Al Dhafra Insurance vs National General Insurance
UAE Health Insurance Comparison 2026
Al Dhafra Insurance
private3,243 providers
2 plans
Est. 1979
HAAD regulated
National General Insurance
private4,955 providers
2 plans
Est. 1980
DHA, HAAD regulated
Al Dhafra Insurance has 2 plans starting from AED 2,000/yr with 3,243 providers across 8 cities. National General Insurance has 2 plans starting from AED 2,000/yr with 4,955 providers across 8 cities. Both insurers have their strongest presence in Abu Dhabi.
Al Dhafra Insurance vs National General Insurance — At a Glance
| Attribute | Al Dhafra Insurance | National General Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1979 | 1980 |
| Headquarters | Abu Dhabi | Dubai |
| Regulators | HAAD | DHA, HAAD |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,000 – 9,000 | AED 2,000 – 9,000 |
| Total Network Size | 3,243 | 4,955 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | No |
| Maternity | Yes | Yes |
| Mental Health | No | No |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 02-622-2212 | 02-619-1100 |
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 | National General Insurance |
|---|---|---|---|
| Abu Dhabi | 1,303 | vs | 1,809 |
| Dubai | 1,121 | vs | 1,745 |
| Sharjah | 270 | vs | 585 |
| Al Ain | 318 | vs | 471 |
| Ajman | 96 | vs | 158 |
| Ras Al Khaimah | 87 | vs | 103 |
| Fujairah | 38 | vs | 61 |
| Umm Al Quwain | 10 | vs | 23 |
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
3,243 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
3,243 providers
View details →National General Insurance Plans
National General Insurance
NGI Basic Health
Blue-collar and mid-level employees in Abu Dhabi
AED 2,000 – 3,800/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
4,955 providers
View details →National General Insurance
NGI Enhanced Health
White-collar employees and families in Abu Dhabi
AED 4,500 – 9,000/yr
Annual limit: AED 400,000 · semi-private room · 20% co-pay
4,955 providers
View details →Verdict
Choose Al Dhafra Insurance if you need more comprehensive coverage options. Choose National General 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 National General Insurance — FAQ
Which is better, Al Dhafra Insurance or National General Insurance?
It depends on your needs. Al Dhafra Insurance has 3,243 providers across 8 cities and offers 2 plans starting from AED 2,000/yr. National General Insurance has 4,955 providers across 8 cities with 2 plans from AED 2,000/yr. Choose Al Dhafra Insurance if you need more comprehensive coverage options. Choose National General Insurance if you prioritise a larger provider network.
Is Al Dhafra Insurance cheaper than National General Insurance?
Both Al Dhafra Insurance and National General Insurance have entry-level plans starting from AED 2,000/yr. However, pricing varies by age, nationality, visa type, and employer. Compare enhanced and premium tiers for a full picture, and always obtain personalised quotes.
Which has a bigger network in Dubai, Al Dhafra Insurance or National General Insurance?
National General Insurance has a larger Dubai network with 1,745 providers, compared to Al Dhafra Insurance's 1,121 providers. Network sizes are based on the UAE Open Healthcare Directory data.
Does Al Dhafra Insurance or National General Insurance cover dental?
Both insurers offer dental coverage on their enhanced and premium plans. Al Dhafra Insurance's dental sub-limit goes up to AED 2,500/yr, while National General Insurance offers up to AED 2,500/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Al Dhafra Insurance to National General Insurance?
Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Al Dhafra Insurance 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 Al Dhafra Insurance and National General Insurance have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Al Dhafra Insurance and National General Insurance plans?
Use the UAE Health Insurance Navigator on this page to compare Al Dhafra Insurance and National General Insurance side-by-side. Key factors to compare: (1) Annual premium — Al Dhafra Insurance starts from AED 2,000/yr, National General Insurance from AED 2,000/yr, (2) Network size — 3,243 vs 4,955 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.
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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 National General Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.