Al Sagr National Insurance vs Noor Takaful
UAE Health Insurance Comparison 2026
Al Sagr National Insurance
private4,881 providers
2 plans
Est. 1979
HAAD, DHA regulated
Noor Takaful
private5,022 providers
2 plans
Est. 2009
DHA, HAAD regulated
Al Sagr National Insurance has 2 plans starting from AED 2,200/yr with 4,881 providers across 8 cities. Noor Takaful has 2 plans starting from AED 2,600/yr with 5,022 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Al Sagr National Insurance vs Noor Takaful — At a Glance
| Attribute | Al Sagr National Insurance | Noor Takaful |
|---|---|---|
| Type | private | private |
| Founded | 1979 | 2009 |
| Headquarters | Dubai | Dubai |
| Regulators | HAAD, DHA | DHA, HAAD |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,200 – 10,000 | AED 2,600 – 11,000 |
| Total Network Size | 4,881 | 5,022 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 02-641-7755 | 800-6667 |
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 | Noor Takaful |
|---|---|---|---|
| Dubai | 2,596 | vs | 2,779 |
| Abu Dhabi | 1,396 | vs | 991 |
| Sharjah | 352 | vs | 748 |
| Al Ain | 231 | vs | 202 |
| Ajman | 143 | vs | 134 |
| Ras Al Khaimah | 89 | vs | 89 |
| Fujairah | 58 | vs | 64 |
| Umm Al Quwain | 16 | vs | 15 |
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 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 →Noor Takaful Plans
Noor Takaful
Noor Basic Takaful Health
SMEs in Dubai and Abu Dhabi seeking Sharia-compliant health coverage
AED 2,600 – 4,600/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
5,022 providers
View details →Noor Takaful
Noor Enhanced Takaful Health
Corporate employees and families wanting Takaful enhanced cover
AED 5,500 – 11,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
5,022 providers
View details →Verdict
Choose Al Sagr National Insurance if you need lower entry-level premiums. Choose Noor Takaful 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 Sagr National Insurance vs Noor Takaful — FAQ
Which is better, Al Sagr National Insurance or Noor Takaful?
It depends on your needs. Al Sagr National Insurance has 4,881 providers across 8 cities and offers 2 plans starting from AED 2,200/yr. Noor Takaful has 5,022 providers across 8 cities with 2 plans from AED 2,600/yr. Choose Al Sagr National Insurance if you need lower entry-level premiums. Choose Noor Takaful if you prioritise a larger provider network, more comprehensive coverage options.
Is Al Sagr National Insurance cheaper than Noor Takaful?
Yes, Al Sagr National Insurance's entry-level plan starts from AED 2,200/yr, compared to Noor Takaful's cheapest plan at AED 2,600/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 Noor Takaful?
Noor Takaful has a larger Dubai network with 2,779 providers, compared to Al Sagr National Insurance's 2,596 providers. Network sizes are based on the UAE Open Healthcare Directory data.
Does Al Sagr National Insurance or Noor Takaful 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 Noor Takaful offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Al Sagr National Insurance to Noor Takaful?
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 Noor Takaful (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 Noor Takaful have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Al Sagr National Insurance and Noor Takaful plans?
Use the UAE Health Insurance Navigator on this page to compare Al Sagr National Insurance and Noor Takaful side-by-side. Key factors to compare: (1) Annual premium — Al Sagr National Insurance starts from AED 2,200/yr, Noor Takaful from AED 2,600/yr, (2) Network size — 4,881 vs 5,022 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 Noor Takaful or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.