Aafiya
Aafiya is a UAE-based Third Party Administrator founded in 2013 that provides AI-driven claims processing, policy administration, provider network management, and care delivery services to 16+ insurance carriers, their policyholders, and healthcare providers across all seven emirates.
- Company typePrivate
- Founded2013
- HeadquartersDubai, United Arab Emirates
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Aafiya does
Aafiya Medical Billing Services LLC, operating as Aafiya TPA, is a Dubai-headquartered Third Party Administrator founded in 2013 that provides end-to-end healthcare administration services to insurance companies across the UAE. The company's core offering is a platform-plus-modules architecture centered on the Aafiya AI Care product, which combines an AI-powered chatbot, teleconsultation, e-pharmacy, home healthcare, second medical opinion services, and the Aafiya Protect chronic disease management program (covering diabetes, hypertension, and hyperlipidemia). Underpinning these are operational modules for claim management, policy administration, risk management, provider network access, FWA (fraud, waste, and abuse) detection, call center operations, wellness programs, and market research, supported by a mobile application and the DAHAB premium card sub-brand.
The underlying technology stack combines AI and machine learning for claims auto-approval, FWA anomaly detection, and predictive risk analytics using Qlik Sense, with multi-modal delivery across text, video, audio, and structured claims data. Aafiya serves three primary segments: insurance companies (claims and policy administration), policyholders (member portals, mobile app, teleconsultation), and healthcare providers (network participation and billing portals). The company maintains ISO 9001:2015 and ADHICS certifications, operates from offices in Dubai (Al Saqr Business Tower, DIFC) and Abu Dhabi (ADCP Office Tower), and reports a network spanning all seven UAE emirates with 16+ named insurance carrier partners including both conventional and Takaful (Sharia-compliant) providers.
Aafiya generates revenue through managed-services fees paid by insurance company partners for end-to-end healthcare administration; specific contract terms and pricing are not publicly disclosed, and website pricing tiers appear to be template placeholders rather than real B2B pricing. The go-to-market motion is sales-led and relationship-driven, with direct enterprise sales to insurers supplemented by member-facing digital channels (member portal, mobile app, 24/7 call center) and provider-facing portals. Distribution is single-country (UAE), with overseas partner references on the website but no disclosed international operations.
Aafiya firmographics
Firmographics- Name
- Aafiya
- Legal name
- Aafiya Medical Billing Services LLC
- Website
- https://aafiya.ae
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Aafiya is a UAE-based Third Party Administrator founded in 2013 that provides AI-driven claims processing, policy administration, provider network management, and care delivery services to 16+ insurance carriers, their policyholders, and healthcare providers across all seven emirates.
- Ownership category
- akta.pro rank
Aafiya industry classification
Industry- Product category
- Healthcare Administration / Third Party Administrator (TPA) Services
- NAICS
- Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)
- SIC
- Hospital & Medical Service Plans (6324)
- akta.pro primary industry
- Member Services & Contact Center Operations (TPA) (HLAEALAI)
- akta.pro secondary industries
- Care Management & Population Health Program Administration (HLAEALAG), Compliance, Reporting & Regulatory Administration (ERISA/ACA/No Surprises) (HLAEALAJ)
Keywords
Where Aafiya is headquartered
LocationHeadquarters
- HQ city
- Dubai
- HQ country
- United Arab Emirates
- HQ region
- Middle East
Offices2 records
Markets served
Aafiya business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- TPA Services to Insurance Companies: Aafiya generates revenue by providing Third Party Administrator services to insurance companies, managing their healthcare administration including claims processing, policy administration, provider network management, and member services. Revenue is derived from fees charged to insurance company partners for end-to-end healthcare management solutions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard Pack - Placeholder pricing for demo purposes |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
Aafiya product offering
Product offeringCore offering
Aafiya is a Third Party Administrator (TPA) for health insurance in the UAE, providing end-to-end healthcare administration services to insurance companies. Its core offerings include claims processing, policy administration, provider network management, risk management, fraud/waste/abuse detection, call center operations, wellness programs, and market research, all delivered through its proprietary AI-powered Aafiya AI Care platform. The company also offers AI Care consumer-facing modules including AI chatbot, teleconsultation, e-pharmacy, home healthcare, chronic disease management (CDMP), and second medical opinion services.
