Question 1

Which is better, Aetna International or National General Insurance?

Accepted Answer

It depends on your needs. Aetna International has 6,001 providers across 8 cities and offers 2 plans starting from AED 7,000/yr. National General Insurance has 5,012 providers across 8 cities with 2 plans from AED 2,000/yr. Choose Aetna International if you need a larger provider network, more comprehensive coverage options. Choose National General Insurance if you prioritise lower entry-level premiums.

Question 2

Is Aetna International cheaper than National General Insurance?

Accepted Answer

No, National General Insurance's entry-level plan starts from AED 2,000/yr, while Aetna International's cheapest plan begins at AED 7,000/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, Aetna International or National General Insurance?

Accepted Answer

Aetna International has a larger Dubai network with 3,779 providers, compared to National General Insurance's 1,776 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does Aetna International or National General Insurance cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. Aetna International's dental sub-limit goes up to AED 12,000/yr, while National General Insurance offers up to AED 2,500/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Aetna International to National General 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 Aetna International to National General 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 Aetna International and National General Insurance have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Aetna International and National General Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Aetna International and National General Insurance side-by-side. Key factors to compare: (1) Annual premium — Aetna International starts from AED 7,000/yr, National General Insurance from AED 2,000/yr, (2) Network size — 6,001 vs 5,012 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	Aetna International	National General Insurance
Type	private	private
Founded	1853	1980
Headquarters	Dubai	Dubai
Regulators	DHA, HAAD	DHA, HAAD
Number of Plans	2	2
Premium Range	AED 7,000 – 36,000	AED 2,000 – 9,000
Total Network Size	6,001	5,012
Cities Covered	8	8
Dental	Yes	Yes
Optical	Yes	No
Maternity	Yes	Yes
Mental Health	Yes	No
International	Yes	No
Co-pay Range	0% – 20%	20%
Claims Phone	800-423862	02-619-1100

City	Aetna International	vs	National General Insurance
Dubai	3,779	vs	1,776
Abu Dhabi	1,252	vs	1,811
Sharjah	391	vs	589
Al Ain	221	vs	482
Ajman	146	vs	160
Ras Al Khaimah	116	vs	109
Fujairah	78	vs	62
Umm Al Quwain	18	vs	23

Aetna International vs National General Insurance

Aetna International

National General Insurance

Aetna International vs National General Insurance — At a Glance

Network Comparison by City

Aetna International Plans

Aetna Core Health

Aetna Premier

National General Insurance Plans

NGI Basic Health

NGI Enhanced Health

Verdict

Aetna International vs National General Insurance — FAQ

Related Comparisons