Salama
Salama is the brand of Islamic Arab Insurance Co. (Salama) PJSC, a Dubai takaful company, which means it sells Islamic insurance. It was established in 1979 and is listed on the Dubai Financial Market. It sells health, motor, life, home and travel cover.
Salama's audited accounts say it was in non-compliance with solvency regulations during 2025 and was AED 41.2 million short of its solvency capital requirement at 31 December 2025. At 30 June 2026 it reported a surplus of AED 111.6 million over that requirement, after raising AED 155 million through a sukuk that converted into shares. Its accounts to 30 September 2026 repeat the June figures because the September solvency position was not yet final.45
Out of 5 from 2,345 Google reviews across 2 offices
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Salama
Salama averages 3.5 out of 5 across 2,345 Google reviews of its UAE offices, read 11 Nov 2026. Those reviews cover everything it sells, not only health insurance.
Read the Google reviews for each office
| Office | Rating | Reviews |
|---|---|---|
| Block A, 4th Floor, Sheikh Rashid Rd, Oud Metha, Dubai | 3.4 | 1,625 |
| Makeen Tower, 101 First Floor, Al Zahiyah, Abu Dhabi | 3.7 | 720 |
Salama health insurance
Salama's site lists two kinds of individual health takaful: a Basic plan, which is the Dubai Essential Benefits Plan, and Individual plans with an annual limit of AED 150,000 to AED 1 million. Its MediShield plan document gives an annual limit of AED 1 million and uses the NextCare network.
| Plan | Type | What it is |
|---|---|---|
| Basic (Essential Benefits Plan) | Dubai Essential Benefits Plan | Annual limit AED 150,000. Basic healthcare in the emirate of Dubai, with emergency treatment limited to the UAE.6 |
| MediShield by Salama | International plan | Annual limit AED 1 million. Worldwide cover. A network of 4,000+ hospitals and clinics, run through NextCare. The plan document is dated January 2025.7 |
| Cover | With this insurer | Details |
|---|---|---|
| Annual limit | Depends on plan | AED 150,000 on the Basic plan. Salama's page gives AED 150,000 to AED 1 million for individual plans.6 |
| Area of cover on the Basic plan | Included | The emirate of Dubai, with emergency treatment limited to the UAE.6 |
| Area of cover on MediShield | Included | Worldwide.7 |
| Network on MediShield | Included | MediShield uses NextCare, with 4,000+ hospitals and clinics.7 |
| Pre-existing and chronic conditions on the Basic plan | Depends on plan | Excluded for the first 6 months, then included.6 |
| Pre-existing and chronic conditions on MediShield | Depends on plan | Up to AED 150,000 a year. A 6-month waiting period applies to your first scheme membership unless you show evidence of continuous cover.7 |
| Direct billing | Included | Salama states direct billing with 4,000 providers in the UAE.6 |
| Reimbursement on MediShield | Included | Inside the network, a claim you pay yourself is settled at 80% of the network's usual and customary rates. Outside the network it is 100% of actual cost or network rates, whichever is less, where Nextcare is absent, and 80% where Nextcare is present.7 |
More cover details (6)
| Cover | With this insurer | Details |
|---|---|---|
| Medicines on the Basic plan | Included | Salama's page gives an annual limit of AED 1,500, with 30% coinsurance on every prescription.6 |
| Inpatient coinsurance on the Basic plan | Included | You pay 20%, capped at AED 500 per encounter and AED 1,000 a year.6 |
| Medicines on MediShield | Depends on plan | Up to AED 15,000 with a 15% co-pay. The limit depends on the plan you choose.7 |
| Dental on MediShield | Depends on plan | Up to AED 3,000 with a 20% co-pay. The limit depends on the plan you choose.7 |
| Optical on MediShield | Included | Up to AED 1,500 with a 20% co-pay.7 |
| Doctor consultations on MediShield | Included | You pay 20% up to AED 50. A nil co-pay option is available.7 |
Published prices
- The Dubai Health Authority lists an index rate of 721, including Basmah and VAT, for Salama's Essential Benefits Plan, as of 11 November 2026.17
Check before you buy
- The online application page that the Dubai Health Authority lists for Salama's Essential Benefits Plan, essential-benefit-plan.salama.ae/health, was not working on 11 November 2026. Call 800 725262 to ask how to apply.17
- On the Basic plan, chronic and pre-existing conditions are excluded for the first 6 months.6
- On MediShield, physiotherapy is up to 20 sessions a year and needs pre-approval. The number of sessions depends on the plan you choose.7
Policy documents
- MediShield by Salama plan summaryPlan document, 2025
- Health claim forms for NAS, MedNet, Neuron and NextCareInsurer page
- NextCare health claim formClaim form
How to claim with Salama
- Claims emailcustomer.support@salama.ae
- Claim onlineOpen claim page
Steps
- Salama's forms page does not say how long you have to send a claim. Ask on 800 725262 before you pay for treatment.9
Not happy with a claim? Complain to Salama at complaints@salama.ae first. How to complain about a health insurer.
