# Al Sagr Health Insurance

**Published:** 2024-10-17
**Updated:** 2026-07-29
**Author:** Mousree Das
**Reviewer:** Toshita Chauhan
**Original Url:** https://www.policybazaar.ae/insurance-companies/al-sagr-health-insurance/

Al Sagr health insurance has cost-effective health insurance plans for both UAE nationals and expatriates. Their health insurance plans cover the requirements of each market segment, including families, elderly groups, and so on. With Al Sagr health insurance plans, one can have cutting-edge features and benefits from basic health insurance to maternity coverage. Al Sagr network hospital list is primarily managed by the two networks, NEXTCARE RN and NEXTCARE GN.

Regulatory credentials

Licensed by the Central Bank of the UAE **([Registration No. 123](https://cdn.policybazaar.ae/pbuae/images/IA-License-Renewal-2026.pdf))**

DHA Health Insurance Intermediary **Permit No.** [BRK-00041](https://www.isahd.ae/Home/PermittedIntermediaries)

Emirates Insurance Federation **Membership No.** [B81](https://static.pbcdn.ae/pbuae/images/Policybazaar-Middle-East-Insurance-Brokers-LLC.pdf)

 Information on this page is for general guidance only - not personalised financial or medical advice.

[Plans](https://www.policybazaar.ae/health-insurance/al-sagr-health-insurance-plans/)

[Renewal](https://www.policybazaar.ae/health-insurance/articles/how-to-renew-al-sagr-health-insurance-online/)

[Al Sagr Critical illness](https://www.policybazaar.ae/health-insurance/al-sagr-critical-illness-health-insurance/)

[Al Sagr Senior Citizen](https://www.policybazaar.ae/health-insurance/al-sagr-senior-citizen-health-insurance/)

[Claim Form](https://www.policybazaar.ae/health-insurance/articles/al-sagr-health-insurance-claim-or-reimbursement-form/)

[Network Hospital](https://www.policybazaar.ae/network-hospitals/al-sagr-insurance-hospital-list-dubai/)

[Customer Care](https://www.policybazaar.ae/health-insurance/articles/al-sagr-health-insurance-contact-number/)

Al Sagr National Insurance Company or ASNIC works towards offering the most cost-effective services to their customers. It involves the benefit of professional management of the services it offers.

With expertise in the field of health insurance, the ASNIC has carefully designed a host of Al Sagr Health Insurance plans. These ASNIC health insurance products are suitable for groups as well as individuals.

The family and individual plans provide a variety of compliant products that include enhancing comprehensive, basic coverage. This coverage depends upon the visa type of the member. These insurance plans offer unique benefits that suit all the needs of the policyholder.

## Top Al Sagr Health Insurance Plans in the UAE

Here are the best Al Sagr Health Insurance Plans in Dubai, UAE:

| Plan Name | Medical Cover (AED) | Pharmacy Limit |
| --- | --- | --- |
| **Steel** | 1,50,000 | Upto AED 1,500 |
| **Bronze** | 1,50,000 | Upto AED 2,000 |
| **Silver** | 1,50,000 | Upto Medical Cover |
| **Gold** | 2,50,000 | Upto Medical Cover |
| **Diamond** | 5,00,000 | Upto Medical Cover |
| **Platinum** | 10,00,000 | Upto Medical Cover |
| **See More Plans >>>** |

## Features of Steel Insurance Plan

**1) Maternity Cover**

(a) Outpatient Maternity Services

*   Prior approval from the insurance provider required
*   9 months waiting period for non-working married women

(b) Inpatient Maternity Services – Benefit of up to AED 7,000 for each normal delivery and AED 10,000 for medically mandatory C-section and related complications

(c) New Born Cover – Provided 30 days from the date of birth

**2) Outpatient Services** – 20% co-insurance upon outpatient consultation, AED 50 on all outpatient consultations (whichever is less)

**3) Inpatient Services –**

(a) Room Type – Semi-private room for up to AED 450 per day

(b) Ambulance Service

(c) Companion Accommodation - up to AED 200 per night stay

**4) Territorial Coverage –** UAE

**5) Network Name –**

(a) Outpatient Services – NEXTCARE-PCP

(b) Inpatient and Emergency Services – NEXTCARE-RN3

**6) Other Services –**

*   Laboratory Test
*   Radiology Diagnostics
*   Physiotherapy
*   Tests, treatments, and diagnoses associated with surgeries in the hospital
*   Healthcare services for emergency cases
*   Emergency treatment
*   Essential vaccines and preventive services

## Features of Bronze Insurance Plan

**1) Maternity Cover**

(a) Outpatient Maternity Services

*   Provided after prior approval from the insurance provider
*   9 months waiting period applicable for non-working married women

