National General Insurance vs RAK Insurance
UAE Health Insurance Comparison 2026
National General Insurance
private5,012 providers
2 plans
Est. 1980
DHA, HAAD regulated
RAK Insurance
private3,552 providers
2 plans
Est. 1974
MOHAP regulated
National General Insurance has 2 plans starting from AED 2,000/yr with 5,012 providers across 8 cities. RAK Insurance has 2 plans starting from AED 2,000/yr with 3,552 providers across 8 cities. National General Insurance is strongest in Abu Dhabi while RAK Insurance has the most providers in Dubai.
National General Insurance vs RAK Insurance — At a Glance
| Attribute | National General Insurance | RAK Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1980 | 1974 |
| Headquarters | Dubai | Ras Al Khaimah |
| Regulators | DHA, HAAD | MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,000 – 9,000 | AED 2,000 – 8,500 |
| Total Network Size | 5,012 | 3,552 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | No | No |
| Maternity | Yes | Yes |
| Mental Health | No | No |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 02-619-1100 | 07-228-8444 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | National General Insurance | vs | RAK Insurance |
|---|---|---|---|
| Dubai | 1,776 | vs | 1,375 |
| Abu Dhabi | 1,811 | vs | 618 |
| Sharjah | 589 | vs | 585 |
| Al Ain | 482 | vs | 186 |
| Ras Al Khaimah | 109 | vs | 365 |
| Ajman | 160 | vs | 238 |
| Fujairah | 62 | vs | 146 |
| Umm Al Quwain | 23 | vs | 39 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
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 →RAK Insurance Plans
RAK Insurance
RAK Basic Health
Employees in Northern Emirates meeting MOHAP requirements
AED 2,000 – 3,500/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
3,552 providers
View details →RAK Insurance
RAK Enhanced Health
Corporate employees and families in Northern Emirates
AED 4,000 – 8,500/yr
Annual limit: AED 350,000 · semi-private room · 20% co-pay
3,552 providers
View details →Verdict
Choose National General Insurance if you need a larger provider network. Choose RAK Insurance if you prioritise strong coverage and established reputation. 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.
National General Insurance vs RAK 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 National General Insurance and RAK Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.