Dubai National Insurance vs MetLife
UAE Health Insurance Comparison 2026
Dubai National Insurance
private6,086 providers
2 plans
Est. 1991
DHA regulated
MetLife
private7,899 providers
2 plans
Est. 1868
DHA, HAAD regulated
Dubai National Insurance has 2 plans starting from AED 2,200/yr with 6,086 providers across 8 cities. MetLife has 2 plans starting from AED 2,800/yr with 7,899 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Dubai National Insurance vs MetLife — At a Glance
| Attribute | Dubai National Insurance | MetLife |
|---|---|---|
| Type | private | private |
| Founded | 1991 | 1868 |
| Headquarters | Dubai | Dubai |
| Regulators | DHA | DHA, HAAD |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,200 – 10,000 | AED 2,800 – 13,000 |
| Total Network Size | 6,086 | 7,899 |
| 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 | 800-638543 |
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 | MetLife |
|---|---|---|---|
| Dubai | 4,214 | vs | 4,534 |
| Abu Dhabi | 709 | vs | 1,742 |
| Sharjah | 633 | vs | 799 |
| Al Ain | 188 | vs | 339 |
| Ajman | 155 | vs | 216 |
| Ras Al Khaimah | 106 | vs | 143 |
| Fujairah | 69 | vs | 92 |
| Umm Al Quwain | 12 | vs | 34 |
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
6,086 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
6,086 providers
View details →MetLife Plans
MetLife
MetLife Essential Health
SMEs meeting mandatory health insurance requirements
AED 2,800 – 5,000/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
7,899 providers
View details →MetLife
MetLife Corporate Plus
Corporate employees with enhanced coverage needs
AED 6,000 – 13,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
7,899 providers
View details →Verdict
Choose Dubai National Insurance if you need lower entry-level premiums. Choose MetLife if you prioritise a larger provider network, 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 MetLife — FAQ
Which is better, Dubai National Insurance or MetLife?
It depends on your needs. Dubai National Insurance has 6,086 providers across 8 cities and offers 2 plans starting from AED 2,200/yr. MetLife has 7,899 providers across 8 cities with 2 plans from AED 2,800/yr. Choose Dubai National Insurance if you need lower entry-level premiums. Choose MetLife if you prioritise a larger provider network, more comprehensive coverage options.
Is Dubai National Insurance cheaper than MetLife?
Yes, Dubai National Insurance's entry-level plan starts from AED 2,200/yr, compared to MetLife's cheapest plan at AED 2,800/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 National Insurance or MetLife?
MetLife has a larger Dubai network with 4,534 providers, compared to Dubai National Insurance's 4,214 providers. Network sizes are based on the UAE Open Healthcare Directory data.
Does Dubai National Insurance or MetLife cover dental?
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 MetLife offers up to AED 3,500/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Dubai National Insurance to MetLife?
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 MetLife (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 MetLife have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Dubai National Insurance and MetLife plans?
Use the UAE Health Insurance Navigator on this page to compare Dubai National Insurance and MetLife side-by-side. Key factors to compare: (1) Annual premium — Dubai National Insurance starts from AED 2,200/yr, MetLife from AED 2,800/yr, (2) Network size — 6,086 vs 7,899 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 National Insurance and MetLife or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.