Please Wait.....
Report
UAE Health And Medical Insurance - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)
Market Report I 2025-06-01 I 150 Pages I Mordor Intelligence
UAE Health And Medical Insurance Market Analysis
The UAE health and medical insurance market is valued at USD 9.34 billion in 2025 and is expected to reach USD 13.6 billion by 2030, expanding at a 7.80% CAGR during the forecast window. Mandatory employer-funded coverage taking effect in every emirate on 1 January 2025 sits at the heart of this expansion and is already visible in the 30.7% year-on-year jump in health premiums recorded in Q3 2024. Strong population growth among expatriates, high single-digit medical inflation, and rapid digitalization keep premiums on an upward trajectory. Insurers are sharpening product design around preventive wellness features that ease long-term cost pressure and deepen customer engagement. Consolidation among leading carriers, especially those able to invest in telehealth and AI-driven claims analytics, is intensifying competition while improving operational scale.
UAE Health And Medical Insurance Market Trends and Insights
Compulsory Health Coverage Enforcement Across All Emirates
Nationwide compulsion brings roughly 3 million additional residents into insured status, the bulk residing in Sharjah, Ajman, Ras Al Khaimah, Umm Al Quwain, and Fujairah. The government's basic package, priced at AED 320 (USD 87) per year, removes waiting periods for chronic diseases, compresses coverage disparities, and catalyzes premium inflows that may add close to USD 1 billion within the first policy cycle. As insurers re-price risk, product layers aimed at SMEs and low-income households gain prominence, especially in the Northern Emirates, where historic penetration lagged behind Dubai and Abu Dhabi.
Growing Expatriate Population and Employer-Sponsored Schemes
Expatriates account for 88.3% of residents; their ranks increase by roughly 3-4% annually. Employment packages offering beyond-basic coverage are central to talent retention, particularly within Dubai's expanding private sector. Multinationals are bundling wellness benefits such as mental health teleconsults and fertility services, elevating average premiums per employee. Uptake in Abu Dhabi mirrors this trend, supported by Thiqa-administered add-ons that appeal to senior expatriate staff. Spillover demand benefits the UAE health and medical insurance market as smaller firms mirror large-company benefit structures over the medium term.
Price-Regulated Essential Plans Compressing Underwriting Margins
Insurers are capping revenue growth with a basic annual premium of AED 320 (USD 87) but simultaneously broadening coverage to include a wider range of services. While copays of 20% for inpatient and 25% for outpatient visits help alleviate utilization pressures, surging pharmaceutical costs are eating into margin buffers, impacting overall profitability. In response, insurers are tiering networks, guiding policyholders to value-based providers, and pursuing mergers and acquisitions (M&A) to better manage administrative overhead and achieve operational efficiencies.
Other drivers and restraints analyzed in the detailed report include:
Digital Health Ecosystem Integration Driving Product Innovation / Medical Inflation Outpacing GDP and Lifting Premium Volumes / High Fraud & Abuse Incidence Inflating Loss Ratios /
For complete list of drivers and restraints, kindly check the Table Of Contents.
Segment Analysis
Group health products generated 70.3% of premium income in 2024, a dominance reinforced by the incoming nationwide mandate that makes employer coverage universal. The UAE health and medical insurance market size for group business is projected to expand at 7.51% CAGR, helped by corporate wellness add-ons and rising payroll counts in free-zone companies. Employers negotiating multi-year contracts lock in-network discounts, improving retention rates for top carriers.
Momentum in individual policies is visible as digital aggregators lower search and purchase friction. The segment's forecast 6.02% CAGR reflects growing health awareness among freelancers and dependents not covered by corporate schemes. Insurers differentiate through modular covers that include maternity, mental health, and international evacuation benefits. Tele-consultation vouchers and fitness app rewards deepen engagement and alleviate anti-selection risk.
