AXA vs National General Insurance
UAE Health Insurance Comparison 2026
AXA
private9,444 providers
3 plans
Est. 1985
DHA, HAAD, MOHAP regulated
National General Insurance
private5,012 providers
2 plans
Est. 1980
DHA, HAAD regulated
AXA has 3 plans starting from AED 3,000/yr with 9,444 providers across 8 cities. National General Insurance has 2 plans starting from AED 2,000/yr with 5,012 providers across 8 cities. AXA is strongest in Dubai while National General Insurance has the most providers in Abu Dhabi.
AXA vs National General Insurance — At a Glance
| Attribute | AXA | National General Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1985 | 1980 |
| Headquarters | Dubai (Gulf HQ) | Dubai |
| Regulators | DHA, HAAD, MOHAP | DHA, HAAD |
| Number of Plans | 3 | 2 |
| Premium Range | AED 3,000 – 35,000 | AED 2,000 – 9,000 |
| Total Network Size | 9,444 | 5,012 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | No |
| Maternity | Yes | Yes |
| Mental Health | Yes | No |
| International | Yes | No |
| Co-pay Range | 0% – 20% | 20% |
| Claims Phone | 800-292 | 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 | AXA | vs | National General Insurance |
|---|---|---|---|
| Dubai | 5,070 | vs | 1,776 |
| Abu Dhabi | 2,141 | vs | 1,811 |
| Sharjah | 1,141 | vs | 589 |
| Al Ain | 435 | vs | 482 |
| Ajman | 272 | vs | 160 |
| Ras Al Khaimah | 224 | vs | 109 |
| Fujairah | 134 | vs | 62 |
| Umm Al Quwain | 27 | vs | 23 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
AXA Plans
AXA
AXA SmartHealth Essential
Individuals and small companies meeting mandatory requirements
AED 3,000 – 5,500/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
9,444 providers
View details →AXA
AXA SmartHealth Gold
Corporate employees and families seeking comprehensive coverage
AED 7,000 – 14,000/yr
Annual limit: AED 750,000 · semi-private room · 20% co-pay
9,444 providers
View details →AXA
AXA SmartHealth Platinum
Senior executives and high-net-worth individuals
AED 18,000 – 35,000/yr
Annual limit: AED 2.0M · private room · 0% co-pay
9,444 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
5,012 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
5,012 providers
View details →Verdict
Choose AXA if you need a larger provider network, more plan tiers to choose from, more comprehensive coverage options. Choose National General Insurance if you prioritise 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.
AXA vs National General 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 AXA and National General Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.