Al Dhafra Insurance vs Emirates Insurance Company
UAE Health Insurance Comparison 2026
Al Dhafra Insurance
private3,288 providers
2 plans
Est. 1979
HAAD regulated
Emirates Insurance Company
private5,672 providers
2 plans
Est. 1982
DHA, MOHAP regulated
Al Dhafra Insurance has 2 plans starting from AED 2,000/yr with 3,288 providers across 8 cities. Emirates Insurance Company has 2 plans starting from AED 2,200/yr with 5,672 providers across 8 cities. Al Dhafra Insurance is strongest in Abu Dhabi while Emirates Insurance Company has the most providers in Dubai.
Al Dhafra Insurance vs Emirates Insurance Company — At a Glance
| Attribute | Al Dhafra Insurance | Emirates Insurance Company |
|---|---|---|
| Type | private | private |
| Founded | 1979 | 1982 |
| Headquarters | Abu Dhabi | Abu Dhabi |
| Regulators | HAAD | DHA, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,000 – 9,000 | AED 2,200 – 11,000 |
| Total Network Size | 3,288 | 5,672 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | No | Yes |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 02-622-2212 | 800-364728 |
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 | Emirates Insurance Company |
|---|---|---|---|
| Dubai | 1,147 | vs | 3,325 |
| Abu Dhabi | 1,305 | vs | 714 |
| Sharjah | 273 | vs | 905 |
| Al Ain | 327 | vs | 227 |
| Ajman | 97 | vs | 295 |
| Ras Al Khaimah | 88 | vs | 112 |
| Fujairah | 40 | vs | 74 |
| Umm Al Quwain | 11 | vs | 20 |
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 →Emirates Insurance Company Plans
Emirates Insurance Company
Emirates Essential Health
Individuals and SMEs in Dubai and Northern Emirates
AED 2,200 – 4,000/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
5,672 providers
View details →Emirates Insurance Company
Emirates Corporate Health
Corporate employees in Dubai and Northern Emirates
AED 5,000 – 11,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
5,672 providers
View details →Verdict
Choose Al Dhafra Insurance if you need lower entry-level premiums. Choose Emirates Insurance Company if you prioritise a larger provider network, more comprehensive coverage options. 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 Emirates Insurance Company — FAQ
Related Comparisons
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 Emirates Insurance Company or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.