Sukoon Insurance
Sukoon Insurance is a Dubai insurer established in 1975. It was called Oman Insurance Company until its legal name changed, which it announced on 10 January 2024. It is a subsidiary of Mashreq Bank and its shares are listed on the Dubai Financial Market.
Out of 5 from 3,592 Google reviews across 7 offices
- App Store4.1802 ratings
- Google Play4.52,834 ratings
- Trustpilot1.674 ratings
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Sukoon Insurance
Sukoon Insurance averages 3.9 out of 5 across 3,592 Google reviews of its UAE offices, read 11 Nov 2026. Offices range from 1.8 to 4.5. Those reviews cover everything it sells, not only health insurance.
Read the Google reviews for each office
Sukoon Insurance health insurance
Sukoon sells two groups of individual health plan: HealthPlus, with six plans from AED 150,000 to AED 5 million a year, and its DHA plans for Dubai visa holders. Sukoon says it handles administration and claims in-house.
| Plan | Type | What it is |
|---|---|---|
| HealthPlus Prime | International plan | Annual limit AED 5,000,000. Planned and emergency treatment worldwide except the USA and Canada, with emergency treatment worldwide. Premium network.6 |
| HealthPlus Pro | International plan | Annual limit AED 3,000,000. Planned and emergency treatment worldwide except the USA and Canada, with emergency treatment worldwide. Edge network.6 |
| HealthPlus Max | International plan | Annual limit AED 500,000. Planned and emergency treatment worldwide except the USA and Canada, with emergency treatment worldwide. Signature + Medcare network.6 |
| HealthPlus Home | Regional plan | Annual limit AED 250,000. Planned and emergency treatment in the UAE, Arab countries and Southeast Asia, with emergency treatment worldwide. Signature network.6 |
| HealthPlus Home Lite | Regional plan | Annual limit AED 250,000. Planned and emergency treatment in the UAE, Arab countries and Southeast Asia, with emergency treatment worldwide. Advance network.6 |
| HealthPlus Safe | Regional plan | Annual limit AED 150,000. Planned and emergency treatment in the UAE, Arab countries and Southeast Asia. No emergency cover beyond that area. Vital network. 20% inpatient coinsurance.6 |
| DHA Easy | Dubai Essential Benefits Plan | For individual employees and domestic workers with a Dubai visa who earn AED 4,000 a month or less and have no employer scheme. Annual limit AED 150,000. Covers the emirate of Dubai, with emergency treatment across the UAE. Vital Eco network.11 |
| DHA Family Plus | Dubai plan | Sukoon lists this plan with its own table of benefits on its downloads page.12 |
| DHA Family Enhanced | Dubai plan | Sukoon lists this plan with its own table of benefits on its downloads page.12 |
| Cover | With this insurer | Details |
|---|---|---|
| Annual limit on HealthPlus | Depends on plan | AED 5,000,000 on Prime, AED 3,000,000 on Pro, AED 500,000 on Max, AED 250,000 on Home and Home Lite, and AED 150,000 on Safe.6 |
| Area of cover on HealthPlus | Depends on plan | Prime, Pro and Max cover planned treatment worldwide except the USA and Canada. Home, Home Lite and Safe cover the UAE, Arab countries and Southeast Asia. Every plan except Safe adds emergency treatment worldwide.6 |
| Claims administrator | Included | Sukoon states that administration and claims are internal.8 |
| Direct billing | Included | Sukoon states direct billing at 3,500+ medical providers.8 |
| Maternity on HealthPlus | Depends on plan | Normal delivery up to AED 25,000 on Prime, AED 20,000 on Pro and Max, and AED 10,000 on Home and Home Lite. The Safe column shows 7,000 / 10,000.6 |
| Pre-existing conditions on HealthPlus | Included | A limit of AED 150,000 on all six plans, inside and outside the UAE, subject to exclusions.6 |
| Reimbursement | Included | Paid at the customary prices of your network, less your deductible and coinsurance. Send the claim form within 120 days of treatment.9 |
| Outpatient consultations on HealthPlus | Included | 10% deductible or coinsurance on all six plans.6 |
More cover details (7)
| Cover | With this insurer | Details |
|---|---|---|
| Dental on HealthPlus | Depends on plan | AED 4,000 on Prime, AED 2,000 on Pro, AED 1,000 on Max and Home, and AED 500 on Home Lite and Safe. Coinsurance is 20%, or 30% on Home Lite and Safe.6 |
| Telehealth on HealthPlus | Depends on plan | The HealthPlus table shows TruDoc telehealth consultations as covered on all six plans, under its optional benefits heading.6 |
