Allianz Care vs Salama Islamic 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. Salama Islamic Insurance has 5,768 providers across 8 cities with 2 plans from AED 2,500/yr. Choose Allianz Care if you need a larger provider network, more comprehensive coverage options. Choose Salama Islamic Insurance if you prioritise lower entry-level premiums.

No, Salama Islamic Insurance's entry-level plan starts from AED 2,500/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.

Allianz Care has a larger Dubai network with 4,491 providers, compared to Salama Islamic Insurance's 3,113 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

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 Salama Islamic Insurance offers up to AED 4,000/yr. Basic plans from both insurers typically exclude dental.

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 Salama Islamic 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 Salama Islamic Insurance have dedicated claims and onboarding teams to facilitate the transition.

Use the UAE Health Insurance Navigator on this page to compare Allianz Care and Salama Islamic Insurance side-by-side. Key factors to compare: (1) Annual premium — Allianz Care starts from AED 6,500/yr, Salama Islamic Insurance from AED 2,500/yr, (2) Network size — 7,562 vs 5,768 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.