Al Sagr National Insurance vs Takaful Emarat
UAE Health Insurance Comparison 2026
Al Sagr National Insurance
private4,938 providers
2 plans
Est. 1979
HAAD, DHA regulated
Takaful Emarat
private8,040 providers
2 plans
Est. 2008
DHA, HAAD, MOHAP regulated
Al Sagr National Insurance has 2 plans starting from AED 2,200/yr with 4,938 providers across 8 cities. Takaful Emarat has 2 plans starting from AED 2,500/yr with 8,040 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Al Sagr National Insurance vs Takaful Emarat — At a Glance
| Attribute | Al Sagr National Insurance | Takaful Emarat |
|---|---|---|
| Type | private | private |
| Founded | 1979 | 2008 |
| Headquarters | Dubai | Dubai |
| Regulators | HAAD, DHA | DHA, HAAD, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,200 – 10,000 | AED 2,500 – 12,000 |
| Total Network Size | 4,938 | 8,040 |
| 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 | 800-825235 |
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 | Takaful Emarat |
|---|---|---|---|
| Dubai | 2,641 | vs | 4,174 |
| Abu Dhabi | 1,396 | vs | 1,628 |
| Sharjah | 355 | vs | 1,238 |
| Al Ain | 235 | vs | 332 |
| Ajman | 146 | vs | 411 |
| Ras Al Khaimah | 91 | vs | 160 |
| Fujairah | 58 | vs | 74 |
| Umm Al Quwain | 16 | vs | 23 |
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
4,938 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
4,938 providers
View details →Takaful Emarat Plans
Takaful Emarat
Takaful Emarat Basic Takaful
Employers seeking Sharia-compliant mandatory health coverage
AED 2,500 – 4,800/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
8,040 providers
View details →Takaful Emarat
Takaful Emarat Enhanced Takaful
Corporate employees and families wanting Sharia-compliant enhanced cover
AED 5,500 – 12,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
8,040 providers
View details →Verdict
Choose Al Sagr National Insurance if you need lower entry-level premiums. Choose Takaful Emarat 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 Takaful Emarat — FAQ
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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 Takaful Emarat or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.