The United Arab Emirates insurance industry maintained its strong growth trajectory in 2025, supported by substantial gains across key operational and financial metrics. Data from the Central Bank of the UAE’s annual statistical report shows that gross written premiums rose 14.9% year-on-year to AED 74.8 billion, up from AED 65.1 billion in 2024. Total paid claims increased by 11% to AED 46.2 billion, while technical provisions expanded 4.4% to reach AED 96.3 billion. Total sector assets grew 6.1% to AED 164.9 billion, with invested assets totaling AED 96.4 billion—accounting for 58.4% of overall assets and reinforcing the industry’s role in supporting broader national economic stability and investment activity.

Profitability and market penetration expanded significantly over the same period. Net profits for insurance companies surged to AED 4 billion, compared to AED 2.6 billion in 2024, as the premium retention ratio improved from 54.9% to 56%. Active insurance policies reached 17.3 million nationwide, propelled by a 26.1% surge in health insurance policies following the rollout of the mandatory basic health coverage framework. The operating landscape remained robust, comprising 58 licensed insurance companies and 515 related insurance professions across the UAE ecosystem.

The sector’s underlying capital reserves and coverage density point to long-term financial resilience. Available capital stood at 455% of the minimum regulatory threshold, while insurance density reached approximately AED 6,500 per capita. These structural buffers demonstrate high solvency levels and deep market coverage, positioning the UAE insurance market as a primary driver of risk management, business competitiveness, and sustainable capital deployment.

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