Question 1

Which is better, Allianz Care or Emirates Insurance Company?

Accepted Answer

It depends on your needs. Allianz Care has 7,667 providers across 8 cities and offers 2 plans starting from AED 6,500/yr. Emirates Insurance Company has 5,672 providers across 8 cities with 2 plans from AED 2,200/yr. Choose Allianz Care if you need a larger provider network, more comprehensive coverage options. Choose Emirates Insurance Company if you prioritise lower entry-level premiums.

Question 2

Is Allianz Care cheaper than Emirates Insurance Company?

Accepted Answer

No, Emirates Insurance Company's entry-level plan starts from AED 2,200/yr, while Allianz Care's cheapest plan begins at AED 6,500/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, Allianz Care or Emirates Insurance Company?

Accepted Answer

Allianz Care has a larger Dubai network with 4,573 providers, compared to Emirates Insurance Company's 3,325 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does Allianz Care or Emirates Insurance Company cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. Allianz Care's dental sub-limit goes up to AED 10,000/yr, while Emirates Insurance Company offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Allianz Care to Emirates Insurance Company?

Accepted Answer

Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Allianz Care to Emirates Insurance Company (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 Allianz Care and Emirates Insurance Company have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Allianz Care and Emirates Insurance Company plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Allianz Care and Emirates Insurance Company side-by-side. Key factors to compare: (1) Annual premium — Allianz Care starts from AED 6,500/yr, Emirates Insurance Company from AED 2,200/yr, (2) Network size — 7,667 vs 5,672 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	Allianz Care	Emirates Insurance Company
Type	private	private
Founded	1890	1982
Headquarters	Dubai (ME office)	Abu Dhabi
Regulators	DHA, HAAD, MOHAP	DHA, MOHAP
Number of Plans	2	2
Premium Range	AED 6,500 – 32,000	AED 2,200 – 11,000
Total Network Size	7,667	5,672
Cities Covered	8	8
Dental	Yes	Yes
Optical	Yes	Yes
Maternity	Yes	Yes
Mental Health	Yes	Yes
International	Yes	No
Co-pay Range	0% – 20%	20%
Claims Phone	800-255426	800-364728

City	Allianz Care	vs	Emirates Insurance Company
Dubai	4,573	vs	3,325
Abu Dhabi	1,765	vs	714
Sharjah	570	vs	905
Al Ain	316	vs	227
Ajman	180	vs	295
Ras Al Khaimah	137	vs	112
Fujairah	94	vs	74
Umm Al Quwain	32	vs	20

Allianz Care vs Emirates Insurance Company

Allianz Care

Emirates Insurance Company

Allianz Care vs Emirates Insurance Company — At a Glance

Network Comparison by City

Allianz Care Plans

Allianz MyHealth Standard

Allianz MyHealth Premium

Emirates Insurance Company Plans

Emirates Essential Health

Emirates Corporate Health

Verdict

Allianz Care vs Emirates Insurance Company — FAQ

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