Fidelity United Insurance vs National General Insurance
UAE Health Insurance Comparison 2026
Fidelity United Insurance
private5,583 providers
2 plans
Est. 1976
DHA regulated
National General Insurance
private5,012 providers
2 plans
Est. 1980
DHA, HAAD regulated
Fidelity United Insurance has 2 plans starting from AED 2,300/yr with 5,583 providers across 8 cities. National General Insurance has 2 plans starting from AED 2,000/yr with 5,012 providers across 8 cities. Fidelity United Insurance is strongest in Dubai while National General Insurance has the most providers in Abu Dhabi.
Fidelity United Insurance vs National General Insurance — At a Glance
| Attribute | Fidelity United Insurance | National General Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1976 | 1980 |
| Headquarters | Dubai | Dubai |
| Regulators | DHA | DHA, HAAD |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,300 – 10,500 | AED 2,000 – 9,000 |
| Total Network Size | 5,583 | 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 | 04-263-2444 | 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 | Fidelity United Insurance | vs | National General Insurance |
|---|---|---|---|
| Dubai | 3,434 | vs | 1,776 |
| Abu Dhabi | 686 | vs | 1,811 |
| Sharjah | 829 | vs | 589 |
| Al Ain | 219 | vs | 482 |
| Ajman | 244 | vs | 160 |
| Ras Al Khaimah | 95 | vs | 109 |
| Fujairah | 61 | vs | 62 |
| Umm Al Quwain | 15 | vs | 23 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
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 →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 Fidelity United Insurance 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.
Fidelity United Insurance 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 Fidelity United Insurance and National General Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.