Question 1

Which is better, Allianz Care or Takaful Emarat?

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. Takaful Emarat has 8,040 providers across 8 cities with 2 plans from AED 2,500/yr. Choose Allianz Care if you need more comprehensive coverage options. Choose Takaful Emarat if you prioritise a larger provider network, lower entry-level premiums.

Question 2

Is Allianz Care cheaper than Takaful Emarat?

Accepted Answer

No, Takaful Emarat'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.

Question 3

Which has a bigger network in Dubai, Allianz Care or Takaful Emarat?

Accepted Answer

Allianz Care has a larger Dubai network with 4,573 providers, compared to Takaful Emarat's 4,174 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does Allianz Care or Takaful Emarat 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 Takaful Emarat offers up to AED 3,500/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Allianz Care to Takaful Emarat?

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 Takaful Emarat (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 Takaful Emarat have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Allianz Care and Takaful Emarat plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Allianz Care and Takaful Emarat side-by-side. Key factors to compare: (1) Annual premium — Allianz Care starts from AED 6,500/yr, Takaful Emarat from AED 2,500/yr, (2) Network size — 7,667 vs 8,040 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	Takaful Emarat
Type	private	private
Founded	1890	2008
Headquarters	Dubai (ME office)	Dubai
Regulators	DHA, HAAD, MOHAP	DHA, HAAD, MOHAP
Number of Plans	2	2
Premium Range	AED 6,500 – 32,000	AED 2,500 – 12,000
Total Network Size	7,667	8,040
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	800-825235

City	Allianz Care	vs	Takaful Emarat
Dubai	4,573	vs	4,174
Abu Dhabi	1,765	vs	1,628
Sharjah	570	vs	1,238
Al Ain	316	vs	332
Ajman	180	vs	411
Ras Al Khaimah	137	vs	160
Fujairah	94	vs	74
Umm Al Quwain	32	vs	23

Allianz Care vs Takaful Emarat

Allianz Care

Takaful Emarat

Allianz Care vs Takaful Emarat — At a Glance

Network Comparison by City

Allianz Care Plans

Allianz MyHealth Standard

Allianz MyHealth Premium

Takaful Emarat Plans

Takaful Emarat Basic Takaful

Takaful Emarat Enhanced Takaful

Verdict

Allianz Care vs Takaful Emarat — FAQ

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