Dubai National Insurance vs National General Insurance
UAE Health Insurance Comparison 2026
Dubai National Insurance
private6,180 providers
2 plans
Est. 1991
DHA regulated
National General Insurance
private5,012 providers
2 plans
Est. 1980
DHA, HAAD regulated
Dubai National Insurance has 2 plans starting from AED 2,200/yr with 6,180 providers across 8 cities. National General Insurance has 2 plans starting from AED 2,000/yr with 5,012 providers across 8 cities. Dubai National Insurance is strongest in Dubai while National General Insurance has the most providers in Abu Dhabi.
Dubai National Insurance vs National General Insurance — At a Glance
| Attribute | Dubai National Insurance | National General Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1991 | 1980 |
| Headquarters | Dubai | Dubai |
| Regulators | DHA | DHA, HAAD |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,200 – 10,000 | AED 2,000 – 9,000 |
| Total Network Size | 6,180 | 5,012 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | No | No |
| Maternity | Yes | Yes |
| Mental Health | Yes | No |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 04-262-4000 | 02-619-1100 |
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 | National General Insurance |
|---|---|---|---|
| Dubai | 4,292 | vs | 1,776 |
| Abu Dhabi | 710 | vs | 1,811 |
| Sharjah | 639 | vs | 589 |
| Al Ain | 192 | vs | 482 |
| Ajman | 157 | vs | 160 |
| Ras Al Khaimah | 108 | vs | 109 |
| Fujairah | 70 | vs | 62 |
| Umm Al Quwain | 12 | vs | 23 |
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 →National General Insurance Plans
National General Insurance
NGI Basic Health
Blue-collar and mid-level employees in Abu Dhabi
AED 2,000 – 3,800/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
5,012 providers
View details →National General Insurance
NGI Enhanced Health
White-collar employees and families in Abu Dhabi
AED 4,500 – 9,000/yr
Annual limit: AED 400,000 · semi-private room · 20% co-pay
5,012 providers
View details →Verdict
Choose Dubai National Insurance if you need a larger provider network, more comprehensive coverage options. Choose National General Insurance if you prioritise lower entry-level premiums. 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 National General Insurance — 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 National General Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.