Salama Islamic Insurance
Est. 1979 · Dubai · DHA, HAAD, MOHAP regulated
One of the oldest and largest Islamic insurance (Takaful) companies globally. Salama Islamic Insurance offers 2 health insurance plans in the UAE. Data cross-referenced with the UAE Open Healthcare Directory.
Key Facts
- ▸One of the oldest and largest Islamic insurance (Takaful) companies globally
- ▸Operates across all UAE emirates with full Takaful product range
- ▸Listed on Dubai Financial Market
- ▸Strong corporate and retail Takaful health book
Coverage at a Glance
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| Salama Basic Takaful Health | Basic | AED 2,500 – 5,000/yr | AED 250,000 | 20% | — | — |
| Salama Enhanced Takaful Health | Enhanced | AED 6,000 – 13,000/yr | AED 750,000 | 20% | ✓ | ✓ |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Insurance Plans
Salama Islamic Insurance
Salama Basic Takaful Health
Employers seeking Sharia-compliant mandatory health coverage across UAE
AED 2,500 – 5,000/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
Salama Islamic Insurance
Salama Enhanced Takaful Health
Corporate employees and families across UAE wanting enhanced Takaful
AED 6,000 – 13,000/yr
Annual limit: AED 750,000 · semi-private room · 20% co-pay
How claims work with Salama Islamic Insurance
Direct billing: Present your Salama Islamic Insurance insurance card at any in-network provider. The clinic or hospital bills Salama Islamic 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 salama.ae or call 800-72526. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact Salama Islamic Insurance at least 48 hours in advance.
Salama Islamic Insurance Insurance — FAQ
Compare Salama Islamic Insurance with other insurers
Side-by-side plan comparison across all 38 UAE insurers
Disclaimer: Plan details and premiums are indicative. Obtain a personalised quote from Salama Islamic Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.