Private insurers captured 65.2% of overall premiums in 2024, anchored by diversified product suites and extensive provider networks. They leverage data analytics to tailor underwriting and rapidly introduce app-based endorsements. The UAE health and medical insurance industry consolidates as larger entities acquire niche players to extend distribution and optimize claims administration.
Public or social programs such as Thiqa expand fastest at 12.43% CAGR, supported by federal funding that widens benefit baskets for citizens. Integration of e-prescription refills and preventive screening incentives improves utilization quality. The UAE health and medical insurance market size for public schemes is set to reach USD 4.3 billion by 2030, bridging equity gaps and easing crowded tertiary-care facilities.
The UAE Health and Medical Insurance Market is Segmented by Insurance Type (Individual, Group), by Service Provider (Private Health Insurance Providers, Public/Social Health Insurance Schemes), by Distribution Channel (Direct Sales, Online Sales, Brokers/Agents, and Banks), by End-User/Customer Type (Corporate/Employer, Individual/Families, and More), and Region. The Market Forecasts are Provided in Value (USD).
List of Companies Covered in this Report:
Daman / GIG Gulf (formerly AXA Gulf) / Abu Dhabi National Insurance Company (ADNIC) / Sukoon Insurance (formerly Oman Insurance Company) / MetLife / Cigna / Bupa Global / Orient Insurance / Takaful Emarat Insurance Company / Dubai Insurance Company (DIC) / Emirates Insurance Company (Eminsco) / Al Ain Ahlia Insurance Company / Al Sagr National Insurance Company (ASNIC) / Al Wathba National Insurance Company (AWNIC) / Alliance Insurance / National General Insurance Company (NGI) / Al Buhaira National Insurance Company (ABNIC) / Dubai National Insurance & Reinsurance P.S.C. (DNIRC) / Salama Islamic Arab Insurance Company (P.S.C.) / RAK Insurance (Ras Al Khaimah National Insurance Company) /
Additional Benefits:
The market estimate (ME) sheet in Excel format /
3 months of analyst support /
1 Introduction
1.1 Study Assumptions & Market Definition
1.2 Scope of the Study
2 Research Methodology
3 Executive Summary
4 Market Landscape
4.1 Market Overview
4.2 Market Drivers
4.2.1 Compulsory Health Coverage Enforcement Across All Emirates
4.2.2 Growing Expatriate Population and Employer-Sponsored Schemes
4.2.3 Digital Health Ecosystem Integration Driving Product Innovation
4.2.4 Medical Inflation Outpacing GDP and Lifting Premium Volumes Shift Toward Preventive-Wellness Riders
4.2.5 Post-COVID-19 Rise of Sharia-Compliant Takaful Health Products Among Nationals Market
4.3 Market Restraints
4.3.1 Price-Regulated Essential Plans Compressing Underwriting Margins
4.3.2 High Fraud & Abuse Incidence Inflating Loss Ratios
4.3.3 Fragmented Provider Billing Systems Hindering Cost Control
4.3.4 Frequent Regulatory Revisions Raising Compliance Costs
4.4 Value / Supply-Chain Analysis
4.5 Regulatory Landscape (DHA, HAAD, MoHAP, SCA, CBUAE)
4.6 Mandatory Health Insurance Laws (Dubai, Abu Dhabi)
4.7 Economic Impact of Healthcare and Insurance Sector
4.8 Porter's Five Forces
4.8.1 Bargaining Power of Limited Partners
4.8.2 Bargaining Power of General Partners
4.8.3 Threat of New Entrants
4.8.4 Threat of Substitutes (Public Markets, SPACs, Direct Lending)
4.8.5 Competitive Rivalry Among PE Firms
5 Market Size & Growth Forecasts (Value, USD)
5.1 By Insurance Type
5.1.1 Individual (Retail)
5.1.2 Group (Corporate)
5.2 By Service Provider
5.2.1 Private Health Insurance Providers
5.2.2 Public/Social Health Insurance Schemes (e.g., Thiqa)
5.3 By Distribution Channel
5.3.1 Direct Sales (Insurer Websites, Sales Force)
5.3.2 Online Sales (Aggregators, Comparison Websites)
5.3.3 Brokers/Agents
5.3.4 Banks (Bancassurance)
