Takaful Emarat
Takaful Emarat is a Dubai takaful company, which means it sells Islamic insurance. It was established in 2008 and is listed on the Dubai Financial Market. It sells health, life, credit and savings cover.
At 31 December 2025 Takaful Emarat did not meet the Central Bank's minimum capital requirement of AED 100 million, solvency capital requirement of AED 94.4 million or minimum guarantee fund of AED 84.1 million. Its auditor, Grant Thornton, said in its report of 30 March 2026 that this indicates a material uncertainty that may cast significant doubt on the group's ability to continue as a going concern, and did not modify its opinion. The accounts say the company would send a solvency plan to the Central Bank in April 2026.4
Out of 5 from 2,793 Google reviews across 3 offices
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Takaful Emarat
Takaful Emarat averages 3.9 out of 5 across 2,793 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
Takaful Emarat health insurance
Takaful Emarat sells health plans for individuals, families, domestic workers, Northern Emirates visa holders and Golden Visa holders. Its plan pages give short summaries, so ask for the table of benefits before you buy.
| Plan | Type | What it is |
|---|---|---|
| Northcare | Northern Emirates plan | For people with a visa issued in Sharjah, Ajman, Ras Al Khaimah, Fujairah or Umm Al Quwain. Inpatient and outpatient benefits and teleconsultation. The plans page does not state an annual limit.5 |
| Essential | Individual and family plan | Cover up to AED 250,000 a year. Inpatient and outpatient services, with maternity included. Cover for chronic conditions is subject to underwriting.5 |
| Domestic Worker Medical Insurance | Domestic worker plan | For housemaids, nannies, drivers and other domestic workers. Cover up to AED 250,000 a year, with inpatient, outpatient and emergency treatment.5 |
| Family Health Insurance | Family plan | Covers a spouse and children under one policy. Maternity is included in all plans, with newborn cover. 5% discount for families of 3 and 10% for families of 4.5 |
| Golden Visa / Investor Health Insurance | Golden Visa plan | For Golden Visa holders and investors, with flexible cover levels. The plans page does not state an annual limit.5 |
| Cover | With this insurer | Details |
|---|---|---|
| Claims administrator | Included | Takaful Emarat says claims and approvals are handled by dedicated administrators, not by the insurer directly. It names NAS, Nextcare, MedNet, Al Madallah, Ecare and Aafiya.6 |
| Annual limit | Depends on plan | Up to AED 250,000 a year on the Essential and Domestic Worker plans.5 |
| Network | Included | Over 5,000 hospitals, clinics, diagnostic centres and pharmacies across the UAE, according to its network page.6 |
| Hospital and clinic lists | Included | Choose your administrator and network on the Your Network page to download the network list.9 |
| Maternity | Included | The plans page says maternity is included on the Essential plan and in all Family plans.5 |
| Chronic conditions | Depends on plan | On the Essential plan, cover is subject to underwriting.5 |
| Member discounts | Included | Al Wud is a programme of discounts on healthcare, wellness and lifestyle services for Takaful Emarat members.10 |
Published prices
- Takaful Emarat publishes no prices on its individual plan page. It says premiums vary with age, level of cover, network and medical history.8
Check before you buy
- As of 11 November 2026 Takaful Emarat is not on the Dubai Health Authority's list of insurers taking part in the Essential Benefits Plan.16
- The plans page gives a limit of up to AED 250,000 a year, and the sales landing page says up to AED 1 million of global cover and 10,000+ medical providers. Ask which limit and network apply to the plan you are quoted.11
Policy documents
- Network lists by administratorInsurer page
About Takaful Emarat
- Legal name
- Takaful Emarat - Insurance (PSC)
- Founded
- 18 May 20081
- Type
- Takaful (Islamic insurance) company, listed as takaful by the Central Bank of the UAE2
- Listed on
- Dubai Financial Market, symbol TAKAFUL-EM, listed 19 July 20081
- Headquarters
- 1st Floor, Hassanicor Building, Sheikh Zayed Road, Al Barsha 1, Dubai14
- UAE branches
- A head office in Dubai, a Sharjah office and an Abu Dhabi office. The contact page gives no street address or phone number for Sharjah or Abu Dhabi.7
- Also sells
- Life, Credit, Savings4
- Central Bank
- Listed in the Central Bank of the UAE register, September 2026, number 862
Financial strength
At 31 December 2025 basic own funds were AED 49.9 million, which is AED 50.1 million below the minimum capital requirement of AED 100 million. A year earlier own funds were AED 10.6 million above it. Profit is the amount attributable to shareholders.
