Question 1

Which is better, Allianz Care or RAK 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. RAK Insurance has 3,552 providers across 8 cities with 2 plans from AED 2,000/yr. Choose Allianz Care if you need a larger provider network, more comprehensive coverage options. Choose RAK Insurance if you prioritise lower entry-level premiums.

Question 2

Is Allianz Care cheaper than RAK Insurance?

Accepted Answer

No, RAK Insurance's entry-level plan starts from AED 2,000/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 RAK Insurance?

Accepted Answer

Allianz Care has a larger Dubai network with 4,573 providers, compared to RAK Insurance's 1,375 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does Allianz Care or RAK 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 RAK Insurance offers up to AED 2,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

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

Question 6

How do I compare Allianz Care and RAK Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Allianz Care and RAK Insurance side-by-side. Key factors to compare: (1) Annual premium — Allianz Care starts from AED 6,500/yr, RAK Insurance from AED 2,000/yr, (2) Network size — 7,667 vs 3,552 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	RAK Insurance
Type	private	private
Founded	1890	1974
Headquarters	Dubai (ME office)	Ras Al Khaimah
Regulators	DHA, HAAD, MOHAP	MOHAP
Number of Plans	2	2
Premium Range	AED 6,500 – 32,000	AED 2,000 – 8,500
Total Network Size	7,667	3,552
Cities Covered	8	8
Dental	Yes	Yes
Optical	Yes	No
Maternity	Yes	Yes
Mental Health	Yes	No
International	Yes	No
Co-pay Range	0% – 20%	20%
Claims Phone	800-255426	07-228-8444

City	Allianz Care	vs	RAK Insurance
Dubai	4,573	vs	1,375
Abu Dhabi	1,765	vs	618
Sharjah	570	vs	585
Ras Al Khaimah	137	vs	365
Al Ain	316	vs	186
Ajman	180	vs	238
Fujairah	94	vs	146
Umm Al Quwain	32	vs	39

Allianz Care vs RAK Insurance

Allianz Care

RAK Insurance

Allianz Care vs RAK Insurance — At a Glance

Network Comparison by City

Allianz Care Plans

Allianz MyHealth Standard

Allianz MyHealth Premium

RAK Insurance Plans

RAK Basic Health

RAK Enhanced Health

Verdict

Allianz Care vs RAK Insurance — FAQ

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