Product overview
Aafiya is a digitally driven Third Party Administrator (TPA) for health insurance in the UAE, established in 2013. The company operates a platform-plus-modules architecture centered on the Aafiya AI Care platform, which serves as the core AI-powered healthcare management system. This platform integrates multiple specialized modules including an AI-Powered Chatbot for instant support, Aafiya Protect (CDMP) for chronic disease management, Teleconsultation for virtual care, E-Pharmacy for medication delivery, Home Healthcare, and Second Medical Opinion services. Supporting the AI Care platform are operational modules for Claim Management, Policy Administration, Risk Management, Provider Network management, Call Center services, FWA (Fraud, Waste, and Abuse detection), Wellness programs, and Market Research. The company also offers a Mobile App and the DAHAB premium wellness card. Aafiya's integrated ecosystem connects insurance companies, policyholders, and healthcare providers to streamline the entire healthcare administration lifecycle.
Differentiator
Problem solved
Functional benefit
Brands
- Aafiya AI Care: AI-powered platform designed to revolutionize healthcare management, delivering smarter, faster, and more personalized healthcare solutions including AI chatbot, teleconsultation, e-pharmacy, home healthcare, and second medical opinion services.
- Aafiya Protect (CDMP)
- DAHAB
Products and services
- Claim Management
Quantifiable outcome
- AI-based auto-approval system provides efficient and clinically sound approvals, reducing processing delays
- +2 more outcomes
Companies that use Aafiya
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Aafiya technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability10 records
Feature9 records
Aafiya partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core.
- Buhaira InsurancecoreInsurance company partner. Buhaira Insurance provides health insurance with claims processing through Aafiya's TPA platform.
- DNI (Dubai National Insurance)coreInsurance company partner based in Dubai. DNI works with Aafiya for healthcare administration and claims management.
- Takaful EmaratcoreIslamic insurance company partner. Takaful Emarat provides Sharia-compliant health insurance with Aafiya managing administration services.
- IH (Insurance House)coreInsurance company partner for health insurance administration services. Part of the network of insurance partners that Aafiya collaborates with for claims processing and policyholder management.
- WateenacoreInsurance company partner. Wateena is one of the insurance partners in Aafiya's network providing health insurance coverage to policyholders.
- Union InsurancecoreInsurance company partner for health insurance services. Union Insurance collaborates with Aafiya for claims administration and member services.
- National General InsurancecoreInsurance company partner providing health insurance products. National General works with Aafiya for third-party administration services.
- BimacoreInsurance company partner in Aafiya's network. Bima provides health insurance coverage with claims processing through Aafiya's TPA services.
- DXBAcoreInsurance company partner providing health insurance in UAE. DXBA collaborates with Aafiya for policy administration and claims management.
- Orient UNB TakafulcoreTakaful (Islamic insurance) company partner. Orient UNB Takaful provides Sharia-compliant health insurance with Aafiya handling administration.
- RAK InsurancecoreInsurance company partner based in Ras Al Khaimah. RAK Insurance partners with Aafiya for healthcare administration services.
- DXBINcoreInsurance company partner in Aafiya's network. DXBIN provides health insurance products with Aafiya managing claims processing.
- AFNICcoreInsurance company partner. AFNIC works with Aafiya for third-party administration of health insurance policies.
- Orient InsurancecoreMajor insurance company partner providing comprehensive health insurance. Orient Insurance collaborates with Aafiya for claims and member services.
- MedGulfcoreInsurance company partner in the Middle East. MedGulf provides health insurance with Aafiya handling TPA functions.
- SalamacoreIslamic insurance (Takaful) company partner. Salama provides Sharia-compliant health coverage with administration through Aafiya.
Scale indicators6 records
Recent moves9 records
Expansion highlights5 records
Aafiya competitors and assessment
Company assessmentDirect peers
- MedNet: MedNet is one of the largest TPAs in the Middle East and North Africa, providing health insurance administration, claims processing, and provider network management across multiple countries including UAE. Directly comparable to Aafiya in core TPA services, target carriers, and member services.
