Alliance Insurance vs Takaful Emarat
UAE Health Insurance Comparison 2026
Alliance Insurance
private4,588 providers
2 plans
Est. 1975
DHA regulated
Takaful Emarat
private2,222 providers
2 plans
Est. 2008
DHA, DOH, MOHAP regulated
Alliance Insurance has 2 plans from AED 2,500 a year and 4,588 in-network providers in 8 cities. Takaful Emarat has 2 plans from AED 2,500 a year and 2,222 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 Takaful Emarat — At a Glance
| Attribute | Alliance Insurance | Takaful Emarat |
|---|---|---|
| Type | private | private |
| Founded | 1975 | 2008 |
| Headquarters | Dubai | Dubai |
| Regulators | DHA | DHA, DOH, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 11,500 | AED 2,500 – 12,000 |
| Total Network Size | 4,588 | 2,222 |
| 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 | 600 522550 |
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 | Takaful Emarat |
|---|---|---|---|
| Dubai | 2,818 | vs | 1,138 |
| Abu Dhabi | 587 | vs | 506 |
| Sharjah | 710 | vs | 279 |
| Al Ain | 181 | vs | 96 |
| Ajman | 135 | vs | 106 |
| Ras Al Khaimah | 87 | vs | 45 |
| Fujairah | 53 | vs | 33 |
| Umm Al Quwain | 17 | vs | 19 |
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 →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
2,222 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
2,222 providers
View details →Verdict
Choose Alliance Insurance if you need a larger provider network. Choose Takaful Emarat if you prioritise 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 Takaful Emarat — FAQ
Which is better, Alliance Insurance or Takaful Emarat?
It depends on your needs. Alliance Insurance has 4,588 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. Takaful Emarat has 2,222 providers across 8 cities with 2 plans from AED 2,500/yr. Choose Alliance Insurance if you need a larger provider network. Choose Takaful Emarat if you prioritise more comprehensive coverage options.
Is Alliance Insurance cheaper than Takaful Emarat?
Both Alliance Insurance and Takaful Emarat 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 Takaful Emarat?
Alliance Insurance has a larger Dubai network with 2,818 providers, compared to Takaful Emarat's 1,138 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does Alliance Insurance or Takaful Emarat 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 Takaful Emarat offers up to AED 3,500/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Alliance Insurance to Takaful Emarat?
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 Takaful Emarat (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 Takaful Emarat have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Alliance Insurance and Takaful Emarat plans?
Use the UAE Health Insurance Navigator on this page to compare Alliance Insurance and Takaful Emarat side-by-side. Key factors to compare: (1) Annual premium — Alliance Insurance starts from AED 2,500/yr, Takaful Emarat from AED 2,500/yr, (2) Network size — 4,588 vs 2,222 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 Takaful Emarat or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory.