Question 1

Which is better, Allianz Care or Fidelity United Insurance?

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. Fidelity United Insurance has 5,583 providers across 8 cities with 2 plans from AED 2,300/yr. Choose Allianz Care if you need a larger provider network, more comprehensive coverage options. Choose Fidelity United Insurance if you prioritise lower entry-level premiums.

Question 2

Is Allianz Care cheaper than Fidelity United Insurance?

Accepted Answer

No, Fidelity United Insurance's entry-level plan starts from AED 2,300/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 Fidelity United Insurance?

Accepted Answer

Allianz Care has a larger Dubai network with 4,573 providers, compared to Fidelity United Insurance's 3,434 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does Allianz Care or Fidelity United Insurance 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 Fidelity United Insurance offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Allianz Care to Fidelity United 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 Allianz Care to Fidelity United 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 Allianz Care and Fidelity United Insurance have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Allianz Care and Fidelity United Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Allianz Care and Fidelity United Insurance side-by-side. Key factors to compare: (1) Annual premium — Allianz Care starts from AED 6,500/yr, Fidelity United Insurance from AED 2,300/yr, (2) Network size — 7,667 vs 5,583 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	Fidelity United Insurance
Type	private	private
Founded	1890	1976
Headquarters	Dubai (ME office)	Dubai
Regulators	DHA, HAAD, MOHAP	DHA
Number of Plans	2	2
Premium Range	AED 6,500 – 32,000	AED 2,300 – 10,500
Total Network Size	7,667	5,583
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	04-263-2444

City	Allianz Care	vs	Fidelity United Insurance
Dubai	4,573	vs	3,434
Abu Dhabi	1,765	vs	686
Sharjah	570	vs	829
Al Ain	316	vs	219
Ajman	180	vs	244
Ras Al Khaimah	137	vs	95
Fujairah	94	vs	61
Umm Al Quwain	32	vs	15

Allianz Care vs Fidelity United Insurance

Allianz Care

Fidelity United Insurance

Allianz Care vs Fidelity United Insurance — At a Glance

Network Comparison by City

Allianz Care Plans

Allianz MyHealth Standard

Allianz MyHealth Premium

Fidelity United Insurance Plans

Fidelity Basic Health

Fidelity Corporate Health

Verdict

Allianz Care vs Fidelity United Insurance — FAQ

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