5.4 By End-User/Customer Type
5.4.1 Corporate/Employer (Group Plans)
5.4.2 Individual/Families
5.4.3 SME's (Small & Medium-sized Enterprises)
5.4.4 Others
5.5 By Geography
5.5.1 Dubai
5.5.2 Abu Dhabi
5.5.3 Northern Emirates (Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah, Fujairah)
6 Competitive Landscape
6.1 Market Concentration
6.2 Strategic Moves
6.3 Market Share Analysis
6.4 Company Profiles {(includes Global level Overview, Market level overview, Core Segments, Financials as available, Strategic Information, Market Rank/Share for key companies, Products & Services, and Recent Developments)}
6.4.1 Daman
6.4.2 GIG Gulf (formerly AXA Gulf)
6.4.3 Abu Dhabi National Insurance Company (ADNIC)
6.4.4 Sukoon Insurance (formerly Oman Insurance Company)
6.4.5 MetLife
6.4.6 Cigna
6.4.7 Bupa Global
6.4.8 Orient Insurance
6.4.9 Takaful Emarat Insurance Company
6.4.10 Dubai Insurance Company (DIC)
6.4.11 Emirates Insurance Company (Eminsco)
6.4.12 Al Ain Ahlia Insurance Company
6.4.13 Al Sagr National Insurance Company (ASNIC)
6.4.14 Al Wathba National Insurance Company (AWNIC)
6.4.15 Alliance Insurance
6.4.16 National General Insurance Company (NGI)
6.4.17 Al Buhaira National Insurance Company (ABNIC)
6.4.18 Dubai National Insurance & Reinsurance P.S.C. (DNIRC)
6.4.19 Salama Islamic Arab Insurance Company (P.S.C.)
6.4.20 RAK Insurance (Ras Al Khaimah National Insurance Company)
7 Market Opportunities & Future Outlook
7.1 White-space & Unmet-Need Assessment
- Not Sure / Need Reassuring
- Confirm Content
-
Content is provided by our partners and every effort is made to make Market Report details as clear as possible. If you are not sure the exact content you require is included in this study you can Contact us to double check. To do this you can:
Use the ‘? ASK A QUESTION’ below the license / prices and to the right of this box. This will come directly to our team who will work on dealing with your request as soon as possible.
Write to directly on support@scotts-international.com with details. Please include as much information as possible including the name of report or link so our staff will be able to work on you request.
Telephone us directly on 0048 603 394 346 and an experienced member of team will be on hand to answer.
-
- Sample Pages
-
With the vast majority of our partners we can obtain Sample Pages to support your decision. This is something we can arrange without revealing your personal details.
It is important to note that we will not be able to provide you the exact data or statistics such as Market Size and Forecasts. Sample pages usually confirm the layout or the Categories included in Charts and Graphs, excluding specific data.
To ask for Sample Pages by contact us through ‘? ASK A QUESTION’, support@scotts-international.com, or by telephoning 0048 603 394 346.
-
- Check for Alternatives
-
Whilst we try to make our online platform as easy to use as possible there is always the possibility that a better alternative has not been found in your search.
To avoid this possibility Contact us through ‘? ASK A QUESTION’, support@scotts-international.com, or by telephoning 0048 603 394 346 and a Senior Team Member can review your requirements and send a list of possibilities with opinions and recommendations.
-
- Confirm Content
- Prices / Formats / Delivery
- Prices
-
All prices are set by our partners and should be exactly the same as those listed on their own websites. We work on a Revenue share basis ensuring that you never pay more than what is offered elsewhere.
Should you find the price cheaper on another platform we recommend you to Contact us as we should be able to match this price. You can Contact us though through ‘? ASK A QUESTION’, support@scotts-international.com, or by telephoning 0048 603 394 346.