About Salama
- Legal name
- Islamic Arab Insurance Co. (Salama) PJSC
- Founded
- 29 April 19791
- Type
- Takaful (Islamic insurance) company writing general and family takaful4
- Owner
- A listed company. Eshraq Investments PJSC and Humana Holding Limited subscribed in full to the AED 155 million sukuk that converted into Salama shares in 2026.13
- Listed on
- Dubai Financial Market, symbol SALAMA, listed 16 September 20051
- Headquarters
- Spectrum Building, Oud Metha, Sheikh Rashid Road, Dubai8
- UAE branches
- A head office in Dubai, plus branches in Abu Dhabi and Sharjah.8
- Also sells
- Motor, Life, Savings and investments, Home, Travel11
- Central Bank
- Listed in the Central Bank of the UAE register, September 2026, number 172
Financial strength
Salama was AED 41.2 million short of its solvency capital requirement at 31 December 2025 and reported a surplus of AED 111.6 million at 30 June 2026. The 154% solvency ratio for 30 June 2026 is the company's own figure.
Recent news
- Salama reports a solvency ratio of 154% at 30 June 2026
The company reported a solvency surplus of AED 111.6 million at 30 June 2026 and takaful insurance revenue of AED 469.7 million for the first half.12
- S&P affirms BBB- with a developing outlook
S&P said Salama raised about AED 155 million in the first quarter of 2026, which helped it resolve its solvency deficit, and that its exposure to Algeria and Egypt remains elevated.15
- Salama says its capital restructuring is complete
The company said it had restored its solvency position to a fully compliant level in line with Central Bank requirements.13
- Salama reports 2025 net profit of AED 11.1 million
The company announced preliminary results for the year ended 31 December 2025.14
- Capital reduction takes effect on the Dubai Financial Market
Shareholders approved a capital reduction of AED 456.6 million on 16 October 2025 to offset accumulated losses.4
Contact Salama
- Phone, from outside the UAE+971 4 3577000
- Toll free800 725262
- Emailinfo@salama.ae
- Complaints emailcomplaints@salama.ae
- ComplaintsOpen complaints page
- Hours9 am to 6 pm, Monday to Friday
- Head office4th Floor, Block A, Spectrum Building, Oud Metha, Sheikh Rashid Road, P.O. Box 10214, Dubai
Branches (2)
| Branch | Address | Phone |
|---|---|---|
| Abu Dhabi Branch | Makeen Tower, Office #101, First Floor, Tourism Club Area, Al Zahiya, P.O. Box 7688, Abu Dhabi | |
| Sharjah Branch | 2nd Floor, Mega Mall, next to DU office, Sharjah |
Common questions
Is Salama insurance good?
S&P affirmed Salama's BBB- rating with a developing outlook on 24 April 2026. Its audited accounts say it did not comply with solvency regulations during 2025 and was AED 41.2 million short of its solvency capital requirement at 31 December 2025. At 30 June 2026 it reported a surplus of AED 111.6 million. Read its latest accounts and recent customer reviews before you decide.5
What do Salama insurance reviews say?
On Google, Salama's head office in Dubai averages 3.4 out of 5 from 1,625 reviews and its Abu Dhabi branch 3.7 from 720, as of 11 November 2026. Together that is 3.5 out of 5 across 2,345 reviews. The reviews cover everything Salama sells, so read recent ones that mention health claims.
