Dubai National Insurance vs Emirates Insurance Company
UAE Health Insurance Comparison 2026
Dubai National Insurance
private6,180 providers
2 plans
Est. 1991
DHA regulated
Emirates Insurance Company
private5,672 providers
2 plans
Est. 1982
DHA, MOHAP regulated
Dubai National Insurance has 2 plans starting from AED 2,200/yr with 6,180 providers across 8 cities. Emirates Insurance Company has 2 plans starting from AED 2,200/yr with 5,672 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Dubai National Insurance vs Emirates Insurance Company — At a Glance
| Attribute | Dubai National Insurance | Emirates Insurance Company |
|---|---|---|
| Type | private | private |
| Founded | 1991 | 1982 |
| Headquarters | Dubai | Abu Dhabi |
| Regulators | DHA | DHA, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,200 – 10,000 | AED 2,200 – 11,000 |
| Total Network Size | 6,180 | 5,672 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | No | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 04-262-4000 | 800-364728 |
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 National Insurance | vs | Emirates Insurance Company |
|---|---|---|---|
| Dubai | 4,292 | vs | 3,325 |
| Sharjah | 639 | vs | 905 |
| Abu Dhabi | 710 | vs | 714 |
| Ajman | 157 | vs | 295 |
| Al Ain | 192 | vs | 227 |
| Ras Al Khaimah | 108 | vs | 112 |
| Fujairah | 70 | vs | 74 |
| Umm Al Quwain | 12 | vs | 20 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
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 →Emirates Insurance Company Plans
Emirates Insurance Company
Emirates Essential Health
Individuals and SMEs in Dubai and Northern Emirates
AED 2,200 – 4,000/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
5,672 providers
View details →Emirates Insurance Company
Emirates Corporate Health
Corporate employees in Dubai and Northern Emirates
AED 5,000 – 11,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
5,672 providers
View details →Verdict
Choose Dubai National Insurance if you need a larger provider network. Choose Emirates Insurance Company 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 National Insurance vs Emirates Insurance Company — 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 Dubai National Insurance and Emirates Insurance Company or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.