Question 1

Which is better, MSH International or National General Insurance?

Accepted Answer

It depends on your needs. MSH International has 4,738 providers across 8 cities and offers 2 plans starting from AED 6,500/yr. National General Insurance has 5,012 providers across 8 cities with 2 plans from AED 2,000/yr. Choose MSH International if you need more comprehensive coverage options. Choose National General Insurance if you prioritise a larger provider network, lower entry-level premiums.

Question 2

Is MSH International cheaper than National General Insurance?

Accepted Answer

No, National General Insurance's entry-level plan starts from AED 2,000/yr, while MSH International's cheapest plan begins at AED 6,500/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.

Question 3

Which has a bigger network in Dubai, MSH International or National General Insurance?

Accepted Answer

MSH International has a larger Dubai network with 2,896 providers, compared to National General Insurance's 1,776 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does MSH International or National General Insurance cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. MSH International's dental sub-limit goes up to AED 8,000/yr, while National General Insurance offers up to AED 2,500/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from MSH International to National General Insurance?

Accepted Answer

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

Question 6

How do I compare MSH International and National General Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare MSH International and National General Insurance side-by-side. Key factors to compare: (1) Annual premium — MSH International starts from AED 6,500/yr, National General Insurance from AED 2,000/yr, (2) Network size — 4,738 vs 5,012 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	MSH International	National General Insurance
Type	private	private
Founded	1974	1980
Headquarters	Dubai	Dubai
Regulators	DHA, HAAD	DHA, HAAD
Number of Plans	2	2
Premium Range	AED 6,500 – 30,000	AED 2,000 – 9,000
Total Network Size	4,738	5,012
Cities Covered	8	8
Dental	Yes	Yes
Optical	Yes	No
Maternity	Yes	Yes
Mental Health	Yes	No
International	Yes	No
Co-pay Range	0% – 20%	20%
Claims Phone	04-327-3500	02-619-1100

City	MSH International	vs	National General Insurance
Dubai	2,896	vs	1,776
Abu Dhabi	1,054	vs	1,811
Sharjah	334	vs	589
Al Ain	182	vs	482
Ajman	108	vs	160
Ras Al Khaimah	91	vs	109
Fujairah	60	vs	62
Umm Al Quwain	13	vs	23

MSH International vs National General Insurance

MSH International

National General Insurance

MSH International vs National General Insurance — At a Glance

Network Comparison by City

MSH International Plans

MSH Essential Plus

MSH Premium International

National General Insurance Plans

NGI Basic Health

NGI Enhanced Health

Verdict

MSH International vs National General Insurance — FAQ

Related Comparisons