Al Dhafra Insurance vs Dubai National Insurance
UAE Health Insurance Comparison 2026
Al Dhafra Insurance
private3,288 providers
2 plans
Est. 1979
HAAD regulated
Dubai National Insurance
private6,180 providers
2 plans
Est. 1991
DHA regulated
Al Dhafra Insurance has 2 plans starting from AED 2,000/yr with 3,288 providers across 8 cities. Dubai National Insurance has 2 plans starting from AED 2,200/yr with 6,180 providers across 8 cities. Al Dhafra Insurance is strongest in Abu Dhabi while Dubai National Insurance has the most providers in Dubai.
Al Dhafra Insurance vs Dubai National Insurance — At a Glance
| Attribute | Al Dhafra Insurance | Dubai National Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1979 | 1991 |
| Headquarters | Abu Dhabi | Dubai |
| Regulators | HAAD | DHA |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,000 – 9,000 | AED 2,200 – 10,000 |
| Total Network Size | 3,288 | 6,180 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | No |
| Maternity | Yes | Yes |
| Mental Health | No | Yes |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 02-622-2212 | 04-262-4000 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | Al Dhafra Insurance | vs | Dubai National Insurance |
|---|---|---|---|
| Dubai | 1,147 | vs | 4,292 |
| Abu Dhabi | 1,305 | vs | 710 |
| Sharjah | 273 | vs | 639 |
| Al Ain | 327 | vs | 192 |
| Ajman | 97 | vs | 157 |
| Ras Al Khaimah | 88 | vs | 108 |
| Fujairah | 40 | vs | 70 |
| Umm Al Quwain | 11 | vs | 12 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Al Dhafra Insurance Plans
Al Dhafra Insurance
Al Dhafra Basic Health
Employees in Abu Dhabi and Western Region
AED 2,000 – 3,800/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
3,288 providers
View details →Al Dhafra Insurance
Al Dhafra Enhanced Health
Corporate employees and families in Abu Dhabi
AED 4,500 – 9,000/yr
Annual limit: AED 400,000 · semi-private room · 20% co-pay
3,288 providers
View details →Dubai National Insurance Plans
Dubai National Insurance
DNIR Basic Health
Employers in Dubai meeting DHA mandatory requirements
AED 2,200 – 4,000/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
6,180 providers
View details →Dubai National Insurance
DNIR Enhanced Health
Corporate employees in Dubai
AED 5,000 – 10,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
6,180 providers
View details →Verdict
Choose Al Dhafra Insurance if you need lower entry-level premiums. Choose Dubai National Insurance if you prioritise a larger provider network. 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.
Al Dhafra Insurance vs Dubai National Insurance — FAQ
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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 Al Dhafra Insurance and Dubai National Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.