Dubai Insurance Company vs MSH International
UAE Health Insurance Comparison 2026
Dubai Insurance Company
private8,554 providers
2 plans
Est. 1970
DHA regulated
MSH International
private4,680 providers
2 plans
Est. 1974
DHA, HAAD regulated
Dubai Insurance Company has 2 plans starting from AED 2,500/yr with 8,554 providers across 8 cities. MSH International has 2 plans starting from AED 6,500/yr with 4,680 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Dubai Insurance Company vs MSH International — At a Glance
| Attribute | Dubai Insurance Company | MSH International |
|---|---|---|
| Type | private | private |
| Founded | 1970 | 1974 |
| Headquarters | Dubai | Dubai |
| Regulators | DHA | DHA, HAAD |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 12,000 | AED 6,500 – 30,000 |
| Total Network Size | 8,554 | 4,680 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | No | Yes |
| Co-pay Range | 20% | 0% – 20% |
| Claims Phone | 04-262-5252 | 04-327-3500 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | Dubai Insurance Company | vs | MSH International |
|---|---|---|---|
| Dubai | 5,156 | vs | 2,849 |
| Abu Dhabi | 1,106 | vs | 1,052 |
| Sharjah | 1,300 | vs | 330 |
| Al Ain | 366 | vs | 179 |
| Ajman | 315 | vs | 108 |
| Ras Al Khaimah | 167 | vs | 90 |
| Fujairah | 106 | 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
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 →MSH International Plans
MSH International
MSH Essential Plus
Expat professionals and families in the UAE
AED 6,500 – 12,000/yr
Annual limit: AED 800,000 · semi-private room · 20% co-pay
4,680 providers
View details →MSH International
MSH Premium International
Executives and families needing worldwide coverage
AED 16,000 – 30,000/yr
Annual limit: AED 1.5M · private room · 0% co-pay
4,680 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 8,554 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. MSH International has 4,680 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 5,156 providers, compared to MSH International's 2,849 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 — 8,554 vs 4,680 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 MSH International or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.