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Dubai Insurance Company vs MSH International

UAE Health Insurance Comparison 2026

Dubai Insurance Company

private

8,404 providers

2 plans

Est. 1970

DHA regulated

MSH International

private

4,602 providers

2 plans

Est. 1974

DHA, DOH regulated

Dubai Insurance Company has 2 plans from AED 2,500 a year and 8,404 in-network providers in 8 cities. MSH International has 2 plans from AED 6,500 a year and 4,602 in-network providers in 8 cities. Both insurers have the most providers in Dubai. Network counts are providers in the UAE Open Healthcare Directory that list each insurer; premiums are indicative.

Dubai Insurance Company vs MSH International — At a Glance

AttributeDubai Insurance CompanyMSH International
Typeprivateprivate
Founded19701974
HeadquartersDubaiDubai
RegulatorsDHADHA, DOH
Number of Plans22
Premium RangeAED 2,500 – 12,000AED 6,500 – 30,000
Total Network Size8,4044,602
Cities Covered88
DentalYesYes
OpticalYesYes
MaternityYesYes
Mental HealthYesYes
InternationalNoYes
Co-pay Range20%0% – 20%
Claims Phone04-262-525204-327-3500

Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.

Network Comparison by City

CityDubai Insurance CompanyvsMSH International
Dubai
5,053
vs
2,796
Abu Dhabi
1,080
vs
1,032
Sharjah
1,288
vs
329
Al Ain
362
vs
177
Ajman
311
vs
106
Ras Al Khaimah
167
vs
90
Fujairah
105
vs
60
Umm Al Quwain
38
vs
12

Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.

Dubai Insurance Company Plans

Dubai Insurance Company

DIC Essential Health

Basic

Small businesses and individuals in Dubai who need the mandatory cover

AED 2,500 – 4,000/yr

Annual limit: AED 150,000 · shared room · 20% co-pay

Dental
Optical
Maternity
Mental Health
International
Affordable for small businessesGood Dubai hospital network

8,404 providers

View details →

Dubai Insurance Company

DIC Corporate Health

Enhanced

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

Dental (AED 3,500)
Optical
Maternity
Mental Health
International
Extended Dubai and Sharjah networkDental and optical includedMental health coverage

8,404 providers

View details →

MSH International Plans

MSH International

MSH Essential Plus

Enhanced

Expat professionals and families in the UAE

AED 6,500 – 12,000/yr

Annual limit: AED 800,000 · semi-private room · 20% co-pay

Dental (AED 3,500)
Optical
Maternity
Mental Health
International
International emergency coverageStrong European hospital networkMultilingual support (EN/FR/AR)

4,602 providers

View details →

MSH International

MSH Premium International

Premium

Executives and families needing worldwide coverage

AED 16,000 – 30,000/yr

Annual limit: AED 1.5M · private room · 0% co-pay

Dental (AED 8,000)
Optical
Maternity
Mental Health
International
Zero co-payPrivate roomWorldwide coverage

4,602 providers

View details →

Verdict

Choose Dubai Insurance Company if you need a larger provider network, lower entry-level premiums. Choose MSH International if you prioritise 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.

Dubai Insurance Company vs MSH International — FAQ

Which is better, Dubai Insurance Company or MSH International?

It depends on your needs. Dubai Insurance Company has 8,404 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. MSH International has 4,602 providers across 8 cities with 2 plans from AED 6,500/yr. Choose Dubai Insurance Company if you need a larger provider network, lower entry-level premiums. Choose MSH International if you prioritise more comprehensive coverage options.

Is Dubai Insurance Company cheaper than MSH International?

Yes, Dubai Insurance Company's entry-level plan starts from AED 2,500/yr, compared to MSH International's cheapest plan at AED 6,500/yr. However, plan pricing varies by age, nationality, visa type, and employer. Enhanced and premium tiers may differ. Always obtain a personalised quote from each insurer.

Which has a bigger network in Dubai, Dubai Insurance Company or MSH International?

Dubai Insurance Company has a larger Dubai network with 5,053 providers, compared to MSH International's 2,796 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Does Dubai Insurance Company or MSH International 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 MSH International offers up to AED 8,000/yr. Basic plans from both insurers typically exclude dental.

Can I switch from Dubai Insurance Company to MSH International?

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 MSH International (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 MSH International have dedicated claims and onboarding teams to facilitate the transition.

How do I compare Dubai Insurance Company and MSH International plans?

Use the UAE Health Insurance Navigator on this page to compare Dubai Insurance Company and MSH International side-by-side. Key factors to compare: (1) Annual premium — Dubai Insurance Company starts from AED 2,500/yr, MSH International from AED 6,500/yr, (2) Network size — 8,404 vs 4,602 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.

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 MSH International or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory.