Health and life takaful specialist. Founded 2008. CBUAE-licensed as Takaful Emarat - Insurance P.S.C. Over 5,000 healthcare providers in network.
Takaful Emarat is a UAE specialist in health and life (family) takaful, founded in 2008 and CBUAE-registered as Takaful Emarat - Insurance P.S.C. It operates a network of over 5,000 healthcare providers. It does not write motor, home or travel cover. Members pay a contribution into a shared pool, not a premium to an insurer. Any Shariah compliance claim rests on Takaful Emarat's own Shariah board.
Lines of cover offered in the UAE, verified against the CBUAE register (11 Jun 2026). Takaful Emarat is a specialist operator: health and life only.
Individual and group health takaful plans with a network of over 5,000 healthcare providers. Compare annual limit, co-payment and network coverage before joining the pool.
Shariah-compliant life protection and savings takaful. Check contribution term, sum covered and surplus-handling terms in the takaful certificate.
Takaful Emarat does not offer motor, home or travel cover. For those lines, compare other CBUAE-licensed operators.
| Full CBUAE name | Takaful Emarat - Insurance P.S.C. |
| Founded | 2008 |
| Type | National takaful (specialist) |
| CBUAE licence | Licensed |
| Lines | Health takaful · Family (life) takaful |
| Healthcare network | 5,000+ |
| Website | takafulemarat.com |
| Data verified | 11 Jun 2026 |
Sources: takafulemarat.com and CBUAE licensed insurer register. Verified 11 Jun 2026. Shariah compliance rests on Takaful Emarat's own Shariah board; not assessed by this site. Not affiliated with Takaful Emarat.
Points specific to comparing this specialist takaful operator.
Takaful Emarat focuses solely on health and life (family) takaful. It does not write motor, home or travel cover. If you need motor or home, compare other CBUAE-licensed operators alongside.
As a takaful operator, Takaful Emarat members pay a contribution into a shared pool that funds claims. The operator manages the fund for a Wakalah fee. This is structurally different from conventional health insurance.
With 5,000+ providers, the network coverage matters more than the published list size. Check your preferred hospital and clinic are included before comparing contribution amounts.
Takaful Emarat is a specialist operator covering health takaful and family (life) takaful only. It does not offer motor, home or travel cover. If you need motor takaful or home takaful, you will need to compare other CBUAE-licensed operators.
With conventional health insurance you pay a premium to an insurer, which retains any underwriting profit. With health takaful, you pay a contribution into a shared pool that pays members' claims. Takaful Emarat manages the pool for a Wakalah fee. Any surplus in the pool is handled according to the scheme rules and the operator's Shariah board guidance.
No. Takaful Emarat does not write motor cover. For motor takaful in the UAE, compare other CBUAE-licensed motor takaful operators such as Salama or Watania Takaful.
Use the provider search tool on takafulemarat.com or call Takaful Emarat's customer service directly. Before comparing plans, confirm your preferred hospital, clinic and specialist are in-network, as out-of-network treatment typically requires prior approval and may carry higher cost-sharing.
See how Takaful Emarat's health and life takaful stands alongside other CBUAE-licensed takaful operators and conventional health insurers. Independent comparison.
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