Dubai National Insurance vs Emirates Insurance Company

It depends on your needs. Dubai National Insurance has 1,687 providers across 8 cities and offers 2 plans starting from AED 2,200/yr. Emirates Insurance Company has 5,486 providers across 8 cities with 2 plans from AED 2,200/yr. Choose Dubai National Insurance if you need strong coverage and established reputation. Choose Emirates Insurance Company if you prioritise a larger provider network, more comprehensive coverage options.

Both Dubai National Insurance and Emirates Insurance Company have entry-level plans starting from AED 2,200/yr. However, pricing varies by age, nationality, visa type, and employer. Compare enhanced and premium tiers for a full picture, and always obtain personalised quotes.

Emirates Insurance Company has a larger Dubai network with 3,189 providers, compared to Dubai National Insurance's 909 providers. Network sizes are based on the UAE Open Healthcare Directory data.

Both insurers offer dental coverage on their enhanced and premium plans. Dubai National Insurance's dental sub-limit goes up to AED 2,500/yr, while Emirates Insurance Company offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.

Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Dubai National Insurance to Emirates Insurance Company (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 National Insurance and Emirates Insurance Company have dedicated claims and onboarding teams to facilitate the transition.

Use the UAE Health Insurance Navigator on this page to compare Dubai National Insurance and Emirates Insurance Company side-by-side. Key factors to compare: (1) Annual premium — Dubai National Insurance starts from AED 2,200/yr, Emirates Insurance Company from AED 2,200/yr, (2) Network size — 1,687 vs 5,486 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.