- GlobeMed: GlobeMed is a leading MENA TPA offering health insurance administration, claims management, and provider network services across 14+ countries including UAE. Directly competes with Aafiya for the same carrier clients and insurance company partnerships in the region.
- Neuron (TPA): Neuron is a UAE-based TPA providing health insurance administration, claims processing, and network management services to insurance carriers. Directly comparable to Aafiya in service offering, geography, and target customer segment.
- NextCare: NextCare is a Middle East healthcare management company offering TPA services, third-party administration, and managed care solutions across multiple MENA markets. Comparable to Aafiya in claims administration and provider network management with broader regional footprint.
- Thiqa / Daman TPA services: Thiqa program administered by Daman provides government-backed health insurance for UAE nationals in Abu Dhabi with full TPA functionality. Competes with Aafiya for the same government and large-employer segments in UAE.
Broad incumbents
- Daman (National Health Insurance Company): Daman is the UAE's largest health insurer and also operates TPA functions for government programs (Thiqa). While primarily an insurer, its TPA arm serves as both a competitor and potential partner for Aafiya in the UAE health administration space.
- AXA Insurance Gulf: AXA Gulf is a major multi-line insurer in UAE offering health insurance products and typically handles TPA functions in-house or through group arrangements. Represents both a potential customer for Aafiya and a competitor offering bundled health insurance services.
- Sukoon Insurance: Sukoon (formerly Oman Insurance Company) is a major UAE insurer offering health, motor, and general insurance with in-house and partner TPA capabilities. Comparable as a potential customer for Aafiya's TPA services and as a broader competitor in UAE health insurance market.
Regional players
- Bupa Arabia: Bupa Arabia is the largest health insurance company in Saudi Arabia offering TPA-adjacent health management and insurance services. Comparable to Aafiya in health insurance administration and care management but primarily serves Saudi rather than UAE market.
- NAS (National Health Services Company): NAS is a leading Saudi Arabian TPA and managed care services provider offering claims administration and provider network management. Comparable to Aafiya in core TPA services but operates primarily in Saudi Arabia rather than UAE.
Market position
Strengths1 record
Weaknesses1 record
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Aafiya social profiles
Digital presenceAafiya compliance and trust
Trust signalCompliance2 records
Aafiya financial estimates
Financial estimateRevenue estimate
Valuation estimate
Aafiya leadership team
Management profileNumber of profiles
Profiles4 records
Aafiya funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Aafiya M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Aafiya
What does Aafiya do?
Aafiya is a Third Party Administrator (TPA) for health insurance in the UAE, providing end-to-end healthcare administration services to insurance companies. Its core offerings include claims processing, policy administration, provider network management, risk management, fraud/waste/abuse detection, call center operations, wellness programs, and market research, all delivered through its proprietary AI-powered Aafiya AI Care platform. The company also offers AI Care consumer-facing modules including AI chatbot, teleconsultation, e-pharmacy, home healthcare, chronic disease management (CDMP), and second medical opinion services.
Is Aafiya a public or private company?
Aafiya is a private company. It is classified as management employee owned and is currently operating.
When was Aafiya founded?
Aafiya was founded in 2013. It employs 101 to 250 people.
Where is Aafiya based?
Aafiya is headquartered in Dubai, United Arab Emirates, in the Middle East region.
How does Aafiya make money?
One revenue line is on record: TPA Services to Insurance Companies.
Who are Aafiya's main competitors?
Direct peers on record are MedNet, GlobeMed, Neuron (TPA), NextCare and Thiqa / Daman TPA services. Broad incumbents are Daman (National Health Insurance Company), AXA Insurance Gulf and Sukoon Insurance. Regional players are Bupa Arabia and NAS (National Health Services Company).
Does Aafiya have an API?
No public API is recorded for Aafiya.
What industry is Aafiya in?
Aafiya's product category is Healthcare Administration / Third Party Administrator (TPA) Services. Its primary akta.pro industry code is HLAEALAI, Member Services & Contact Center Operations (TPA), with a secondary code of HLAEALAG, Care Management & Population Health Program Administration. Its NAICS code is 524292 and its SIC code is 6324.