| Direct billing abroad | Depends on plan | Sukoon says international direct billing is managed by its network partner MSH International.7 |
| Pre-existing and chronic conditions on DHA Easy | Depends on plan | A 6-month waiting period from your first enrolment. It does not apply if you were insured before and can show proof of that cover.11 |
| Maternity on DHA Easy | Depends on plan | Inpatient maternity up to AED 10,000 per normal delivery or C-section. Maternity cover is subject to disclosure and individual underwriting.11 |
| Inpatient coinsurance on DHA Easy | Included | You pay 20%, capped at AED 500 per encounter and AED 1,000 a year.11 |
| Network on the DHA plans | Included | Sukoon states a network of over 500 hospitals and clinics and 1,500 pharmacies with direct settlement.7 |
Published prices
- Sukoon's DHA plans page says cover starts at AED 635 per person per year, as of 11 November 2026.7
- Its online purchase page gives AED 635 per person per year for domestic help, excluding VAT, taxes and levies.10
- The Dubai Health Authority lists an index rate of 679, including Basmah and VAT, for Sukoon's Essential Benefits Plan, as of 11 November 2026.18
- HealthPlus has no published price table. Sukoon gives indicative rates on its website or portal. They exclude VAT and the policy fee, and can change after Sukoon reviews your medical application form.6
Check before you buy
- DHA Easy is only for individual employees and domestic workers with a Dubai visa who earn AED 4,000 a month or less and are outside an employer scheme.11
- On DHA Easy, inpatient care at the listed hospitals needs pre-authorisation, and diagnostic tests need prior approval.11
- Sukoon says the HealthPlus benefits on its page are illustrative, and the exact cover can vary with the rules of each emirate.6
- HealthPlus Safe has no emergency cover outside the UAE, Arab countries and Southeast Asia.6
Policy documents
- DHA plans table of benefitsTable of benefits
- Individual health downloads: HealthPlus fact sheet, DHA plan tables and network listsInsurer page, 2026
- Medical reimbursement claim formClaim form
How to claim with Sukoon Insurance
- Claim onlineOpen claim page
Steps
- Download the medical reimbursement claim form. You and the attending doctor both fill it in, one form for each visit or course of treatment.9
- Gather the documents listed here and keep a copy of everything you send.9
- Submit the completed form on the mySukoon portal or app. You can also hand it in at a branch, send it through your broker, or courier it to Medical Claims Department, Sukoon, Omar Bin Al Khattab Street, next to Al Ghurair Mall, Deira, PO Box 5209, Dubai.9
- Each person makes their own claim, so family members apply one by one.9
Documents to have ready
- Send the form within 120 days of the treatment.9
- Sukoon says it will try to pay eligible claims within 3 weeks of receiving the form.9
- Sukoon needs the original documents for claims over AED 5,000 abroad or AED 10,000 in the UAE.9
Not happy with a claim? Complain to Sukoon Insurance at complaints@sukoon.com first. How to complain about a health insurer.
About Sukoon Insurance
- Legal name
- Sukoon Insurance PJSC
- Founded
- 27 August 19751
- Type
- Conventional insurer, listed by the Central Bank of the UAE as a national insurance company. Sukoon Takaful PJSC has its own entry in the register.4
- Owner
- A subsidiary of Mashreq Bank, which holds 64.76% of the shares according to the 2025 integrated report.3
- Listed on
- Dubai Financial Market, symbol SUKOON, listed 1 October 20041
- Headquarters
- Omar Bin Al Khattab Street, next to Al Ghurair Mall, Deira, Dubai13
- UAE branches
- Seven UAE offices: the Deira head office, a back office in Dubai Outsource Zone and an Al Ghusais office in Dubai, plus Abu Dhabi, Sharjah, Ajman and Ras Al Khaimah.13
- Also sells
- Motor, Home, Travel, Life, Personal accident8
- Previous name
- Oman Insurance Company P.S.C., until Jan 20242
- Central Bank
- Listed in the Central Bank of the UAE register, September 2026, number 94
Financial strength
The 275% solvency ratio is the figure Sukoon gives in its 2025 integrated report. Sukoon says gross written premium passed AED 7 billion in 2025. The S&P date is the day Sukoon announced the rating, and the Moody's date comes from an MT Newswires report.
