Question 1

Which is better, Alliance Insurance or National General Insurance?

Accepted Answer

It depends on your needs. Alliance Insurance has 4,748 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. National General Insurance has 5,012 providers across 8 cities with 2 plans from AED 2,000/yr. Choose Alliance Insurance if you need more comprehensive coverage options. Choose National General Insurance if you prioritise a larger provider network, lower entry-level premiums.

Question 2

Is Alliance Insurance cheaper than National General Insurance?

Accepted Answer

No, National General Insurance's entry-level plan starts from AED 2,000/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.

Question 3

Which has a bigger network in Dubai, Alliance Insurance or National General Insurance?

Accepted Answer

Alliance Insurance has a larger Dubai network with 2,941 providers, compared to National General Insurance's 1,776 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does Alliance Insurance or National General Insurance cover dental?

Accepted Answer

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 National General Insurance offers up to AED 2,500/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Alliance Insurance to National General Insurance?

Accepted Answer

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 National General 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 National General Insurance have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Alliance Insurance and National General Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Alliance Insurance and National General Insurance side-by-side. Key factors to compare: (1) Annual premium — Alliance Insurance starts from AED 2,500/yr, National General Insurance from AED 2,000/yr, (2) Network size — 4,748 vs 5,012 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.

Attribute	Alliance Insurance	National General Insurance
Type	private	private
Founded	1975	1980
Headquarters	Dubai	Dubai
Regulators	DHA	DHA, HAAD
Number of Plans	2	2
Premium Range	AED 2,500 – 11,500	AED 2,000 – 9,000
Total Network Size	4,748	5,012
Cities Covered	8	8
Dental	Yes	Yes
Optical	Yes	No
Maternity	Yes	Yes
Mental Health	Yes	No
International	No	No
Co-pay Range	20%	20%
Claims Phone	04-263-2222	02-619-1100

City	Alliance Insurance	vs	National General Insurance
Dubai	2,941	vs	1,776
Abu Dhabi	599	vs	1,811
Sharjah	721	vs	589
Al Ain	183	vs	482
Ajman	140	vs	160
Ras Al Khaimah	90	vs	109
Fujairah	56	vs	62
Umm Al Quwain	18	vs	23

Alliance Insurance vs National General Insurance

Alliance Insurance

National General Insurance

Alliance Insurance vs National General Insurance — At a Glance

Network Comparison by City

Alliance Insurance Plans

Alliance Basic Health

Alliance Corporate Health

National General Insurance Plans

NGI Basic Health

NGI Enhanced Health

Verdict

Alliance Insurance vs National General Insurance — FAQ

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