Question 1

Which is better, Allianz Care or Union 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. Union Insurance has 6,349 providers across 8 cities with 2 plans from AED 2,300/yr. Choose Allianz Care if you need a larger provider network, more comprehensive coverage options. Choose Union Insurance if you prioritise lower entry-level premiums.

Question 2

Is Allianz Care cheaper than Union Insurance?

Accepted Answer

No, Union Insurance's entry-level plan starts from AED 2,300/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 Union Insurance?

Accepted Answer

Allianz Care has a larger Dubai network with 4,573 providers, compared to Union Insurance's 3,229 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does Allianz Care or Union 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 Union Insurance offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

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

Question 6

How do I compare Allianz Care and Union Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Allianz Care and Union Insurance side-by-side. Key factors to compare: (1) Annual premium — Allianz Care starts from AED 6,500/yr, Union Insurance from AED 2,300/yr, (2) Network size — 7,667 vs 6,349 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	Union Insurance
Type	private	private
Founded	1890	1998
Headquarters	Dubai (ME office)	Dubai
Regulators	DHA, HAAD, MOHAP	HAAD, DHA
Number of Plans	2	2
Premium Range	AED 6,500 – 32,000	AED 2,300 – 10,500
Total Network Size	7,667	6,349
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	02-677-5050

City	Allianz Care	vs	Union Insurance
Dubai	4,573	vs	3,229
Abu Dhabi	1,765	vs	1,646
Sharjah	570	vs	838
Al Ain	316	vs	237
Ajman	180	vs	162
Ras Al Khaimah	137	vs	133
Fujairah	94	vs	77
Umm Al Quwain	32	vs	27

Allianz Care vs Union Insurance

Allianz Care

Union Insurance

Allianz Care vs Union Insurance — At a Glance

Network Comparison by City

Allianz Care Plans

Allianz MyHealth Standard

Allianz MyHealth Premium

Union Insurance Plans

Union Basic Health

Union Enhanced Health

Verdict

Allianz Care vs Union Insurance — FAQ

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