Allianz Care vs RAK Insurance
UAE Health Insurance Comparison 2026
Allianz Care
private7,562 providers
2 plans
Est. 1890
DHA, HAAD, MOHAP regulated
RAK Insurance
private3,503 providers
2 plans
Est. 1974
MOHAP regulated
Allianz Care has 2 plans starting from AED 6,500/yr with 7,562 providers across 8 cities. RAK Insurance has 2 plans starting from AED 2,000/yr with 3,503 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Allianz Care vs RAK Insurance — At a Glance
| 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 | 7,562 | 3,503 |
| 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 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | Allianz Care | vs | RAK Insurance |
|---|---|---|---|
| Dubai | 4,491 | vs | 1,356 |
| Abu Dhabi | 1,763 | vs | 618 |
| Sharjah | 568 | vs | 585 |
| Al Ain | 309 | vs | 183 |
| Ras Al Khaimah | 130 | vs | 346 |
| Ajman | 178 | vs | 234 |
| Fujairah | 92 | vs | 143 |
| Umm Al Quwain | 31 | vs | 38 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Allianz Care Plans
Allianz Care
Allianz MyHealth Standard
Expat professionals and families
AED 6,500 – 14,000/yr
Annual limit: AED 750,000 · semi-private room · 20% co-pay
7,562 providers
View details →Allianz Care
Allianz MyHealth Premium
Senior executives and high-net-worth expats
AED 18,000 – 32,000/yr
Annual limit: AED 2.0M · private room · 0% co-pay
7,562 providers
View details →RAK Insurance Plans
RAK Insurance
RAK Basic Health
Employees in Northern Emirates meeting MOHAP requirements
AED 2,000 – 3,500/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
3,503 providers
View details →RAK Insurance
RAK Enhanced Health
Corporate employees and families in Northern Emirates
AED 4,000 – 8,500/yr
Annual limit: AED 350,000 · semi-private room · 20% co-pay
3,503 providers
View details →Verdict
Choose Allianz Care if you need a larger provider network, more comprehensive coverage options. Choose RAK Insurance if you prioritise 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.
Allianz Care vs RAK Insurance — FAQ
Which is better, Allianz Care or RAK Insurance?
It depends on your needs. Allianz Care has 7,562 providers across 8 cities and offers 2 plans starting from AED 6,500/yr. RAK Insurance has 3,503 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.
Is Allianz Care cheaper than RAK Insurance?
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.
Which has a bigger network in Dubai, Allianz Care or RAK Insurance?
Allianz Care has a larger Dubai network with 4,491 providers, compared to RAK Insurance's 1,356 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does Allianz Care or RAK Insurance cover dental?
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.
Can I switch from Allianz Care to RAK Insurance?
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.
How do I compare Allianz Care and RAK Insurance plans?
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 — 7,562 vs 3,503 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 Allianz Care and RAK Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.