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Dubai National Insurance vs Now Health International

UAE Health Insurance Comparison 2026

Dubai National Insurance

private

6,086 providers

2 plans

Est. 1991

DHA regulated

Now Health International

private

3,418 providers

2 plans

Est. 2011

DHA, HAAD regulated

Dubai National Insurance has 2 plans starting from AED 2,200/yr with 6,086 providers across 8 cities. Now Health International has 2 plans starting from AED 5,500/yr with 3,418 providers across 8 cities. Both insurers have their strongest presence in Dubai.

Dubai National Insurance vs Now Health International — At a Glance

AttributeDubai National InsuranceNow Health International
Typeprivateprivate
Founded19912011
HeadquartersDubaiDubai
RegulatorsDHADHA, HAAD
Number of Plans22
Premium RangeAED 2,200 – 10,000AED 5,500 – 28,000
Total Network Size6,0863,418
Cities Covered88
DentalYesYes
OpticalNoYes
MaternityYesYes
Mental HealthYesYes
InternationalNoYes
Co-pay Range20%0% – 20%
Claims Phone04-262-4000800-669

Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.

Network Comparison by City

CityDubai National InsurancevsNow Health International
Dubai
4,214
vs
2,455
Abu Dhabi
709
vs
394
Sharjah
633
vs
258
Al Ain
188
vs
122
Ajman
155
vs
94
Ras Al Khaimah
106
vs
49
Fujairah
69
vs
37
Umm Al Quwain
12
vs
9

Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.

Dubai National Insurance Plans

Dubai National Insurance

DNIR Basic Health

Basic

Employers in Dubai meeting DHA mandatory requirements

AED 2,200 – 4,000/yr

Annual limit: AED 150,000 · shared room · 20% co-pay

Dental
Optical
Maternity
Mental Health
International
DHA compliantAffordable for construction and retail sectorsDubai hospital network

6,086 providers

View details →

Dubai National Insurance

DNIR Enhanced Health

Enhanced

Corporate employees in Dubai

AED 5,000 – 10,000/yr

Annual limit: AED 500,000 · semi-private room · 20% co-pay

Dental (AED 2,500)
Optical
Maternity
Mental Health
International
Dental coverage includedMental health supportDubai private hospital access

6,086 providers

View details →

Now Health International Plans

Now Health International

Now Health WorldCare Essential

Enhanced

Expat professionals and freelancers seeking modular coverage

AED 5,500 – 10,000/yr

Annual limit: AED 750,000 · semi-private room · 20% co-pay

Dental
Optical
Maternity
Mental Health
International
Modular — add dental/optical as ridersInternational emergency coverageOnline member portal

3,418 providers

View details →

Now Health International

Now Health WorldCare Prestige

Premium

Executives and families wanting comprehensive worldwide cover

AED 14,000 – 28,000/yr

Annual limit: AED 1.5M · private room · 0% co-pay

Dental (AED 7,500)
Optical
Maternity
Mental Health
International
Zero co-payPrivate roomWorldwide coverage

3,418 providers

View details →

Verdict

Choose Dubai National Insurance if you need a larger provider network, lower entry-level premiums. Choose Now Health 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 National Insurance vs Now Health International — FAQ

Which is better, Dubai National Insurance or Now Health International?

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. Now Health International has 3,418 providers across 8 cities with 2 plans from AED 5,500/yr. Choose Dubai National Insurance if you need a larger provider network, lower entry-level premiums. Choose Now Health International if you prioritise more comprehensive coverage options.

Is Dubai National Insurance cheaper than Now Health International?

Yes, Dubai National Insurance's entry-level plan starts from AED 2,200/yr, compared to Now Health International's cheapest plan at AED 5,500/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 National Insurance or Now Health International?

Dubai National Insurance has a larger Dubai network with 4,214 providers, compared to Now Health International's 2,455 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Does Dubai National Insurance or Now Health International 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 Now Health International offers up to AED 7,500/yr. Basic plans from both insurers typically exclude dental.

Can I switch from Dubai National Insurance to Now Health International?

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 Now Health 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 National Insurance and Now Health International have dedicated claims and onboarding teams to facilitate the transition.

How do I compare Dubai National Insurance and Now Health International plans?

Use the UAE Health Insurance Navigator on this page to compare Dubai National Insurance and Now Health International side-by-side. Key factors to compare: (1) Annual premium — Dubai National Insurance starts from AED 2,200/yr, Now Health International from AED 5,500/yr, (2) Network size — 6,086 vs 3,418 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.

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 Now Health International or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.