Arabia Insurance vs Dubai National Insurance
UAE Health Insurance Comparison 2026
Arabia Insurance
private4,594 providers
2 plans
Est. 1944
DHA, HAAD regulated
Dubai National Insurance
private6,180 providers
2 plans
Est. 1991
DHA regulated
Arabia Insurance has 2 plans starting from AED 2,500/yr with 4,594 providers across 8 cities. Dubai National Insurance has 2 plans starting from AED 2,200/yr with 6,180 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Arabia Insurance vs Dubai National Insurance — At a Glance
| Attribute | Arabia Insurance | Dubai National Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1944 | 1991 |
| Headquarters | Beirut (UAE offices in Abu Dhabi, Dubai, Sharjah) | Dubai |
| Regulators | DHA, HAAD | DHA |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 11,000 | AED 2,200 – 10,000 |
| Total Network Size | 4,594 | 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 | 04-265-1500 | 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 | Arabia Insurance | vs | Dubai National Insurance |
|---|---|---|---|
| Dubai | 2,550 | vs | 4,292 |
| Abu Dhabi | 880 | vs | 710 |
| Sharjah | 666 | vs | 639 |
| Al Ain | 196 | vs | 192 |
| Ajman | 124 | vs | 157 |
| Ras Al Khaimah | 108 | vs | 108 |
| Fujairah | 58 | vs | 70 |
| Umm Al Quwain | 12 | vs | 12 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Arabia Insurance Plans
Arabia Insurance
Arabia Basic Health
SMEs in Dubai and Abu Dhabi meeting mandatory requirements
AED 2,500 – 4,500/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
4,594 providers
View details →Arabia Insurance
Arabia Enhanced Health
Corporate employees and families
AED 5,500 – 11,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
4,594 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 Arabia Insurance if you need strong coverage and established reputation. Choose Dubai National Insurance if you prioritise a larger provider network, lower entry-level premiums. 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.
Arabia 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 Arabia Insurance and Dubai National Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.