Question 1

Which is better, Al Sagr National Insurance or Allianz Care?

Accepted Answer

It depends on your needs. Al Sagr National Insurance has 4,938 providers across 8 cities and offers 2 plans starting from AED 2,200/yr. Allianz Care has 7,667 providers across 8 cities with 2 plans from AED 6,500/yr. Choose Al Sagr National Insurance if you need lower entry-level premiums. Choose Allianz Care if you prioritise a larger provider network, more comprehensive coverage options.

Question 2

Is Al Sagr National Insurance cheaper than Allianz Care?

Accepted Answer

Yes, Al Sagr National Insurance's entry-level plan starts from AED 2,200/yr, compared to Allianz Care's cheapest plan at AED 6,500/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.

Question 3

Which has a bigger network in Dubai, Al Sagr National Insurance or Allianz Care?

Accepted Answer

Allianz Care has a larger Dubai network with 4,573 providers, compared to Al Sagr National Insurance's 2,641 providers. Network sizes are based on the UAE Open Healthcare Directory data.

Question 4

Does Al Sagr National Insurance or Allianz Care cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. Al Sagr National Insurance's dental sub-limit goes up to AED 3,000/yr, while Allianz Care offers up to AED 10,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Al Sagr National Insurance to Allianz Care?

Accepted Answer

Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Al Sagr National Insurance to Allianz Care (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 Sagr National Insurance and Allianz Care have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Al Sagr National Insurance and Allianz Care plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Al Sagr National Insurance and Allianz Care side-by-side. Key factors to compare: (1) Annual premium — Al Sagr National Insurance starts from AED 2,200/yr, Allianz Care from AED 6,500/yr, (2) Network size — 4,938 vs 7,667 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.

Attribute	Al Sagr National Insurance	Allianz Care
Type	private	private
Founded	1979	1890
Headquarters	Dubai	Dubai (ME office)
Regulators	HAAD, DHA	DHA, HAAD, MOHAP
Number of Plans	2	2
Premium Range	AED 2,200 – 10,000	AED 6,500 – 32,000
Total Network Size	4,938	7,667
Cities Covered	8	8
Dental	Yes	Yes
Optical	Yes	Yes
Maternity	Yes	Yes
Mental Health	Yes	Yes
International	No	Yes
Co-pay Range	20%	0% – 20%
Claims Phone	02-641-7755	800-255426

City	Al Sagr National Insurance	vs	Allianz Care
Dubai	2,641	vs	4,573
Abu Dhabi	1,396	vs	1,765
Sharjah	355	vs	570
Al Ain	235	vs	316
Ajman	146	vs	180
Ras Al Khaimah	91	vs	137
Fujairah	58	vs	94
Umm Al Quwain	16	vs	32

Al Sagr National Insurance vs Allianz Care

Al Sagr National Insurance

Allianz Care

Al Sagr National Insurance vs Allianz Care — At a Glance

Network Comparison by City

Al Sagr National Insurance Plans

Al Sagr Basic Health

Al Sagr Enhanced Health

Allianz Care Plans

Allianz MyHealth Standard

Allianz MyHealth Premium

Verdict

Al Sagr National Insurance vs Allianz Care — FAQ

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