Emirates Insurance Company vs Fidelity United Insurance
UAE Health Insurance Comparison 2026
Emirates Insurance Company
private5,672 providers
2 plans
Est. 1982
DHA, MOHAP regulated
Fidelity United Insurance
private5,583 providers
2 plans
Est. 1976
DHA regulated
Emirates Insurance Company has 2 plans starting from AED 2,200/yr with 5,672 providers across 8 cities. Fidelity United Insurance has 2 plans starting from AED 2,300/yr with 5,583 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Emirates Insurance Company vs Fidelity United Insurance — At a Glance
| Attribute | Emirates Insurance Company | Fidelity United Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1982 | 1976 |
| Headquarters | Abu Dhabi | Dubai |
| Regulators | DHA, MOHAP | DHA |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,200 – 11,000 | AED 2,300 – 10,500 |
| Total Network Size | 5,672 | 5,583 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 800-364728 | 04-263-2444 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | Emirates Insurance Company | vs | Fidelity United Insurance |
|---|---|---|---|
| Dubai | 3,325 | vs | 3,434 |
| Sharjah | 905 | vs | 829 |
| Abu Dhabi | 714 | vs | 686 |
| Ajman | 295 | vs | 244 |
| Al Ain | 227 | vs | 219 |
| Ras Al Khaimah | 112 | vs | 95 |
| Fujairah | 74 | vs | 61 |
| Umm Al Quwain | 20 | vs | 15 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Emirates Insurance Company Plans
Emirates Insurance Company
Emirates Essential Health
Individuals and SMEs in Dubai and Northern Emirates
AED 2,200 – 4,000/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
5,672 providers
View details →Emirates Insurance Company
Emirates Corporate Health
Corporate employees in Dubai and Northern Emirates
AED 5,000 – 11,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
5,672 providers
View details →Fidelity United Insurance Plans
Fidelity United Insurance
Fidelity Basic Health
Small businesses in Dubai meeting DHA mandatory requirements
AED 2,300 – 4,200/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
5,583 providers
View details →Fidelity United Insurance
Fidelity Corporate Health
Corporate employees in Dubai
AED 5,000 – 10,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
5,583 providers
View details →Verdict
Choose Emirates Insurance Company if you need a larger provider network, lower entry-level premiums. Choose Fidelity United Insurance if you prioritise strong coverage and established reputation. 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.
Emirates Insurance Company vs Fidelity United 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 Emirates Insurance Company and Fidelity United Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.