-
- Discounts
-
As we work in close partnership with our Partners from time to time we can secure discounts and assist with negotiations, this is part of our personalised service to you.
Discounts can sometimes be arranged for speedily placed orders; multiple report purchases or Higher License purchases.
To check if a Discount is possible please Contact our experienced team through ‘? ASK A QUESTION’, support@scotts-international.com, or by telephoning 0048 603 394 346.
-
- Available Currencies
-
Most Market Reports on our platform are listed in USD or EURO based on the wishes of our Partners. To avoid currency fluctuations and potential price differentiations we do not offer the possibility to change the currency online.
Should you wish to pay in a different currency to that advertised online we do accept payments in USD, EURO, GBP and PLN. The price will be calculated based on the relevant exchange rate taken from our National Bank.
To pay in a different above currency to that advertised online please Contact our team and a quotation will be sent within a couple of hours with payment details.
-
- Licenses
-
License options vary from Partner to Partner as is usually based on the number of Users that will benefitting from the report. It is very important that License ordered is not breached as this could have potential negative consequences for you individually or your employer.
If you have questions or need confirmation about the specific license we recommend you to Contact us and a detailed explanation will be provided.
-
- Global Site License
-
The Global Site License is the most comprehensive license available. By selecting this license, the Market Report can be shared with other ‘Allowed Users’ and any other member of staff from the same organisation regardless of geographic location.
It is important to note that this may exclude Parent Companies or Subsidiaries.
If you have questions or need confirmation about the specific license we recommend you to Contact us and a detailed explanation will be provided.
-
- Formats
-
The most common format is PDF, however in certain circumstances data may be present in Excel format or Online, especially in the case of Database or Directories. In addition, for certain higher license options a CD may also be provided.
If you have questions or need clarification about the specific formats we recommend you to Contact us and a detailed explanation will be provided.
-
- Delivery
-
Delivery is fulfilled by our partners directly. Once an order has been placed we inform the partner by sharing the delivery email details given in the order process.
Delivery is usually made within 24 hours of an order being placed, however it may take longer should your order be placed prior to the weekend or if otherwise specified on the Market Report details page. Additionally, if details have been not fully completed in the Order process a delay in delivery is possible.
If a delay in delivery is expected you will be informed about it immediately.
-
- Shipping Charges
-
As most Market Reports are delivered in PDF format we almost never have to add additional Shipping Charges. If, however you are ordering a Higher License service or a specific delivery format (e.g. CD version) charges may apply.
If you are concerned about additional Shipping Charges we recommend you to Contact us to double check.
-
- Prices
- Ordering
- By Credit Card
-
We work in Partnership with PayU to ensure payments are made securely in a fast and effortless way. PayU is the e-payments division of Naspers.
Naspers operates in over 133 International Markets and ranks 3rd Globally in terms of the number of e-commerce customers served.
For more information on PayU please visit: https://www.payu.pl/en/about-us
-
- By Money Transfer
-
If you require an invoice prior to payment, this is possible. To ensure a speedy delivery of the Market Report we require all relevant company details and you agree to maximum payment terms of 30 days from receipt of order.
With our regular clients deliver of the Market Report can be made prior to receiving payment, however in some circumstances we may ask for payment to be received before arranging for the Market Report to be delivered.
-
- By Credit Card
- Security
- Website security
-
We have specifically partnered with leading International companies to protect your privacy by using different technologies and processes to ensure security.
Everything submitted to Scotts International is encrypted via SSL (Secure Socket Layer) and all personal information provided to Scotts International is stored on computer systems with limited access in controlled environments.
-
- Credit Card Security
-
We partner with PayU (https://www.payu.pl/en/about-us) to ensure all credit card payments are made securely in a fast and effortless way.
PayU offers 250+ various payment channels and eWallet services across 4 continents allowing buyers to pay electronically, whether on a computer or a mobile device.
-
- Website security