Al Sagr National Insurance vs Daman
UAE Health Insurance Comparison 2026
Al Sagr National Insurance
private801 providers
2 plans
Est. 1979
DOH, DHA regulated
Daman
mandatory9,391 providers
3 plans
Est. 2005
DOH regulated
Al Sagr National Insurance has 2 plans from AED 2,200 a year and 801 in-network providers in 7 cities. Daman has 3 plans from AED 600 a year and 9,391 in-network providers in 8 cities. Both insurers have the most providers in Dubai. Network counts are providers in the UAE Open Healthcare Directory that list each insurer; premiums are indicative.
Al Sagr National Insurance vs Daman — At a Glance
| Attribute | Al Sagr National Insurance | Daman |
|---|---|---|
| Type | private | mandatory |
| Founded | 1979 | 2005 |
| Headquarters | Dubai | Abu Dhabi |
| Regulators | DOH, DHA | DOH |
| Number of Plans | 2 | 3 |
| Premium Range | AED 2,200 – 10,000 | AED 600 – 25,000 |
| Total Network Size | 801 | 9,391 |
| Cities Covered | 7 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | No | No |
| Co-pay Range | 20% | 0% – 20% |
| Phone (from the insurer's website) | 04 702 8500 | 600 5 32626 |
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 Sagr National Insurance | vs | Daman |
|---|---|---|---|
| Dubai | 429 | vs | 3,996 |
| Abu Dhabi | 172 | vs | 2,451 |
| Sharjah | 135 | vs | 1,332 |
| Al Ain | 0 | vs | 791 |
| Ajman | 36 | vs | 358 |
| Ras Al Khaimah | 19 | vs | 244 |
| Fujairah | 6 | vs | 168 |
| Umm Al Quwain | 4 | vs | 51 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Al Sagr National Insurance Plans
Al Sagr National Insurance
Al Sagr Basic Health
Employees in Abu Dhabi who need the mandatory cover
AED 2,200 – 4,200/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
801 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
801 providers
View details →Daman Plans
Daman
Daman Basic
Low-income workers and dependants in Abu Dhabi (mandatory scheme)
AED 600 – 750/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
9,391 providers
View details →Daman
Daman Enhanced
Mid-salary employees and families in Abu Dhabi
AED 3,500 – 7,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
9,391 providers
View details →Daman
Daman Premium
Senior employees and executives in Abu Dhabi
AED 12,000 – 25,000/yr
Annual limit: AED 1.0M · private room · 0% co-pay
9,391 providers
View details →Verdict
Choose Al Sagr National Insurance if you need strong coverage and established reputation. Choose Daman if you prioritise a larger provider network, lower entry-level premiums, more plan tiers to choose from, more comprehensive coverage options, presence in 8 cities. 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 Sagr National Insurance vs Daman — FAQ
Which is better, Al Sagr National Insurance or Daman?
It depends on your needs. Al Sagr National Insurance has 801 providers across 7 cities and offers 2 plans starting from AED 2,200/yr. Daman has 9,391 providers across 8 cities with 3 plans from AED 600/yr. Choose Al Sagr National Insurance if you need strong coverage and established reputation. Choose Daman if you prioritise a larger provider network, lower entry-level premiums, more plan tiers to choose from, more comprehensive coverage options, presence in 8 cities.
Is Al Sagr National Insurance cheaper than Daman?
No, Daman's entry-level plan starts from AED 600/yr, while Al Sagr National Insurance's cheapest plan begins at AED 2,200/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.
Which has a bigger network in Dubai, Al Sagr National Insurance or Daman?
Daman has a larger Dubai network with 3,996 providers, compared to Al Sagr National Insurance's 429 providers. Network sizes are based on the UAE Open Healthcare Directory data.
Does Al Sagr National Insurance or Daman cover dental?
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 Daman offers up to AED 7,500/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Al Sagr National Insurance to Daman?
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 Daman (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 Daman have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Al Sagr National Insurance and Daman plans?
Use the UAE Health Insurance Navigator on this page to compare Al Sagr National Insurance and Daman side-by-side. Key factors to compare: (1) Annual premium — Al Sagr National Insurance starts from AED 2,200/yr, Daman from AED 600/yr, (2) Network size — 801 vs 9,391 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 Sagr National Insurance and Daman or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory.