Emirates Insurance Company vs National General Insurance
UAE Health Insurance Comparison 2026
Emirates Insurance Company
private5,672 providers
2 plans
Est. 1982
DHA, MOHAP regulated
National General Insurance
private5,012 providers
2 plans
Est. 1980
DHA, HAAD regulated
Emirates Insurance Company has 2 plans starting from AED 2,200/yr with 5,672 providers across 8 cities. National General Insurance has 2 plans starting from AED 2,000/yr with 5,012 providers across 8 cities. Emirates Insurance Company is strongest in Dubai while National General Insurance has the most providers in Abu Dhabi.
Emirates Insurance Company vs National General Insurance — At a Glance
>>>| Attribute | Emirates Insurance Company | National General Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1982 | 1980 |
| Headquarters | Abu Dhabi | Dubai |
| Regulators | DHA, MOHAP | DHA, HAAD |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,200 – 11,000 | AED 2,000 – 9,000 |
| Total Network Size | 5,672 | 5,012 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | No |
| Maternity | Yes | Yes |
| Mental Health | Yes | No |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 800-364728 | 02-619-1100 |
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 | National General Insurance |
|---|---|---|---|
| Dubai | 3,325 | vs | 1,776 |
| Abu Dhabi | 714 | vs | 1,811 |
| Sharjah | 905 | vs | 589 |
| Al Ain | 227 | vs | 482 |
| Ajman | 295 | vs | 160 |
| Ras Al Khaimah | 112 | vs | 109 |
| Fujairah | 74 | vs | 62 |
| Umm Al Quwain | 20 | vs | 23 |
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 →National General Insurance Plans
>>>National General Insurance
NGI Basic Health
Blue-collar and mid-level employees in Abu Dhabi
AED 2,000 – 3,800/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
5,012 providers
View details →National General Insurance
NGI Enhanced Health
White-collar employees and families in Abu Dhabi
AED 4,500 – 9,000/yr
Annual limit: AED 400,000 · semi-private room · 20% co-pay
5,012 providers
View details →Verdict
>>>Choose Emirates Insurance Company if you need a larger provider network, more comprehensive coverage options. Choose National General 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.
Emirates Insurance Company vs National General 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 National General Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.