Al Sagr National Insurance vs Thiqa
UAE Health Insurance Comparison 2026
Al Sagr National Insurance
private4,881 providers
2 plans
Est. 1979
HAAD, DHA regulated
Thiqa
premium8,142 providers
1 plan
Est. 2005
HAAD regulated
Al Sagr National Insurance has 2 plans starting from AED 2,200/yr with 4,881 providers across 8 cities. Thiqa has 1 plan starting from AED 0/yr with 8,142 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Al Sagr National Insurance vs Thiqa — At a Glance
| Attribute | Al Sagr National Insurance | Thiqa |
|---|---|---|
| Type | private | premium |
| Founded | 1979 | 2005 |
| Headquarters | Dubai | Abu Dhabi |
| Regulators | HAAD, DHA | HAAD |
| Number of Plans | 2 | 1 |
| Premium Range | AED 2,200 – 10,000 | AED 0 – 0 |
| Total Network Size | 4,881 | 8,142 |
| 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% |
| Claims Phone | 02-641-7755 | 800-42626 |
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 | Thiqa |
|---|---|---|---|
| Dubai | 2,596 | vs | 3,164 |
| Abu Dhabi | 1,396 | vs | 2,481 |
| Sharjah | 352 | vs | 922 |
| Al Ain | 231 | vs | 807 |
| Ajman | 143 | vs | 318 |
| Ras Al Khaimah | 89 | vs | 234 |
| Fujairah | 58 | vs | 170 |
| Umm Al Quwain | 16 | vs | 46 |
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 →Thiqa Plans
Thiqa
Thiqa
UAE nationals and their dependants in Abu Dhabi
Government-funded
Annual limit: Unlimited · private room · 0% co-pay
8,142 providers
View details →Verdict
Choose Al Sagr National Insurance if you need more plan tiers to choose from, more comprehensive coverage options. Choose Thiqa if you prioritise a larger provider network. 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 Thiqa — FAQ
Which is better, Al Sagr National Insurance or Thiqa?
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. Thiqa has 8,142 providers across 8 cities with 1 plans from AED 0/yr. Choose Al Sagr National Insurance if you need more plan tiers to choose from, more comprehensive coverage options. Choose Thiqa if you prioritise a larger provider network.
Is Al Sagr National Insurance cheaper than Thiqa?
No, Thiqa's entry-level plan starts from AED 0/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 Thiqa?
Thiqa has a larger Dubai network with 3,164 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 Thiqa 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 Thiqa offers up to AED 0/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Al Sagr National Insurance to Thiqa?
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 Thiqa (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 Thiqa have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Al Sagr National Insurance and Thiqa plans?
Use the UAE Health Insurance Navigator on this page to compare Al Sagr National Insurance and Thiqa side-by-side. Key factors to compare: (1) Annual premium — Al Sagr National Insurance starts from AED 2,200/yr, Thiqa from AED 0/yr, (2) Network size — 4,881 vs 8,142 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 Thiqa or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.