Alliance Insurance vs Salama Islamic Insurance
UAE Health Insurance Comparison 2026
Alliance Insurance
private4,588 providers
2 plans
Est. 1975
DHA regulated
Salama Islamic Insurance
private5,657 providers
2 plans
Est. 1979
DHA, DOH, MOHAP regulated
Alliance Insurance has 2 plans from AED 2,500 a year and 4,588 in-network providers in 8 cities. Salama Islamic Insurance has 2 plans from AED 2,500 a year and 5,657 in-network providers in 8 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 Salama Islamic Insurance — At a Glance
| Attribute | Alliance Insurance | Salama Islamic Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1975 | 1979 |
| Headquarters | Dubai | Dubai |
| Regulators | DHA | DHA, DOH, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 11,500 | AED 2,500 – 13,000 |
| Total Network Size | 4,588 | 5,657 |
| 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% |
| Phone (from the insurer's website) | 800 255 4262 | 800 725262 (SALAMA) |
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 | Salama Islamic Insurance |
|---|---|---|---|
| Dubai | 2,818 | vs | 3,036 |
| Abu Dhabi | 587 | vs | 1,189 |
| Sharjah | 710 | vs | 878 |
| Al Ain | 181 | vs | 224 |
| Ajman | 135 | vs | 135 |
| Ras Al Khaimah | 87 | vs | 106 |
| Fujairah | 53 | vs | 65 |
| Umm Al Quwain | 17 | vs | 24 |
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
4,588 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
4,588 providers
View details →Salama Islamic Insurance Plans
Salama Islamic Insurance
Salama Basic Takaful Health
Employers seeking Sharia-compliant mandatory health coverage across UAE
AED 2,500 – 5,000/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
5,657 providers
View details →Salama Islamic Insurance
Salama Enhanced Takaful Health
Corporate employees and families across UAE wanting enhanced Takaful
AED 6,000 – 13,000/yr
Annual limit: AED 750,000 · semi-private room · 20% co-pay
5,657 providers
View details →Verdict
Choose Alliance Insurance if you need strong coverage and established reputation. Choose Salama Islamic Insurance 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.
Alliance Insurance vs Salama Islamic Insurance — FAQ
Which is better, Alliance Insurance or Salama Islamic Insurance?
It depends on your needs. Alliance Insurance has 4,588 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. Salama Islamic Insurance has 5,657 providers across 8 cities with 2 plans from AED 2,500/yr. Choose Alliance Insurance if you need strong coverage and established reputation. Choose Salama Islamic Insurance if you prioritise a larger provider network, more comprehensive coverage options.
Is Alliance Insurance cheaper than Salama Islamic Insurance?
Both Alliance Insurance and Salama Islamic Insurance have entry-level plans starting from AED 2,500/yr. However, pricing varies by age, nationality, visa type, and employer. Compare enhanced and premium tiers for a full picture, and always obtain personalised quotes.
Which has a bigger network in Dubai, Alliance Insurance or Salama Islamic Insurance?
Salama Islamic Insurance has a larger Dubai network with 3,036 providers, compared to Alliance Insurance's 2,818 providers. Network sizes are based on the UAE Open Healthcare Directory data.
Does Alliance Insurance or Salama Islamic 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 Salama Islamic Insurance offers up to AED 4,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Alliance Insurance to Salama Islamic 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 Salama Islamic 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 Salama Islamic Insurance have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Alliance Insurance and Salama Islamic Insurance plans?
Use the UAE Health Insurance Navigator on this page to compare Alliance Insurance and Salama Islamic Insurance side-by-side. Key factors to compare: (1) Annual premium — Alliance Insurance starts from AED 2,500/yr, Salama Islamic Insurance from AED 2,500/yr, (2) Network size — 4,588 vs 5,657 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 Salama Islamic Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory.