Al Sagr National Insurance vs GIG Gulf
UAE Health Insurance Comparison 2026
Al Sagr National Insurance
private801 providers
2 plans
Est. 1979
DOH, DHA regulated
GIG Gulf
private782 providers
3 plans
Est. 1962
DHA, DOH, MOHAP regulated
Al Sagr National Insurance has 2 plans from AED 2,200 a year and 801 in-network providers in 7 cities. GIG Gulf has 3 plans from AED 2,800 a year and 782 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 GIG Gulf — At a Glance
| Attribute | Al Sagr National Insurance | GIG Gulf |
|---|---|---|
| Type | private | private |
| Founded | 1979 | 1962 |
| Headquarters | Dubai | Kuwait / Dubai |
| Regulators | DOH, DHA | DHA, DOH, MOHAP |
| Number of Plans | 2 | 3 |
| Premium Range | AED 2,200 – 10,000 | AED 2,800 – 28,000 |
| Total Network Size | 801 | 782 |
| Cities Covered | 7 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | No | Yes |
| Co-pay Range | 20% | 0% – 20% |
| Phone (from the insurer's website) | 04 702 8500 | 800 292 |
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 | GIG Gulf |
|---|---|---|---|
| Dubai | 429 | vs | 426 |
| Abu Dhabi | 172 | vs | 178 |
| Sharjah | 135 | vs | 96 |
| Ajman | 36 | vs | 28 |
| Ras Al Khaimah | 19 | vs | 13 |
| Al Ain | 0 | vs | 31 |
| Fujairah | 6 | vs | 8 |
| Umm Al Quwain | 4 | vs | 2 |
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 →GIG Gulf Plans
GIG Gulf
GIG Gulf Essential
SMEs and individuals meeting mandatory requirements across UAE
AED 2,800 – 4,800/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
782 providers
View details →GIG Gulf
GIG Gulf Corporate Plus
Corporate employees and families across UAE
AED 5,500 – 12,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
782 providers
View details →GIG Gulf
GIG Gulf Executive
Senior management and executives
AED 15,000 – 28,000/yr
Annual limit: AED 1.5M · private room · 0% co-pay
782 providers
View details →Verdict
Choose Al Sagr National Insurance if you need a larger provider network, lower entry-level premiums. Choose GIG Gulf if you prioritise 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 GIG Gulf — FAQ
Which is better, Al Sagr National Insurance or GIG Gulf?
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. GIG Gulf has 782 providers across 8 cities with 3 plans from AED 2,800/yr. Choose Al Sagr National Insurance if you need a larger provider network, lower entry-level premiums. Choose GIG Gulf if you prioritise more plan tiers to choose from, more comprehensive coverage options, presence in 8 cities.
Is Al Sagr National Insurance cheaper than GIG Gulf?
Yes, Al Sagr National Insurance's entry-level plan starts from AED 2,200/yr, compared to GIG Gulf's cheapest plan at AED 2,800/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 Sagr National Insurance or GIG Gulf?
Al Sagr National Insurance has a larger Dubai network with 429 providers, compared to GIG Gulf's 426 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does Al Sagr National Insurance or GIG Gulf 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 GIG Gulf offers up to AED 8,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Al Sagr National Insurance to GIG Gulf?
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 GIG Gulf (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 GIG Gulf have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Al Sagr National Insurance and GIG Gulf plans?
Use the UAE Health Insurance Navigator on this page to compare Al Sagr National Insurance and GIG Gulf side-by-side. Key factors to compare: (1) Annual premium — Al Sagr National Insurance starts from AED 2,200/yr, GIG Gulf from AED 2,800/yr, (2) Network size — 801 vs 782 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 GIG Gulf or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory.