Dubai Insurance Company vs Fidelity United Insurance
UAE Health Insurance Comparison 2026
Dubai Insurance Company
private8,554 providers
2 plans
Est. 1970
DHA regulated
Fidelity United Insurance
private5,501 providers
2 plans
Est. 1976
DHA regulated
Dubai Insurance Company has 2 plans starting from AED 2,500/yr with 8,554 providers across 8 cities. Fidelity United Insurance has 2 plans starting from AED 2,300/yr with 5,501 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Dubai Insurance Company vs Fidelity United Insurance — At a Glance
| Attribute | Dubai Insurance Company | Fidelity United Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1970 | 1976 |
| Headquarters | Dubai | Dubai |
| Regulators | DHA | DHA |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 12,000 | AED 2,300 – 10,500 |
| Total Network Size | 8,554 | 5,501 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 04-262-5252 | 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 | Dubai Insurance Company | vs | Fidelity United Insurance |
|---|---|---|---|
| Dubai | 5,156 | vs | 3,374 |
| Sharjah | 1,300 | vs | 823 |
| Abu Dhabi | 1,106 | vs | 685 |
| Al Ain | 366 | vs | 213 |
| Ajman | 315 | vs | 241 |
| Ras Al Khaimah | 167 | vs | 91 |
| Fujairah | 106 | vs | 59 |
| Umm Al Quwain | 38 | vs | 15 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Dubai Insurance Company Plans
Dubai Insurance Company
DIC Essential Health
Small businesses and individuals in Dubai meeting DHA mandate
AED 2,500 – 4,000/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
8,554 providers
View details →Dubai Insurance Company
DIC Corporate Health
Mid-size companies and their employees in Dubai
AED 5,000 – 12,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
8,554 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
5,501 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
5,501 providers
View details →Verdict
Choose Dubai Insurance Company if you need a larger provider network. Choose Fidelity United 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.
Dubai Insurance Company vs Fidelity United Insurance — FAQ
Which is better, Dubai Insurance Company or Fidelity United Insurance?
It depends on your needs. Dubai Insurance Company has 8,554 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. Fidelity United Insurance has 5,501 providers across 8 cities with 2 plans from AED 2,300/yr. Choose Dubai Insurance Company if you need a larger provider network. Choose Fidelity United Insurance if you prioritise lower entry-level premiums.
Is Dubai Insurance Company cheaper than Fidelity United Insurance?
No, Fidelity United Insurance's entry-level plan starts from AED 2,300/yr, while Dubai Insurance Company's cheapest plan begins at AED 2,500/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.
Which has a bigger network in Dubai, Dubai Insurance Company or Fidelity United Insurance?
Dubai Insurance Company has a larger Dubai network with 5,156 providers, compared to Fidelity United Insurance's 3,374 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does Dubai Insurance Company or Fidelity United Insurance cover dental?
Both insurers offer dental coverage on their enhanced and premium plans. Dubai Insurance Company's dental sub-limit goes up to AED 3,500/yr, while Fidelity United Insurance offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Dubai Insurance Company to Fidelity United Insurance?
Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Dubai Insurance Company to Fidelity United 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 Dubai Insurance Company and Fidelity United Insurance have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Dubai Insurance Company and Fidelity United Insurance plans?
Use the UAE Health Insurance Navigator on this page to compare Dubai Insurance Company and Fidelity United Insurance side-by-side. Key factors to compare: (1) Annual premium — Dubai Insurance Company starts from AED 2,500/yr, Fidelity United Insurance from AED 2,300/yr, (2) Network size — 8,554 vs 5,501 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.
Related Comparisons
Disclaimer: Plan details, premiums, and network sizes are indicative, based on publicly available UAE insurance market data. Obtain personalised quotes from Dubai Insurance Company and Fidelity United Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.