Alliance Insurance vs Union Insurance
UAE Health Insurance Comparison 2026
Alliance Insurance
private4,684 providers
2 plans
Est. 1975
DHA regulated
Union Insurance
private6,279 providers
2 plans
Est. 1998
HAAD, DHA regulated
Alliance Insurance has 2 plans starting from AED 2,500/yr with 4,684 providers across 8 cities. Union Insurance has 2 plans starting from AED 2,300/yr with 6,279 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Alliance Insurance vs Union Insurance — At a Glance
| Attribute | Alliance Insurance | Union Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1975 | 1998 |
| Headquarters | Dubai | Dubai |
| Regulators | DHA | HAAD, DHA |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 11,500 | AED 2,300 – 10,500 |
| Total Network Size | 4,684 | 6,279 |
| 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% |
| Claims Phone | 04-263-2222 | 02-677-5050 |
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 | Union Insurance |
|---|---|---|---|
| Dubai | 2,890 | vs | 3,178 |
| Abu Dhabi | 599 | vs | 1,644 |
| Sharjah | 716 | vs | 832 |
| Al Ain | 183 | vs | 232 |
| Ajman | 138 | vs | 162 |
| Ras Al Khaimah | 87 | vs | 129 |
| Fujairah | 54 | vs | 75 |
| Umm Al Quwain | 17 | vs | 27 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Alliance Insurance Plans
Alliance Insurance
Alliance Basic Health
SMEs in Dubai meeting DHA mandatory requirements
AED 2,500 – 4,500/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
4,684 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
4,684 providers
View details →Union Insurance Plans
Union Insurance
Union Basic Health
SMEs in Abu Dhabi and Dubai meeting mandatory requirements
AED 2,300 – 4,200/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
6,279 providers
View details →Union Insurance
Union Enhanced Health
Corporate employees and families in Abu Dhabi and Dubai
AED 5,000 – 10,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
6,279 providers
View details →Verdict
Choose Alliance Insurance if you need strong coverage and established reputation. Choose Union Insurance if you prioritise a larger provider network, 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 Union Insurance — FAQ
Which is better, Alliance Insurance or Union Insurance?
It depends on your needs. Alliance Insurance has 4,684 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. Union Insurance has 6,279 providers across 8 cities with 2 plans from AED 2,300/yr. Choose Alliance Insurance if you need strong coverage and established reputation. Choose Union Insurance if you prioritise a larger provider network, lower entry-level premiums.
Is Alliance Insurance cheaper than Union Insurance?
No, Union 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 Union Insurance?
Union Insurance has a larger Dubai network with 3,178 providers, compared to Alliance Insurance's 2,890 providers. Network sizes are based on the UAE Open Healthcare Directory data.
Does Alliance Insurance or Union 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 Union Insurance offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Alliance Insurance to Union 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 Union 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 Union Insurance have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Alliance Insurance and Union Insurance plans?
Use the UAE Health Insurance Navigator on this page to compare Alliance Insurance and Union Insurance side-by-side. Key factors to compare: (1) Annual premium — Alliance Insurance starts from AED 2,500/yr, Union Insurance from AED 2,300/yr, (2) Network size — 4,684 vs 6,279 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.
Related Comparisons
Disclaimer: Plan details, premiums, and network sizes are indicative, based on publicly available UAE insurance market data. Obtain personalised quotes from Alliance Insurance and Union Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.