Dubai National Insurance vs Salama Islamic Insurance
UAE Health Insurance Comparison 2026
Dubai National Insurance
private6,180 providers
2 plans
Est. 1991
DHA regulated
Salama Islamic Insurance
private5,843 providers
2 plans
Est. 1979
DHA, HAAD, MOHAP regulated
Dubai National Insurance has 2 plans starting from AED 2,200/yr with 6,180 providers across 8 cities. Salama Islamic Insurance has 2 plans starting from AED 2,500/yr with 5,843 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Dubai National Insurance vs Salama Islamic Insurance — At a Glance
| Attribute | Dubai National Insurance | Salama Islamic Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1991 | 1979 |
| Headquarters | Dubai | Dubai |
| Regulators | DHA | DHA, HAAD, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,200 – 10,000 | AED 2,500 – 13,000 |
| Total Network Size | 6,180 | 5,843 |
| 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 | 800-72526 |
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 | Salama Islamic Insurance |
|---|---|---|---|
| Dubai | 4,292 | vs | 3,163 |
| Abu Dhabi | 710 | vs | 1,213 |
| Sharjah | 639 | vs | 894 |
| Al Ain | 192 | vs | 235 |
| Ajman | 157 | vs | 140 |
| Ras Al Khaimah | 108 | vs | 108 |
| Fujairah | 70 | vs | 66 |
| Umm Al Quwain | 12 | vs | 24 |
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 →Salama Islamic Insurance Plans
Salama Islamic Insurance
Salama Basic Takaful Health
Employers seeking Sharia-compliant mandatory health coverage across UAE
AED 2,500 – 5,000/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
5,843 providers
View details →Salama Islamic Insurance
Salama Enhanced Takaful Health
Corporate employees and families across UAE wanting enhanced Takaful
AED 6,000 – 13,000/yr
Annual limit: AED 750,000 · semi-private room · 20% co-pay
5,843 providers
View details →Verdict
Choose Dubai National Insurance if you need a larger provider network, lower entry-level premiums. Choose Salama Islamic Insurance 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 Salama Islamic 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 Salama Islamic Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.