Explore insurance partners operating in the UAE and available through eSanad. Browse insurer profiles, understand the UAE insurance market, and discover insurance solutions across multiple categories.
eSanad collaborates with a strong network of reputable insurance companies operating in the UAE. These partnerships enable us to provide access to reliable insurers and deliver insurance solutions for individuals, families, and businesses.
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Explore UAE insurance companies by the type of coverage they offer through eSanad.
UAE insurance companies grouped by their headquarters location.
Understanding how the UAE insurance market is structured — from regulators to customers and service providers.
Official regulatory authorities and industry bodies governing the UAE insurance market.
An educational overview of the UAE insurance market structure, insurer types and the role of insurance intermediaries.
Conventional insurance operates as a risk transfer contract. Policyholders pay premiums to an insurer who assumes the financial risk of covered events. UAE-licensed conventional insurers are regulated by the Central Bank of the UAE.
Takaful is a Sharia-compliant cooperative insurance model where participants contribute to a shared fund. Surplus is distributed among members rather than retained as profit. Takaful operators in the UAE are regulated by the CBUAE.
UAE insurance products span motor, health, travel, property, marine, engineering, liability, energy, life and specialty lines. Products serve retail customers, SMEs and large corporate organisations.
Licensed insurance brokers act as independent intermediaries. They advise clients, compare products across multiple insurers, negotiate coverage terms, and assist with claims. Brokers must hold a valid CBUAE licence.
Digital insurance platforms like eSanad are licensed intermediaries that allow consumers to compare, purchase and manage insurance policies online. They work with multiple insurer partners to offer access to a wide product range.
UAE insurers are classified as conventional, takaful, composite (offering both life and general products), or specialist (e.g., health-only). Most large UAE insurers are composite companies licensed to offer a broad range of products.
Insurance products available through eSanad across all partner insurers in the UAE.
Comprehensive and third-party motor policies for private vehicles.
Individuals seeking vehicle coverage in the UAE.Individual and family health plans aligned with UAE mandates.
Residents requiring DHA or DoH-compliant health coverage.Single and multi-trip travel cover for UAE residents.
Frequent travellers needing medical and trip protection.Veterinary expense cover for pets in the UAE.
Pet owners seeking comprehensive veterinary coverage.Employer-sponsored medical plans for company workforces.
SMEs and corporates fulfilling UAE health insurance obligations.Life and disability group policies for employee benefits.
Organisations providing life coverage as an employee benefit.Fleet vehicle policies for businesses with multiple vehicles.
Companies managing car fleets or logistics operations.Commercial property and asset coverage.
Businesses protecting offices, warehouses and assets.Construction project coverage for contractors and developers.
Construction firms managing project risk.Coverage for goods in transit by sea, air and land.
Import/export businesses and logistics providers.Liability protection for professional service providers.
Consultants, engineers and service firms.Coverage for data breaches and cyber liability.
Technology-dependent businesses.Liability cover for healthcare professionals and facilities.
Clinics, hospitals and medical practitioners.Coverage for energy sector assets and operations.
Oil, gas and utilities companies.Multi-cover protection for office environments.
SMEs and businesses in office settings.As of 2025, approximately 65 insurance companies are licensed by the Central Bank of the UAE, comprising around 54 conventional insurers and 11 takaful operators.
Conventional insurance is a risk transfer contract where the insurer assumes risk in exchange for a premium. Takaful is a Sharia-compliant cooperative model where participants contribute to a mutual fund to cover shared risks, with surplus distributed among members.
Insurance brokers act as intermediaries between customers and insurers. They help compare policies across multiple companies, advise on appropriate coverage, negotiate premiums, and assist during the claims process.
A composite insurer is licensed to offer both life insurance (including savings and investment products) and general insurance (motor, health, property). Most large UAE insurers are composite companies.
The Central Bank of the UAE (CBUAE) is the primary regulator for all insurance companies. The Department of Health (Abu Dhabi) and Dubai Health Authority (DHA) additionally regulate health insurance in their respective emirates.
Yes. eSanad is a UAE-licensed insurance intermediary that allows you to compare insurance products across multiple partner insurers, helping you find suitable coverage for motor, health, travel, home and business insurance needs.
A Third-Party Administrator (TPA) manages health insurance claims on behalf of the insurer. TPAs handle pre-authorisations, process medical claims, and administer hospital network access. Common UAE TPAs include NAS (Daman), Nextcare and Neuron.
Yes. All insurance companies operating in the UAE, whether conventional or takaful, must hold a valid licence from the Central Bank of the UAE. Branches of foreign insurers must also comply with CBUAE regulations.
Third-party motor insurance is mandatory for all vehicle owners. Health insurance is mandatory for all employees in Dubai and Abu Dhabi, with employers responsible for providing coverage. Workmen's compensation insurance is also required by UAE Labour Law.
Our team of UAE insurance experts are ready to help you compare, advise and support you through every step.