Allianz Care vs Salama Islamic Insurance
UAE Health Insurance Comparison 2026
Allianz Care
private7,416 providers
2 plans
Est. 1890
DHA, DOH, MOHAP regulated
Salama Islamic Insurance
private5,657 providers
2 plans
Est. 1979
DHA, DOH, MOHAP regulated
Allianz Care has 2 plans from AED 6,500 a year and 7,416 in-network providers in 8 cities. Salama Islamic Insurance has 2 plans from AED 2,500 a year and 5,657 in-network providers in 8 cities. Both insurers have the most providers in Dubai. Network counts are providers in the UAE Open Healthcare Directory that list each insurer; premiums are indicative.
Allianz Care vs Salama Islamic Insurance — At a Glance
| Attribute | Allianz Care | Salama Islamic Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1890 | 1979 |
| Headquarters | Dubai (ME office) | Dubai |
| Regulators | DHA, DOH, MOHAP | DHA, DOH, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 6,500 – 32,000 | AED 2,500 – 13,000 |
| Total Network Size | 7,416 | 5,657 |
| 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% |
| Phone (from the insurer's website) | See allianzcare.com | 800 725262 (SALAMA) |
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 | Salama Islamic Insurance |
|---|---|---|---|
| Dubai | 4,391 | vs | 3,036 |
| Abu Dhabi | 1,726 | vs | 1,189 |
| Sharjah | 566 | vs | 878 |
| Al Ain | 304 | vs | 224 |
| Ajman | 177 | vs | 135 |
| Ras Al Khaimah | 130 | vs | 106 |
| Fujairah | 91 | vs | 65 |
| Umm Al Quwain | 31 | vs | 24 |
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
7,416 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
7,416 providers
View details →Salama Islamic Insurance Plans
Salama Islamic Insurance
Salama Basic Takaful Health
Employers seeking Sharia-compliant mandatory health coverage across UAE
AED 2,500 – 5,000/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
5,657 providers
View details →Salama Islamic Insurance
Salama Enhanced Takaful Health
Corporate employees and families across UAE wanting enhanced Takaful
AED 6,000 – 13,000/yr
Annual limit: AED 750,000 · semi-private room · 20% co-pay
5,657 providers
View details →Verdict
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. 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 Salama Islamic Insurance — FAQ
Which is better, Allianz Care or Salama Islamic Insurance?
It depends on your needs. Allianz Care has 7,416 providers across 8 cities and offers 2 plans starting from AED 6,500/yr. Salama Islamic Insurance has 5,657 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.
Is Allianz Care cheaper than Salama Islamic Insurance?
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.
Which has a bigger network in Dubai, Allianz Care or Salama Islamic Insurance?
Allianz Care has a larger Dubai network with 4,391 providers, compared to Salama Islamic Insurance's 3,036 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does Allianz Care or Salama Islamic 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 Salama Islamic Insurance offers up to AED 4,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Allianz Care to Salama Islamic 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 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.
How do I compare Allianz Care and Salama Islamic Insurance plans?
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 — 7,416 vs 5,657 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 Salama Islamic Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory.