Union Insurance
Est. 1998 · Dubai · HAAD, DHA regulated
Dubai-headquartered insurer with growing UAE-wide presence. Union Insurance offers 2 health insurance plans in the UAE. Data cross-referenced with the UAE Open Healthcare Directory.
Key Facts
- ▸Dubai-headquartered insurer with growing UAE-wide presence
- ▸Focus on corporate group health insurance
- ▸Competitive pricing for mid-market employers
- ▸Strong Abu Dhabi and Al Ain hospital network
Coverage at a Glance
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| Union Basic Health | Basic | AED 2,300 – 4,200/yr | AED 200,000 | 20% | — | — |
| Union Enhanced Health | Enhanced | AED 5,000 – 10,500/yr | AED 500,000 | 20% | ✓ | ✓ |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Insurance Plans
Union Insurance
Union Basic Health
SMEs in Abu Dhabi and Dubai meeting mandatory requirements
AED 2,300 – 4,200/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
Union Insurance
Union Enhanced Health
Corporate employees and families in Abu Dhabi and Dubai
AED 5,000 – 10,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
How claims work with Union Insurance
Direct billing: Present your Union Insurance insurance card at any in-network provider. The clinic or hospital bills Union 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 unioninsurance.ae or call 02-677-5050. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact Union Insurance at least 48 hours in advance.
Union Insurance Insurance — FAQ
Compare Union 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 Union Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.