Recent news
- Moody's affirms Sukoon's A2 rating
MT Newswires reported that Moody's confirmed Sukoon's A2 insurance financial strength rating with a stable outlook.17
- S&P reaffirms Sukoon's A rating
Sukoon announced that S&P Global Ratings reaffirmed its A issuer credit and insurer financial strength ratings with a stable outlook.16
- Sukoon reports its 2025 results
Sukoon said gross written premium passed AED 7 billion in 2025, up 19% on the year before.15
- Oman Insurance Company becomes Sukoon Insurance PJSC
The company said the legal name change has no effect on existing policies or cover.2
Contact Sukoon Insurance
- Phone+971 4 233 7777
- Toll free800 785666
- Toll free, DHA plan enquiries and enrolment800 1642
- Emailservice@sukoon.com
- Complaints emailcomplaints@sukoon.com
- ComplaintsOpen complaints page
- HoursBranches: Monday to Friday, 8 am to 5 pm. The DHA plan table of benefits gives the 800 785666 line as Monday to Friday 8:00 am to 8:00 pm and Saturday 8:00 am to 5:00 pm.
- Head officeOmar Bin Al Khattab Street, next to Al Ghurair Mall, Deira, P.O. Box 5209, Dubai
Branches (6)
| Branch | Address | Phone |
|---|---|---|
| Back Office | Injaz Building, Block Number 1, 2nd Floor, Dubai Outsource Zone, Dubai | 800 785666 |
| Al Ghusais (a subsidiary of Sukoon Insurance) | Al Ghusias Plaza Building, Office Number 210 & 211, 2nd Floor, Equator Office, P.O. Box 5209, Dubai | 800 785666 |
| Abu Dhabi | Salam Street, Al Markaziyah, Sheikh Nahyan Bin Khalifa Bldg. 126, P.O. Box 3335, Abu Dhabi | 800 785666 |
| Sharjah Branch (Life Agency and Motor Claims Centre) | Al Khan Corniche, Majestic Tower, Ground Floor, P.O. Box 1931, Sharjah | 800 785666 |
| Ajman | Al Refaa 1 Building, Sheikh Khalifa Bin Zayed Road, Al Nuaima 3, Ground Floor, Ajman | 800 785666 |
| Ras Al Khaimah | Al Nakheel, Julphar Tower, 37th Floor (Office Building), Ras Al Khaimah | 800 785666 |
Common questions
Is Oman Insurance now Sukoon?
Yes. Oman Insurance Company P.S.C. changed its legal name to Sukoon Insurance PJSC, announced on 10 January 2024. It first showed the Sukoon brand in October 2022. The company said the name change has no effect on existing policies or cover.2
Does Oman Insurance still sell health insurance in the UAE?
Yes, under the Sukoon name. Sukoon sells HealthPlus, with six plans from AED 150,000 to AED 5,000,000 a year, and DHA plans for Dubai visa holders. For the DHA plans, Sukoon says to call 800 1642 for more information and to enrol by phone.7
Is there an Oman Insurance health insurance price list?
Sukoon's DHA plans page says cover starts at AED 635 per person per year, and the online purchase page gives AED 635 for domestic help before VAT, taxes and levies, as of 11 November 2026. For HealthPlus, Sukoon gives indicative rates on its website or portal, before VAT and the policy fee.7
What is the Oman Insurance Company contact number?
The company is now Sukoon. Customer service is 800 SUKOON (800 785666) and general enquiries go to service@sukoon.com. Branches open Monday to Friday, 8 am to 5 pm.13
How do I get my Sukoon health insurance card?
