Dubai National Insurance vs RAK Insurance
UAE Health Insurance Comparison 2026
Dubai National Insurance
private6,180 providers
2 plans
Est. 1991
DHA regulated
RAK Insurance
private3,552 providers
2 plans
Est. 1974
MOHAP regulated
Dubai National Insurance has 2 plans starting from AED 2,200/yr with 6,180 providers across 8 cities. RAK Insurance has 2 plans starting from AED 2,000/yr with 3,552 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Dubai National Insurance vs RAK Insurance — At a Glance
| Attribute | Dubai National Insurance | RAK Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1991 | 1974 |
| Headquarters | Dubai | Ras Al Khaimah |
| Regulators | DHA | MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,200 – 10,000 | AED 2,000 – 8,500 |
| Total Network Size | 6,180 | 3,552 |
| 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 | 07-228-8444 |
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 | RAK Insurance |
|---|---|---|---|
| Dubai | 4,292 | vs | 1,375 |
| Abu Dhabi | 710 | vs | 618 |
| Sharjah | 639 | vs | 585 |
| Ras Al Khaimah | 108 | vs | 365 |
| Ajman | 157 | vs | 238 |
| Al Ain | 192 | vs | 186 |
| Fujairah | 70 | vs | 146 |
| Umm Al Quwain | 12 | vs | 39 |
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 →RAK Insurance Plans
RAK Insurance
RAK Basic Health
Employees in Northern Emirates meeting MOHAP requirements
AED 2,000 – 3,500/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
3,552 providers
View details →RAK Insurance
RAK Enhanced Health
Corporate employees and families in Northern Emirates
AED 4,000 – 8,500/yr
Annual limit: AED 350,000 · semi-private room · 20% co-pay
3,552 providers
View details →Verdict
Choose Dubai National Insurance if you need a larger provider network, more comprehensive coverage options. Choose RAK 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 RAK 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 RAK Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.