Question 1

Which is better, MSH International or Union 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. Union Insurance has 6,349 providers across 8 cities with 2 plans from AED 2,300/yr. Choose MSH International if you need more comprehensive coverage options. Choose Union Insurance if you prioritise a larger provider network, lower entry-level premiums.

Question 2

Is MSH International cheaper than Union Insurance?

Accepted Answer

No, Union Insurance's entry-level plan starts from AED 2,300/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 Union Insurance?

Accepted Answer

Union Insurance has a larger Dubai network with 3,229 providers, compared to MSH International's 2,896 providers. Network sizes are based on the UAE Open Healthcare Directory data.

Question 4

Does MSH International or Union 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 Union Insurance offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from MSH International to Union 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 Union 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 Union Insurance have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare MSH International and Union Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare MSH International and Union Insurance side-by-side. Key factors to compare: (1) Annual premium — MSH International starts from AED 6,500/yr, Union Insurance from AED 2,300/yr, (2) Network size — 4,738 vs 6,349 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	Union Insurance
Type	private	private
Founded	1974	1998
Headquarters	Dubai	Dubai
Regulators	DHA, HAAD	HAAD, DHA
Number of Plans	2	2
Premium Range	AED 6,500 – 30,000	AED 2,300 – 10,500
Total Network Size	4,738	6,349
Cities Covered	8	8
Dental	Yes	Yes
Optical	Yes	Yes
Maternity	Yes	Yes
Mental Health	Yes	Yes
International	Yes	No
Co-pay Range	0% – 20%	20%
Claims Phone	04-327-3500	02-677-5050

City	MSH International	vs	Union Insurance
Dubai	2,896	vs	3,229
Abu Dhabi	1,054	vs	1,646
Sharjah	334	vs	838
Al Ain	182	vs	237
Ajman	108	vs	162
Ras Al Khaimah	91	vs	133
Fujairah	60	vs	77
Umm Al Quwain	13	vs	27

MSH International vs Union Insurance

MSH International

Union Insurance

MSH International vs Union Insurance — At a Glance

Network Comparison by City

MSH International Plans

MSH Essential Plus

MSH Premium International

Union Insurance Plans

Union Basic Health

Union Enhanced Health

Verdict

MSH International vs Union Insurance — FAQ

Related Comparisons