Alliance Insurance vs Fidelity United Insurance
UAE Health Insurance Comparison 2026
Alliance Insurance
private4,586 providers
2 plans
Est. 1975
DHA regulated
Fidelity United Insurance
private679 providers
2 plans
Est. 1976
DHA regulated
Alliance Insurance has 2 plans from AED 2,500 a year and 4,586 in-network providers in 8 cities. Fidelity United Insurance has 2 plans from AED 2,300 a year and 679 in-network providers in 7 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.
Alliance Insurance vs Fidelity United Insurance — At a Glance
| Attribute | Alliance Insurance | Fidelity United Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1975 | 1976 |
| Headquarters | Dubai | Dubai |
| Regulators | DHA | DHA |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 11,500 | AED 2,300 – 10,500 |
| Total Network Size | 4,586 | 679 |
| Cities Covered | 8 | 7 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Phone (from the insurer's website) | 800 255 4262 | 800 842 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | Alliance Insurance | vs | Fidelity United Insurance |
|---|---|---|---|
| Dubai | 2,818 | vs | 356 |
| Sharjah | 709 | vs | 124 |
| Abu Dhabi | 587 | vs | 140 |
| Al Ain | 181 | vs | 0 |
| Ajman | 135 | vs | 33 |
| Ras Al Khaimah | 86 | vs | 19 |
| Fujairah | 53 | vs | 4 |
| Umm Al Quwain | 17 | vs | 3 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Alliance Insurance Plans
Alliance Insurance
Alliance Basic Health
SMEs in Dubai who need the mandatory cover
AED 2,500 – 4,500/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
4,586 providers
View details →Alliance Insurance
Alliance Corporate Health
Corporate employees in Dubai and Sharjah
AED 5,500 – 11,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
4,586 providers
View details →Fidelity United Insurance Plans
Fidelity United Insurance
Fidelity Basic Health
Small businesses in Dubai who need the mandatory cover
AED 2,300 – 4,200/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
679 providers
View details →Fidelity United Insurance
Fidelity Corporate Health
Corporate employees in Dubai
AED 5,000 – 10,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
679 providers
View details →Verdict
Choose Alliance Insurance if you need a larger provider network, presence in 8 cities. Choose Fidelity United Insurance if you prioritise lower entry-level premiums. 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.
Alliance Insurance vs Fidelity United Insurance — FAQ
Which is better, Alliance Insurance or Fidelity United Insurance?
It depends on your needs. Alliance Insurance has 4,586 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. Fidelity United Insurance has 679 providers across 7 cities with 2 plans from AED 2,300/yr. Choose Alliance Insurance if you need a larger provider network, presence in 8 cities. Choose Fidelity United Insurance if you prioritise lower entry-level premiums.
Is Alliance Insurance cheaper than Fidelity United Insurance?
No, Fidelity United Insurance's entry-level plan starts from AED 2,300/yr, while Alliance Insurance's cheapest plan begins at AED 2,500/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.
Which has a bigger network in Dubai, Alliance Insurance or Fidelity United Insurance?
Alliance Insurance has a larger Dubai network with 2,818 providers, compared to Fidelity United Insurance's 356 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does Alliance Insurance or Fidelity United Insurance cover dental?
Both insurers offer dental coverage on their enhanced and premium plans. Alliance Insurance's dental sub-limit goes up to AED 3,500/yr, while Fidelity United Insurance offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Alliance Insurance to Fidelity United Insurance?
Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Alliance Insurance to Fidelity United Insurance (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 Alliance Insurance and Fidelity United Insurance have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Alliance Insurance and Fidelity United Insurance plans?
Use the UAE Health Insurance Navigator on this page to compare Alliance Insurance and Fidelity United Insurance side-by-side. Key factors to compare: (1) Annual premium — Alliance Insurance starts from AED 2,500/yr, Fidelity United Insurance from AED 2,300/yr, (2) Network size — 4,586 vs 679 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 Alliance Insurance and Fidelity United Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory.