UAE insurer profile
Al Sagr National Insurance
Est. 1979 · Dubai · HAAD, DHA regulated
Established Abu Dhabi-based insurer since 1979. Al Sagr National Insurance offers 2 health insurance plans in the UAE, accepted by 4,881 healthcare providers across 8 cities. Data cross-referenced with the UAE Open Healthcare Directory.
At a glance
Key facts.
- Established Abu Dhabi-based insurer since 1979
- Focus on corporate group health and motor insurance
- Good presence in Abu Dhabi and Dubai markets
- Competitive pricing for medium-sized groups
Coverage matrix
Coverage at a glance.
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| Al Sagr Basic Health | Basic | AED 2,200 – 4,200/yr | AED 200,000 | 20% | — | — |
| Al Sagr Enhanced Health | Enhanced | AED 5,000 – 10,000/yr | AED 500,000 | 20% | ✓ | ✓ |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Plan catalogue
Insurance plans.
Al Sagr National Insurance
Al Sagr Basic Health
Employees in Abu Dhabi meeting mandatory HAAD requirements
AED 2,200 – 4,200/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
4,881 providers
View details →Al Sagr National Insurance
Al Sagr Enhanced Health
Corporate employees and families in Abu Dhabi and Dubai
AED 5,000 – 10,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
4,881 providers
View details →Who accepts this
Provider network.
Providers by City
Top Specialties in Network
The claims flow
How claims work with Al Sagr National Insurance.
Direct billing. Present your Al Sagr National Insurance insurance card at any in-network provider. The clinic or hospital bills Al Sagr National 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 alsagrinsurance.ae or call 02-641-7755. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact Al Sagr National Insurance at least 48 hours in advance.
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Questions
About Al Sagr National Insurance.
Al Sagr National Insurance Insurance — FAQ
What health insurance plans does Al Sagr National Insurance offer in the UAE?
Al Sagr National Insurance offers 2 health insurance plans in the UAE: Al Sagr Basic Health, Al Sagr Enhanced Health. Plans range from AED 2,200 – 4,200/yr to AED 5,000 – 10,000/yr annually.
How many healthcare providers accept Al Sagr National Insurance insurance?
According to the UAE Open Healthcare Directory, 4,881 healthcare providers across 8 UAE cities accept Al Sagr National Insurance insurance. This includes hospitals, clinics, dental practices, and specialist centers.
Does Al Sagr National Insurance cover dental and maternity?
Dental and maternity coverage depends on the plan tier. Yes, Al Sagr National Insurance's enhanced and premium plans include dental coverage. Maternity is covered with waiting periods ranging from 10 to 12 months.
Is Al Sagr National Insurance the UAE healthcare regulator or HAAD compliant?
Al Sagr National Insurance is regulated by HAAD and DHA. The UAE healthcare regulator (Dubai) compliance means all plans meet the Essential Benefits Package required for Dubai residents and workers. Additionally, Health Authority Abu Dhabi (HAAD/DoH) oversight ensures plans meet Abu Dhabi's mandatory Thiqa and basic scheme requirements.
How do I file a claim with Al Sagr National Insurance?
To file a claim with Al Sagr National Insurance, call their claims line at 02-641-7755. For direct billing, simply present your Al Sagr National Insurance insurance card at any in-network provider — the clinic or hospital settles directly with the insurer. For reimbursement claims (out-of-network or emergency), submit itemised invoices, a completed claim form, and your doctor's report within 90 days of treatment via alsagrinsurance.ae or by post to their Dubai office.
What is the cheapest Al Sagr National Insurance plan?
The most affordable Al Sagr National Insurance plan is the Al Sagr Basic Health (Basic tier), starting from AED 2,200 – 4,200/yr annually. It covers inpatient, outpatient, maternity with a 20% outpatient co-pay and an annual limit of AED 200,000.
Does Al Sagr National Insurance have a mobile app for claims?
Al Sagr National Insurance offers digital claims submission through their member portal at alsagrinsurance.ae. Most major UAE insurers, including Al Sagr National Insurance, provide a mobile app or online portal where members can submit reimbursement claims, view policy documents, check coverage limits, find in-network providers, and download tax invoices. Download the Al Sagr National Insurance app from the App Store or Google Play, or log in via their website to access self-service claim tools.
Disclaimer. Plan details and premiums are indicative. Obtain a personalised quote from Al Sagr National Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.