Al Dhafra Insurance
Est. 1979 · Abu Dhabi · HAAD regulated
Abu Dhabi-based insurer with over four decades in the market. Al Dhafra Insurance offers 2 health insurance plans in the UAE. Data cross-referenced with the UAE Open Healthcare Directory.
Key Facts
- ▸Abu Dhabi-based insurer with over four decades in the market
- ▸Focus on group health and motor insurance
- ▸Strong presence in Abu Dhabi Western Region (Al Dhafra)
- ▸Competitive pricing for government-linked employers
Coverage at a Glance
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| Al Dhafra Basic Health | Basic | AED 2,000 – 3,800/yr | AED 200,000 | 20% | — | — |
| Al Dhafra Enhanced Health | Enhanced | AED 4,500 – 9,000/yr | AED 400,000 | 20% | ✓ | ✓ |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Insurance Plans
Al Dhafra Insurance
Al Dhafra Basic Health
Employees in Abu Dhabi and Western Region
AED 2,000 – 3,800/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
Al Dhafra Insurance
Al Dhafra Enhanced Health
Corporate employees and families in Abu Dhabi
AED 4,500 – 9,000/yr
Annual limit: AED 400,000 · semi-private room · 20% co-pay
How claims work with Al Dhafra Insurance
Direct billing: Present your Al Dhafra Insurance insurance card at any in-network provider. The clinic or hospital bills Al Dhafra Insurance directly — you pay only your applicable co-pay (20%–20% outpatient) at the point of care. No paperwork required. Reimbursement claims: For out-of-network or emergency treatment, collect itemised invoices and medical reports, then submit via aldhafrainsurance.ae or call 02-622-2212. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact Al Dhafra Insurance at least 48 hours in advance.
Al Dhafra Insurance Insurance — FAQ
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Disclaimer: Plan details and premiums are indicative. Obtain a personalised quote from Al Dhafra Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.