(b) Inpatient Maternity Services – Benefit of up to AED 7,000 for each normal delivery and AED 10,000 for medically necessary C-section and related complications

(c) New Born Cover – Covered from 30 days from the date of birth

**2) Dental and Gum Treatment** – Emergency treatment to save or eliminate the danger to life (subject to 20% co-insurance)

**3) Hearing and Vision Aids** - Emergency treatment to protect or eliminate the danger to life (subject to 20% co-insurance)

**4) Outpatient Services** – 20% co-insurance upon outpatient consultation, AED 50 on all outpatient consultations (whichever is less)

**5) Inpatient Services** –

*   Room Type – Semi-private room for up to AED 450 per day
*   Ambulance Service
*   Companion Accommodation - up to AED 200 per night stay provided

**6) Pre-existing and Chronic Conditions** **–** Waiting period of 6 months

**7) Network –**

*   Outpatient Services – NEXTCARE-RN3
*   Inpatient Services – NEXTCARE-RN3

**8) Other Services** –

*   Laboratory Test
*   Radiology Diagnostics
*   Physiotherapy
*   Treatments, tests, and diagnoses related to surgeries in the hospital
*   Healthcare services for emergency cases
*   Emergency treatment
*   Essential vaccines and preventive services

  

## Features for Silver

**1) Maternity Cover**

(a) Outpatient Maternity Services

*   Prior approval from the insurance provider needed
*   A waiting period of 9 months would apply in the case of non-working married women

(b) Inpatient Maternity Services – Benefit of up to AED 7,000 for each normal delivery and up to AED 10,000 for medically mandatory C-section and related complications

(c) New Born Cover – Covered from 30 days from the date of birth

**2) Dental and Gum Treatment –** Emergency treatment to save or eliminate the danger to life (subject to 20% co-insurance)

**3) Hearing and Vision Aids -** Emergency treatment to protect or eliminate the danger to life (subject to 20% co-insurance)

**4) Outpatient Services –** 20% co-insurance upon outpatient consultation, AED 50 on all outpatient consultations (the lesser of the two)

**5) Inpatient Services –**

*   Room Type – Semi-private room for up to AED 450 per day
*   Ambulance Service
*   Companion Accommodation up to AED 200 per night stay

**6) Pre-existing and Chronic Conditions –** Waiting period of 6 months

**7) Network –**

*   Outpatient Services – NEXTCARE-RN3
*   Inpatient Services – NEXTCARE-RN3

**8) Other Services –**

*   Laboratory Test
*   Radiology Diagnostics
*   Physiotherapy
*   Tests, diagnoses, and treatments concerning surgeries in the hospital
*   Healthcare services for emergency cases
*   Emergency treatment
*   Essential vaccines and preventive services

  

## Features of Gold Plan –

**1) Maternity Cover**

(a) Outpatient Maternity Services

*   Requires prior approval from the insurance provider
*   9 months waiting period for non-working married women

(b) Inpatient Maternity Services – Benefit of up to AED 7,000 for every normal delivery and AED 10,000 for medically mandatory C-section and associated complications

(c) New Born Cover – Covered from 30 days from the date of birth

**2) New Born Cover –** Covered from 30 days from the date of birth

**3) Dental and Gum Treatment –** Emergency treatment to save or eliminate the danger to life (subject to 20% co-insurance)

**4) Hearing and Vision Aids -** Emergency treatment to protect or eliminate the danger to life (subject to 20% co-insurance)

5) Outpatient Services – 20% co-insurance upon outpatient consultation, AED 50 on all outpatient consultations (whichever of the two is less)

**6) Inpatient Services –**

*   Room Type – Private Room
*   Ambulance Service
*   Companion Accommodation up to AED 200 per night stay

**7) re-existing and Chronic Conditions –** Waiting period of 6 months

**8) Network –**

*   Outpatient Services – NEXTCARE-RN
*   Inpatient Services – NEXTCARE-RN

**9) Other Services –-**

*   Laboratory Test
*   Radiology Diagnostics
*   Physiotherapy – maximum 7 sessions per year
*   Tests, treatments, and diagnoses associated with surgeries in the hospital
*   Healthcare services for emergency cases
*   Emergency treatment
*   Essential vaccines and preventive services

## Related Health Insurance

 

[Family Health Insurance](https://www.policybazaar.ae/family-health-insurance-hic/)

[Senior Citizen Health Insurance](https://www.policybazaar.ae/senior-citizen-health-insurance-hic/)

[Individual Health Insurance](https://www.policybazaar.ae/individual-health-insurance-hic/)

[Critical Illness Health Insurance](https://www.policybazaar.ae/critical-illness-health-insurance-hic/)

[Health Insurance for Kids](https://www.policybazaar.ae/health-insurance-for-kids-hiart/)

[Private Medical Insurance](https://www.policybazaar.ae/health-insurance/private-medical-insurance/)