Sukoon says you should be fine without your physical card. Providers can check your cover with your Emirates ID or the eCard on the mySukoon portal or app. If you do not know your card number, Sukoon says it is in your onboarding email, or you can call 800 SUKOON (785666).7
How long do I have to claim reimbursement from Sukoon?
Sukoon asks for the claim form within 120 days of the treatment. It says it will try to pay eligible claims within 3 weeks of receiving the form. You are reimbursed at the customary prices of your network, less any deductible and coinsurance.9
How do I complain about Sukoon health insurance?
Write to complaints@sukoon.com. Sukoon emails you a complaint reference number. Its complaints policy says you can then escalate to Sanadak on 800 SANADAK (7262325) or at sanadak.gov.ae.14
Sources
21
1Dubai Financial Market, Sukoon Insurance PJSC company profile. Last checked 11 Nov 2026. Source document: Sukoon Insurance PJSC company profile
2Sukoon Insurance, Oman Insurance Company P.S.C. changes legal name to Sukoon Insurance PJSC. Last checked 11 Nov 2026. Source document: Oman Insurance Company P.S.C. changes legal name to Sukoon Insurance PJSC
3Sukoon Insurance, Integrated Report 2025. Last checked 11 Nov 2026. Source document: Integrated Report 2025
4Central Bank of the UAE, CB Register September of 2026. Last checked 11 Nov 2026. Source document: CB Register September of 2026
5Dubai Health Authority (ISAHD), Permitted Insurers. Last checked 11 Nov 2026. Source document: Permitted Insurers
6Sukoon Insurance, HealthPlus. Last checked 11 Nov 2026. Source document: HealthPlus
7Sukoon Insurance, DHA Essential Benefits Plan (EBP) in Dubai. Last checked 11 Nov 2026. Source document: DHA Essential Benefits Plan (EBP) in Dubai
8Sukoon Insurance, Health Insurance. Last checked 11 Nov 2026. Source document: Health Insurance
9Sukoon Insurance, Health Insurance Claim Assistance. Last checked 11 Nov 2026. Source document: Health Insurance Claim Assistance
10Sukoon Insurance, Essential Benefits Plan details and online purchase. Last checked 11 Nov 2026. Source document: Essential Benefits Plan details and online purchase
11Sukoon Insurance, DHA Easy Plan Table of Benefits. Last checked 11 Nov 2026. Source document: DHA Easy Plan Table of Benefits
12Sukoon Insurance, Downloads, individual health. Last checked 11 Nov 2026. Source document: Downloads, individual health
13Sukoon Insurance, Sukoon Insurance Branches in UAE. Last checked 11 Nov 2026. Source document: Sukoon Insurance Branches in UAE
14Sukoon Insurance, Explore Our Complaint Management Policy. Last checked 11 Nov 2026. Source document: Explore Our Complaint Management Policy
15Sukoon Insurance, Sukoon delivers record 2025 financial results. Last checked 11 Nov 2026. Source document: Sukoon delivers record 2025 financial results
16Sukoon Insurance, Sukoon Insurance's 'A' Rating Reaffirmed by S&P with Stable Outlook. Last checked 11 Nov 2026. Source document: Sukoon Insurance's 'A' Rating Reaffirmed by S&P with Stable Outlook
17MT Newswires via Webull, Moody's Affirms Sukoon Insurance's Rating, Stable Outlook on Strong Market Position. Last checked 11 Nov 2026. Source document: Moody's Affirms Sukoon Insurance's Rating, Stable Outlook on Strong Market Position
18Dubai Health Authority (ISAHD), DHA Participating Insurers Results. Last checked 11 Nov 2026. Source document: DHA Participating Insurers Results
19Apple App Store, mySukoon. Last checked 11 Nov 2026. Source document: mySukoon
20Google Play, mySukoon. Last checked 11 Nov 2026. Source document: mySukoon
21Trustpilot, Sukoon reviews. Last checked 11 Nov 2026. Source document: Sukoon reviews
- Owner
- Medicalinsurance.ae research team
- Last review
- Next review due
- 10 May 2027
- Status
- Published