Question 1

Which is better, Emirates Insurance Company or MSH International?

Accepted Answer

It depends on your needs. Emirates Insurance Company has 5,672 providers across 8 cities and offers 2 plans starting from AED 2,200/yr. MSH International has 4,738 providers across 8 cities with 2 plans from AED 6,500/yr. Choose Emirates Insurance Company if you need a larger provider network, lower entry-level premiums. Choose MSH International if you prioritise more comprehensive coverage options.

Question 2

Is Emirates Insurance Company cheaper than MSH International?

Accepted Answer

Yes, Emirates Insurance Company's entry-level plan starts from AED 2,200/yr, compared to MSH International's cheapest plan at AED 6,500/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.

Question 3

Which has a bigger network in Dubai, Emirates Insurance Company or MSH International?

Accepted Answer

Emirates Insurance Company has a larger Dubai network with 3,325 providers, compared to MSH International's 2,896 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does Emirates Insurance Company or MSH International cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. Emirates Insurance Company's dental sub-limit goes up to AED 3,000/yr, while MSH International offers up to AED 8,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Emirates Insurance Company to MSH International?

Accepted Answer

Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Emirates Insurance Company to MSH 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 Emirates Insurance Company and MSH International have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Emirates Insurance Company and MSH International plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Emirates Insurance Company and MSH International side-by-side. Key factors to compare: (1) Annual premium — Emirates Insurance Company starts from AED 2,200/yr, MSH International from AED 6,500/yr, (2) Network size — 5,672 vs 4,738 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.

Attribute	Emirates Insurance Company	MSH International
Type	private	private
Founded	1982	1974
Headquarters	Abu Dhabi	Dubai
Regulators	DHA, MOHAP	DHA, HAAD
Number of Plans	2	2
Premium Range	AED 2,200 – 11,000	AED 6,500 – 30,000
Total Network Size	5,672	4,738
Cities Covered	8	8
Dental	Yes	Yes
Optical	Yes	Yes
Maternity	Yes	Yes
Mental Health	Yes	Yes
International	No	Yes
Co-pay Range	20%	0% – 20%
Claims Phone	800-364728	04-327-3500

City	Emirates Insurance Company	vs	MSH International
Dubai	3,325	vs	2,896
Abu Dhabi	714	vs	1,054
Sharjah	905	vs	334
Al Ain	227	vs	182
Ajman	295	vs	108
Ras Al Khaimah	112	vs	91
Fujairah	74	vs	60
Umm Al Quwain	20	vs	13

Emirates Insurance Company vs MSH International

Emirates Insurance Company

MSH International

Emirates Insurance Company vs MSH International — At a Glance

Network Comparison by City

Emirates Insurance Company Plans

Emirates Essential Health

Emirates Corporate Health

MSH International Plans

MSH Essential Plus

MSH Premium International

Verdict

Emirates Insurance Company vs MSH International — FAQ

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