. For chronic health needs, small premium differences can become expensive later.

5. Verify regulatory standing — check the UAE insurance regulator and public rating agencies for any red flags. Local news outlets and insurer press releases can confirm major changes like rebrands and mergers (e.g., the Sukoon/Oman Insurance transition). Tracxn+1

6. Broker vs buying direct — brokers help compare many insurers quickly and can explain nuances. Make sure the broker is licensed and transparent about fees/commissions.

7. Read the fine print — maternity waiting periods, pre-existing condition clauses, coastal/act-of-god exclusions for property, and the fine print on “total loss” for motor are where surprises hide.

---

Quick comparison cheat-sheet (at-a-glance)

• Best for local strength & broad product range: Sukoon (Oman Insurance), Orient. Tracxn+1

• Best for health/EBP and Abu Dhabi residents: Daman, ADNIC. InsuranceMarket.ae+1

• Best for international households: Bupa Global, AXA/GIG Gulf. LinkedIn+1

• Best for specialist corporate risks: Allianz, Zurich, Tokio Marine. insurancepolicy.ae+1

• Best for Sharia-compliant cover: Watania, Takaful Emarat. Insurance UAE

---

Final checklist before you buy

• Are hospital lists (or repair shops for motor insurance) acceptable and nearby?

• Is the excess/deductible affordable if a claim occurs?

• What is the emergency overseas coverage and evacuation benefit (if health)?

• Can you file claims digitally? How long does payout take historically?

• Is there a 24/7 helpline in English (and Arabic, if you prefer)?

• Does the insurer frequently appear in UAE press or regulator announcements (rebrands, mergers, major ratings)? If yes, read those stories for context. bricksconsultancy.com+1

---

Want help choosing the right policy?

If you tell me which emirate you live in, the type of cover you need (health/motor/home/business), how many people you’re insuring and any special needs (pre-existing conditions, international travel, Sharia preference), I can:

• shortlist 3–4 policies that match your needs, and

• provide a side-by-side comparison of premiums, key exclusions, and provider networks (no waiting).

Drop your details and I’ll put together a focused comparison so you can pick the insurer you can actually trust. 😊

---

Sources & further reading

Key sources used to compile this list and verify company details: industry guides and recent market roundups, insurer profiles and regional insurance portals. For company-specific pages and latest product details please visit insurer websites directly; some helpful starting links I used are: industry roundups and company profiles for Sukoon/Oman Insurance, Orient Insurance, ADNIC, Daman and AXA/GIG.