What does Salama medical insurance cover?
Salama's site lists a Basic plan and Individual plans. The Basic plan is the Dubai Essential Benefits Plan, with an annual limit of AED 150,000 and cover in the emirate of Dubai. The Individual plans have an annual limit of AED 150,000 to AED 1 million and direct billing with 4,000 providers in the UAE.6
How do I claim on Salama health insurance?
Download the health claim form for the administrator on your policy, NAS, MedNet, Neuron or NextCare, from salama.ae/forms. Send the completed form to customer.support@salama.ae. The forms page gives no deadline, so ask on 800 725262.9
How do I complain about Salama health insurance?
Email complaints@salama.ae or call 800 725262. Salama says it aims to resolve a complaint within 7 working days, and you can appeal to appeal@salama.ae. If you are still unhappy, or wait more than 15 working days, Salama's page says you can go to the Dubai Health Authority on 800 342 for Dubai health takaful, the Department of Health for Abu Dhabi health takaful, or Sanadak.8
Does Salama sell the Dubai Essential Benefits Plan?
Yes. The Dubai Health Authority lists Islamic Arab Insurance Company (Salama) as a participating insurer for the Essential Benefits Plan, with an index rate of 721 including Basmah and VAT, as of 11 November 2026.17
Sources
17
1Dubai Financial Market, SALAMA company profile. Last checked 11 Nov 2026. Source document: SALAMA company profile
2Central Bank of the UAE, CB Register September of 2026. Last checked 11 Nov 2026. Source document: CB Register September of 2026
3Dubai Health Authority (ISAHD), Permitted Insurers. Last checked 11 Nov 2026. Source document: Permitted Insurers
4Salama, Consolidated financial statements for the year ended 31 December 2025. Last checked 11 Nov 2026. Source document: Consolidated financial statements for the year ended 31 December 2025
5Salama, Interim condensed consolidated financial statements, 30 September 2026 (unaudited). Last checked 11 Nov 2026. Source document: Interim condensed consolidated financial statements, 30 September 2026 (unaudited)
6Salama, Health Takaful. Last checked 11 Nov 2026. Source document: Health Takaful
7Salama, MediShield by Salama (NextCare). Last checked 11 Nov 2026. Source document: MediShield by Salama (NextCare)
8Salama, Contact. Last checked 11 Nov 2026. Source document: Contact
9Salama, Forms. Last checked 11 Nov 2026. Source document: Forms
10Salama, Health claim form, NextCare. Last checked 11 Nov 2026. Source document: Health claim form, NextCare
11Salama, Home page. Last checked 11 Nov 2026. Source document: Home page
12Salama, SALAMA Reports AED 28.3m H1 2026 Profit as Solvency Reaches 154%. Last checked 11 Nov 2026. Source document: SALAMA Reports AED 28.3m H1 2026 Profit as Solvency Reaches 154%
13Salama, SALAMA Completes Restructuring, Restores Financial Strength, Shifts to Growth. Last checked 11 Nov 2026. Source document: SALAMA Completes Restructuring, Restores Financial Strength, Shifts to Growth
14Salama, SALAMA Reports strong improvement in Full-Year 2025 Results With Reinforced Capital Position. Last checked 11 Nov 2026. Source document: SALAMA Reports strong improvement in Full-Year 2025 Results With Reinforced Capital Position
15S&P Global Ratings, Salama/Islamic Arab Insurance Co. P.S.C. 'BBB-' Ratings Affirmed; Outlook Developing. Last checked 11 Nov 2026. Source document: Salama/Islamic Arab Insurance Co. P.S.C. 'BBB-' Ratings Affirmed; Outlook Developing
16AM Best, A.M. Best Withdraws Ratings of Islamic Arab Insurance Co. (Salama). Last checked 11 Nov 2026. Source document: A.M. Best Withdraws Ratings of Islamic Arab Insurance Co. (Salama)
17Dubai Health Authority (ISAHD), DHA Participating Insurers Results. Last checked 11 Nov 2026. Source document: DHA Participating Insurers Results
- Owner
- Medicalinsurance.ae research team
- Last review
- Next review due
- 10 May 2027
- Status
- Published