## Features of Diamond Insurance Plan

**1) Coverage Area –** Worldwide (except the USA and Canada)

**2) Maternity Cover**

(a) Outpatient Maternity Services

*   Prior approval from the insurance provider mandatory
*   9 months’ waiting period for non-working married women

(b) Inpatient Maternity Services – Benefit of up to AED 7,000 provided for each normal delivery and AED 10,000 for medically mandatory C-section and related complications

(c) New Born Cover – Covered from 30 days from the date of birth

**3) Dental and Gum Treatment –** Emergency treatment to save or eliminate the danger to life (subject to 20% co-insurance)

**4) Hearing and Vision Aids -** Emergency treatment to protect or eliminate the danger to life (subject to 20% co-insurance)

**5) Outpatient Services –** 20% co-insurance upon outpatient consultation, AED 50 on all outpatient consultation (whichever is less)

**6) Inpatient Services –**

*   Room Type – Private Room
*   Ambulance Service
*   Companion Accommodation up to AED 200 per night stay

**7) Pre-existing and Chronic Conditions –** Waiting period of 6 months

**8) Network –**

*   Outpatient Services – NEXTCARE-RN
*   Inpatient Services – NEXTCARE-RN

**9) Other Services –**

*   Laboratory Test
*   Radiology Diagnostics
*   Physiotherapy – only up to 7 sessions per year
*   Diagnoses, treatments, and tests associated with surgeries in hospitals
*   Healthcare services for emergency cases
*   Emergency treatment
*   Essential vaccines and preventive services

## Features of Platinum Plan –

**1) Coverage Area –** Worldwide

**2) Maternity Cover**

(a) Outpatient Maternity Services

*   Prior approval from the insurance provider necessary
*   Waiting period of 9 months applying in the case of non-working married women

(b) Inpatient Maternity Services – Benefit of up to AED 15,000 for each normal delivery and AED 20,000 for medically mandatory C-section and related complications

(c) New Born Cover – Covered from 30 days from the date of birth

**3) Dental and Gum Treatment –** Emergency treatment necessary to save a life (subject to 20% co-insurance)

**4) Hearing and Vision Aids -** Emergency treatment to protect or eliminate the danger to life (subject to 20% co-insurance)

**5) Outpatient Services –** 20% co-insurance as per outpatient consultation, AED 50 on all outpatient consultation (whichever is less) – a 10% co-insurance would apply for the American hospital

**6) Inpatient Services –**

*   Room Type – Private Room
*   Ambulance Service
*   Companion Accommodation up to AED 200 per night stay

**7) Pre-existing and Chronic Conditions –** Waiting period of 6 months

**8) Network –**

*   Outpatient Services – NEXTCARE-GN
*   Inpatient Services – NEXTCARE-GN

**9) Other Services –**

*   Laboratory Test
*   Radiology Diagnostics
*   Physiotherapy – at most 7 sessions per year (requires prior approval of the insurance company)
*   Tests, treatments, and diagnoses associated with surgeries in the hospital (approval needed from the insurance company or TPA)
*   Healthcare services for emergency cases
*   Emergency treatment (requires approval from the insurance provider within 24 hours of hospitalisation in a network hospital)
*   Essential vaccines and preventive services

## Network Hospital

[Al Sagr Insurance Network Hospita](https://www.policybazaar.ae/network-hospitals/al-sagr-insurance-hospital-list-dubai/)l List is primarily managed by two networks, NEXTCARE RN and NEXTCARE GN. The Gold plan is managed by NEXTCARE RN list of the provider network, the Silver and Bronze plans are managed by NEXTCARE RN2, and the Platinum and Diamond plans are managed by NEXTCARE GN.

Al Sagar Network Hospitals

[Al Sagr Network Hospital in Abu Dhabi](https://www.policybazaar.ae/network-hospitals/al-sagr-insurance-hospital-list-abu-dhabi/)

[Al Sagr Network Hospital in Ajman](https://www.policybazaar.ae/network-hospitals/al-sagr-insurance-hospital-list-ajman/)

[Al Sagr Network Hospital in Al Ain](https://www.policybazaar.ae/network-hospitals/al-sagr-insurance-hospital-list-al-ain/)

[Al Sagr Network Hospital in Dubai](https://www.policybazaar.ae/network-hospitals/al-sagr-insurance-hospital-list-dubai/)

[Al Sagr Network Hospital in Fujairah](https://www.policybazaar.ae/network-hospitals/al-sagr-insurance-hospital-list-fujairah/)

[Al Sagr Network Hospital in Ras Al Khaimah](https://www.policybazaar.ae/network-hospitals/al-sagr-insurance-hospital-list-ras-al-khaimah/)

[Al Sagr Network Hospital in Sharjah](https://www.policybazaar.ae/network-hospitals/al-sagr-insurance-hospital-list-sharjah/)

[Al Sagr Network Hospital in Umm Al Quwain](https://www.policybazaar.ae/network-hospitals/al-sagr-insurance-hospital-list-umm-al-quwain/)

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## Types of Al Sagr Health Insurance

Following are the types of Al Sagr [Health Insurance Dubai](https://www.policybazaar.ae/health-insurance/) Plans.