Recent news
- Half-year 2026 accounts filed
Takaful Emarat filed its financial statements for the second quarter of 2026 and a detailed analysis of accumulated losses with the Dubai Financial Market.15
- Auditor reports a material uncertainty over going concern
Grant Thornton drew attention to the company missing three Central Bank capital requirements at 31 December 2025. Its opinion on the 2025 accounts was not modified.4
- Rights issue of 185 million shares
The company issued 185 million ordinary shares at AED 1 each.4
- Accumulated losses set against share capital
Accumulated losses of AED 124.3 million were set off against share capital.4
Contact Takaful Emarat
- Phone600 522550
- Emailcustomerrelations@takafulemarat.com
- Complaints emailcomplaints@takafulemarat.com
- ComplaintsOpen complaints page
- HoursMonday to Friday, 8:00 am to 5:00 pm
- Head office1st Floor, Hassanicor Building, Sheikh Zayed Road, Al Barsha 1, Dubai, P.O. Box 57589
Common questions
Is there a Takaful Emarat app?
The Takaful Emarat app was not listed on the UAE App Store or Google Play on 11 November 2026. Takaful Emarat says claims and approvals are handled by the administrator for your plan, such as NAS, Nextcare or MedNet. Call 600 522550 to ask which administrator runs your plan and whether it has an app.17
How do I download my Takaful Emarat insurance card?
Takaful Emarat's site gives no steps for downloading a card. Its contact form takes document queries, and you can call 600 522550 or email customerrelations@takafulemarat.com, Monday to Friday, 8:00 am to 5:00 pm.7
How do I check my Takaful Emarat insurance status online?
Takaful Emarat's site does not describe an online status check. Its contact form has query types for activation, policy cover and documents. You can also call 600 522550.7
How do I claim reimbursement from Takaful Emarat?
Takaful Emarat's site gives no reimbursement steps. It says claims and approvals are handled by dedicated administrators, not by the insurer directly. Contact the administrator named on your card, or call 600 522550. If a claim goes wrong, write to complaints@takafulemarat.com.6
Where is the Takaful Emarat hospital list?
On the Your Network page at takafulemarat.com/your-network. Choose your administrator, then your network, and download the network list.9
Is Takaful Emarat insurance good?
Its audited 2025 accounts show it missed three Central Bank capital requirements at 31 December 2025, and its auditor reported a material uncertainty over its ability to continue as a going concern. The same accounts show a profit attributable to shareholders of AED 15.9 million for 2025. On Google, 3 Takaful Emarat offices average 3.9 out of 5 across 2,793 reviews as of 11 November 2026. Read its latest accounts and recent reviews before you decide.4
Does Takaful Emarat have WhatsApp?
No. Its site says the WhatsApp chat service is no longer available as per regulatory directives. It gives 600 522 550 and customerrelations@takafulemarat.com instead.13
Sources
17
1Dubai Financial Market, TAKAFUL-EM company profile. Last checked 11 Nov 2026. Source document: TAKAFUL-EM 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
4Takaful Emarat, 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
5Takaful Emarat, Health Insurance Plans in UAE. Last checked 11 Nov 2026. Source document: Health Insurance Plans in UAE
6Takaful Emarat, TPA Network. Last checked 11 Nov 2026. Source document: TPA Network
7Takaful Emarat, Contact. Last checked 11 Nov 2026. Source document: Contact
8Takaful Emarat, Health Insurance Company In Uae | Health Insurance Dubai. Last checked 11 Nov 2026. Source document: Health Insurance Company In Uae | Health Insurance Dubai
9Takaful Emarat, Your Network. Last checked 11 Nov 2026. Source document: Your Network
10Takaful Emarat, Al Wud Wellness Program. Last checked 11 Nov 2026. Source document: Al Wud Wellness Program
11Takaful Emarat, Health insurance landing page. Last checked 11 Nov 2026. Source document: Health insurance landing page
12Takaful Emarat, Health+ online purchase. Last checked 11 Nov 2026. Source document: Health+ online purchase
13Takaful Emarat, Home page. Last checked 11 Nov 2026. Source document: Home page
14Takaful Emarat, Investors Information. Last checked 11 Nov 2026. Source document: Investors Information
15Dubai Financial Market, TAKAFUL-EM news and disclosures. Last checked 11 Nov 2026. Source document: TAKAFUL-EM news and disclosures
16Dubai Health Authority (ISAHD), DHA Participating Insurers Results. Last checked 11 Nov 2026. Source document: DHA Participating Insurers Results
17Apple, App Store lookup for the Takaful Emarat app, United Arab Emirates. Last checked 11 Nov 2026. Source document: App Store lookup for the Takaful Emarat app, United Arab Emirates
- Owner
- Medicalinsurance.ae research team
- Last review
- Next review due
- 10 May 2027
- Status
- Published