Al Dhafra Insurance vs Al Sagr National Insurance
UAE Health Insurance Comparison 2026
Al Dhafra Insurance
private3,243 providers
2 plans
Est. 1979
HAAD regulated
Al Sagr National Insurance
private4,881 providers
2 plans
Est. 1979
HAAD, DHA regulated
Al Dhafra Insurance has 2 plans starting from AED 2,000/yr with 3,243 providers across 8 cities. Al Sagr National Insurance has 2 plans starting from AED 2,200/yr with 4,881 providers across 8 cities. Al Dhafra Insurance is strongest in Abu Dhabi while Al Sagr National Insurance has the most providers in Dubai.
Al Dhafra Insurance vs Al Sagr National Insurance — At a Glance
| Attribute | Al Dhafra Insurance | Al Sagr National Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1979 | 1979 |
| Headquarters | Abu Dhabi | Dubai |
| Regulators | HAAD | HAAD, DHA |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,000 – 9,000 | AED 2,200 – 10,000 |
| Total Network Size | 3,243 | 4,881 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | No | Yes |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 02-622-2212 | 02-641-7755 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | Al Dhafra Insurance | vs | Al Sagr National Insurance |
|---|---|---|---|
| Dubai | 1,121 | vs | 2,596 |
| Abu Dhabi | 1,303 | vs | 1,396 |
| Sharjah | 270 | vs | 352 |
| Al Ain | 318 | vs | 231 |
| Ajman | 96 | vs | 143 |
| Ras Al Khaimah | 87 | vs | 89 |
| Fujairah | 38 | vs | 58 |
| Umm Al Quwain | 10 | vs | 16 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Al Dhafra Insurance Plans
Al Dhafra Insurance
Al Dhafra Basic Health
Employees in Abu Dhabi and Western Region
AED 2,000 – 3,800/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
3,243 providers
View details →Al Dhafra Insurance
Al Dhafra Enhanced Health
Corporate employees and families in Abu Dhabi
AED 4,500 – 9,000/yr
Annual limit: AED 400,000 · semi-private room · 20% co-pay
3,243 providers
View details →Al Sagr National 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 →Verdict
Choose Al Dhafra Insurance if you need lower entry-level premiums. Choose Al Sagr National Insurance if you prioritise a larger provider network, more comprehensive coverage options. Both are established insurers in the UAE market. The best choice depends on your employer's plan options, budget, required coverage, and preferred hospital network in your city.
Al Dhafra Insurance vs Al Sagr National Insurance — FAQ
Which is better, Al Dhafra Insurance or Al Sagr National Insurance?
It depends on your needs. Al Dhafra Insurance has 3,243 providers across 8 cities and offers 2 plans starting from AED 2,000/yr. Al Sagr National Insurance has 4,881 providers across 8 cities with 2 plans from AED 2,200/yr. Choose Al Dhafra Insurance if you need lower entry-level premiums. Choose Al Sagr National Insurance if you prioritise a larger provider network, more comprehensive coverage options.
Is Al Dhafra Insurance cheaper than Al Sagr National Insurance?
Yes, Al Dhafra Insurance's entry-level plan starts from AED 2,000/yr, compared to Al Sagr National Insurance's cheapest plan at AED 2,200/yr. However, plan pricing varies by age, nationality, visa type, and employer. Enhanced and premium tiers may differ. Always obtain a personalised quote from each insurer.
Which has a bigger network in Dubai, Al Dhafra Insurance or Al Sagr National Insurance?
Al Sagr National Insurance has a larger Dubai network with 2,596 providers, compared to Al Dhafra Insurance's 1,121 providers. Network sizes are based on the UAE Open Healthcare Directory data.
Does Al Dhafra Insurance or Al Sagr National Insurance cover dental?
Both insurers offer dental coverage on their enhanced and premium plans. Al Dhafra Insurance's dental sub-limit goes up to AED 2,500/yr, while Al Sagr National Insurance offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Al Dhafra Insurance to Al Sagr National Insurance?
Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Al Dhafra Insurance to Al Sagr National Insurance (or vice versa), be aware of: (1) Pre-existing condition waiting periods may restart — check the new insurer's policy, (2) Maternity waiting periods usually reset, (3) Any ongoing treatment authorisations need to be re-submitted. Coordinate with your employer's HR department if on a group plan. Both Al Dhafra Insurance and Al Sagr National Insurance have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Al Dhafra Insurance and Al Sagr National Insurance plans?
Use the UAE Health Insurance Navigator on this page to compare Al Dhafra Insurance and Al Sagr National Insurance side-by-side. Key factors to compare: (1) Annual premium — Al Dhafra Insurance starts from AED 2,000/yr, Al Sagr National Insurance from AED 2,200/yr, (2) Network size — 3,243 vs 4,881 providers, (3) Coverage — dental, optical, maternity, and mental health inclusion, (4) Co-pay percentages, and (5) Provider availability in your city. Scroll down for the full comparison table.
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Disclaimer: Plan details, premiums, and network sizes are indicative, based on publicly available UAE insurance market data. Obtain personalised quotes from Al Dhafra Insurance and Al Sagr National Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.