1.  _Abu Dhabi Health Plans_ (for those members who are based in Al Ain and Abu Dhabi)
2.  _Dubai Health Plans_ (for Visa holders of Dubai, based in the Emirate of Dubai)
3.  _North Emirates Health Plans_ (for the Visa holders of North Emirates)

## Al Sagr Health Insurance Inclusions

Following are some of the inclusions on this Al Sagr Medical Insurance as classified under the benefits they offer.

| Category | Inclusions |
| --- | --- |
| **Out-Patient Benefits** | Consultation charges for specialists as well as general practitioners<br>Physiotherapy<br>Cost of radiology services and prescribed laboratory<br>Expenses on prescribed medications through licensed pharmacies |
| **In-Patient Benefits** | Charges incurred on hospitalization (accommodation & other services in the hospital)<br>Fees charged by the doctor<br>Medications (prescribed)<br>Other medical costs including the Operation Theater |
| **Additional Benefits** | Optical Benefits<br>Dental Benefits<br>Many more additional benefits |
| **Free of Cost Built-in Benefits** | Second Medical Consultation or Opinion<br>International Assistance |

_Note: The Al Sagr Health Insurance Policy includes a variety of comprehensive covers. The covers not included in this policy are the exclusions of the policy._

### **Al Sagr Health Insurance FAQ's**

### Which Emirates of the UAE does this health insurance operate in?

Al Sagr National Insurance Company has licenses for operating in all the Emirates of the UAE.

### What all health authorities are involved in this Al Sagr Medical Insurance?

The following health authorities are involved in this medical insurance.

1.  DOH (_Abu Dhabi Department of Health)_ gives the license to provide health insurance for the Visa holders of the Emirates of Abu Dhabi.
2.  DHA (_Dubai Health Authority)_ HIP _(Health Insurance Permit)_ for operating in Dubai for the Visa holders of Dubai.

### Which medical providers are involved in this health insurance policy?

The ASNIC has contracted with NAS and Next Care for administrating their policies. These health providers are equipped in providing you with efficient and required health care.

### What all additional covers are offered in this Al Sagr Health Insurance?

You can avail optical benefits, dental benefits, and various other additional benefits on this health insurance.

### Are there any free of cost benefits included in this policy?

Yes. You can avail international assistance as well as a second medical opinion under the free of cost built-in benefits.

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Check Al Sagr Health Insurance Plans in UAE

[Al Sagr - Asasi Dependents](https://www.policybazaar.ae/health-insurance/al-sagr-asasi-dependents/)

[Al Sagr - Asasi Employee](https://www.policybazaar.ae/health-insurance/al-sagr-asasi-employee/)

[Al Sagr - Bronze](https://www.policybazaar.ae/health-insurance/al-sagr-bronze/)

[Al Sagr - Diamond - Plan A](https://www.policybazaar.ae/health-insurance/al-sagr-diamond-plan-a/)

[Al Sagr - Diamond - Plan B](https://www.policybazaar.ae/health-insurance/al-sagr-diamond-plan-b/)

[Al Sagr - Gold - Plan A](https://www.policybazaar.ae/health-insurance/al-sagr-gold-plan-a/)

[Al Sagr - Gold - Plan B](https://www.policybazaar.ae/health-insurance/al-sagr-gold-plan-b/)

[Al Sagr - Northern Emirates Basic 1](https://www.policybazaar.ae/health-insurance/al-sagr-northern-emirates-basic-1/)

[Al Sagr - Northern Emirates Basic 2](https://www.policybazaar.ae/health-insurance/al-sagr-northern-emirates-basic-2/)

[Al Sagr - Platinum - Plan A](https://www.policybazaar.ae/health-insurance/al-sagr-platinum-plan-a/)

[Al Sagr - Platinum - Plan B](https://www.policybazaar.ae/health-insurance/al-sagr-platinum-plan-b/)

[Al Sagr - Silver - Plan A](https://www.policybazaar.ae/health-insurance/al-sagr-silver-plan-a/)

[Al Sagr - Silver - Plan B](https://www.policybazaar.ae/health-insurance/al-sagr-silver-plan-b/)

[Al Sagr - Steel](https://www.policybazaar.ae/health-insurance/al-sagr-steel/)

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*   [AL Sagr National Car Insurance](https://www.policybazaar.ae/al-sagr-national-car-insurance-cipvd/)