The UAE insurance sector expanded across nearly every major metric in 2025, according to the Central Bank of the UAE’s annual statistical report on insurance activity.
Total written premiums rose to AED 74.8 billion, up 14.9% from AED 65.1 billion in 2024. Claims paid climbed 11% to AED 46.2 billion, while technical reserves grew 4.4% to AED 96.3 billion.
Total sector assets reached AED 164.9 billion, a 6.1% increase from AED 155.5 billion the previous year. Of that, AED 96.4 billion, equivalent to 58.4% of total assets, was held in invested assets, a figure the Central Bank cited as evidence of the sector’s role in supporting broader economic activity.
Profitability improved markedly. Aggregate net profits for insurance companies reached AED 4 billion, up from AED 2.6 billion in 2024. The premium retention rate also edged higher, rising to 56% from 54.9%.
The number of active insurance policies stood at 17.3 million. Health insurance policies saw particularly strong growth, rising 26.1% following the introduction of the mandatory basic health insurance system.
Fifty-eight insurance companies were operating in the UAE at the end of the year, supported by 515 licensed insurance professions across the sector.
On capital adequacy, the sector’s paid-up capital stood at 455% of the regulatory minimum. Insurance density reached approximately AED 6,500 per capita, indicating both the depth of coverage and the sector’s capacity to absorb further growth.
