Dubai is one of the world’s fastest-growing financial and business hubs. With its thriving economy, diverse population, and world-class infrastructure, the need for reliable insurance services is higher than ever. From health and car insurance to property and business coverage, insurance companies in Dubai provide a wide range of solutions to meet the needs of both locals and foreigners.
If you are moving to Dubai, investing in business, or simply looking for a trustworthy insurer, it’s important to choose a company that is licensed by the Central Bank of the UAE and known for its financial stability. To make your search easier, here is a list of the top 10 insurance companies in Dubai that are popular among expatriates and residents alike.
1. AXA Gulf (now GIG Gulf)
AXA Gulf, now rebranded as GIG Gulf, is one of the most recognized insurance providers in the Middle East. It offers a wide range of products including health, car, home, travel, and life insurance. Known for its international standards and strong customer support, AXA is particularly popular among foreigners who want global health coverage. Its extensive network of hospitals and clinics across Dubai makes it a convenient choice.
2. Oman Insurance Company (OIC)
Founded in 1975, Oman Insurance Company is one of the oldest and most respected insurers in the UAE. With services ranging from health and motor insurance to corporate solutions like marine and engineering insurance, OIC is trusted by both individuals and businesses. It has partnerships with international insurers to provide expatriates with global health plans, making it a reliable choice for foreigners living in Dubai.
3. RSA Insurance Dubai
RSA Insurance is a leading global brand with a strong presence in Dubai. It specializes in motor, home, travel, and health insurance. Known for its straightforward policies and responsive customer service, RSA is favored by expatriates who want simple yet comprehensive insurance options. Its easy online claims process also makes it user-friendly for international residents who are new to Dubai’s systems.
4. Abu Dhabi National Insurance Company (ADNIC)
ADNIC is one of the largest and most financially stable insurance companies in the UAE. Though headquartered in Abu Dhabi, it has a strong presence in Dubai. ADNIC offers a wide range of health and general insurance plans. Its flexible medical insurance products, designed for both individuals and large corporations, are especially useful for expats who need comprehensive coverage for their families.
5. Orient Insurance
A part of the Al-Futtaim Group, Orient Insurance is one of the most trusted names in Dubai’s insurance sector. Established in 1982, it offers health, life, motor, property, and liability insurance. It has consistently received high ratings from international agencies such as A.M. Best, reflecting its financial strength. Foreigners appreciate Orient for its affordable health insurance plans that meet the Dubai Health Authority (DHA) requirements.
6. Tokio Marine & Nichido Fire Insurance Co.
A Japanese multinational, Tokio Marine has been operating in the UAE for decades. It offers a wide range of insurance products including motor, health, marine, and corporate insurance solutions. Its global reputation for quality service makes it a favorite among foreign businesses in Dubai. The company’s health insurance packages are designed with expatriates in mind, ensuring international coverage and access to premium hospitals.
7. Dubai National Insurance & Reinsurance (DNIR)
Established in 1991, DNIR provides health, motor, marine, and property insurance services. It is one of the first publicly listed insurance companies in the UAE. DNIR is known for its financial stability and prompt claims processing. For expatriates, DNIR offers customized health and travel insurance solutions, which makes it easier to relocate and settle in Dubai with peace of mind.
8. MetLife UAE
MetLife is a global insurance leader with a strong presence in Dubai. It focuses on life insurance, savings, retirement, and employee benefits. Foreigners working in Dubai often choose MetLife for its long-term savings and investment plans. Its flexible life insurance policies cater to both individuals and corporate clients, making it an ideal choice for expats planning their financial future in the UAE.
9. Noor Takaful (now Dar Al Takaful)
For those seeking Sharia-compliant insurance, Noor Takaful (merged with Dar Al Takaful) is a top provider in Dubai. It offers health, motor, travel, and family Takaful plans. Many foreigners, especially from Muslim countries, prefer Noor Takaful for its ethical and transparent Islamic insurance model. The company is well-regulated and provides competitive packages that meet DHA’s minimum health insurance requirements.
10. Salama Islamic Arab Insurance Company
Salama is one of the world’s largest and oldest Sharia-compliant Takaful companies. Established in 1979, it has a strong reputation for ethical insurance solutions. Salama offers family, health, motor, and travel Takaful products. It is highly regarded by both locals and expatriates for its transparency and wide range of affordable plans. Its international recognition makes it especially appealing to foreigners who want reliable coverage.
Why Foreigners Need Reliable Insurance in Dubai
For foreigners living in Dubai, insurance is more than just a legal requirement—it’s a necessity for peace of mind. Health insurance is mandatory for all residents, and without it, visa renewals are not possible. Motor insurance is required by law for car owners, while travel insurance is recommended for frequent flyers. Many expats also opt for life and savings insurance to secure their family’s financial future.
The companies listed above not only comply with Dubai’s strict regulatory requirements but also offer flexible policies designed to meet the diverse needs of an international population.
Final Thoughts
Dubai is home to a wide variety of insurance providers, but only a handful combine strong financial stability, international standards, and excellent customer service. Companies like AXA (GIG Gulf), Oman Insurance, and Orient Insurance have established themselves as household names, while global players like MetLife and Tokio Marine bring international expertise to the local market.
For expatriates, choosing the right insurer depends on personal needs—whether that’s global health coverage, Sharia-compliant Takaful, or long-term financial planning. By selecting from the top 10 insurance companies in Dubai, foreigners and residents alike can enjoy reliable protection, peace of mind, and world-class service in one of the most dynamic cities in the world.
