Al Dhafra Insurance vs Fidelity United Insurance
UAE Health Insurance Comparison 2026
Al Dhafra Insurance
private3,288 providers
2 plans
Est. 1979
HAAD regulated
Fidelity United Insurance
private5,583 providers
2 plans
Est. 1976
DHA regulated
Al Dhafra Insurance has 2 plans starting from AED 2,000/yr with 3,288 providers across 8 cities. Fidelity United Insurance has 2 plans starting from AED 2,300/yr with 5,583 providers across 8 cities. Al Dhafra Insurance is strongest in Abu Dhabi while Fidelity United Insurance has the most providers in Dubai.
Al Dhafra Insurance vs Fidelity United Insurance — At a Glance
| Attribute | Al Dhafra Insurance | Fidelity United Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1979 | 1976 |
| Headquarters | Abu Dhabi | Dubai |
| Regulators | HAAD | DHA |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,000 – 9,000 | AED 2,300 – 10,500 |
| Total Network Size | 3,288 | 5,583 |
| 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 | 04-263-2444 |
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 | Fidelity United Insurance |
|---|---|---|---|
| Dubai | 1,147 | vs | 3,434 |
| Abu Dhabi | 1,305 | vs | 686 |
| Sharjah | 273 | vs | 829 |
| Al Ain | 327 | vs | 219 |
| Ajman | 97 | vs | 244 |
| Ras Al Khaimah | 88 | vs | 95 |
| Fujairah | 40 | vs | 61 |
| Umm Al Quwain | 11 | vs | 15 |
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 →Fidelity United Insurance Plans
Fidelity United Insurance
Fidelity Basic Health
Small businesses in Dubai meeting DHA mandatory requirements
AED 2,300 – 4,200/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
5,583 providers
View details →Fidelity United Insurance
Fidelity Corporate Health
Corporate employees in Dubai
AED 5,000 – 10,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
5,583 providers
View details →Verdict
Choose Al Dhafra Insurance if you need lower entry-level premiums. Choose Fidelity United Insurance 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 Fidelity United 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 Fidelity United Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.