National General Insurance vs Union Insurance
UAE Health Insurance Comparison 2026
National General Insurance
private5,012 providers
2 plans
Est. 1980
DHA, HAAD regulated
Union Insurance
private6,349 providers
2 plans
Est. 1998
HAAD, DHA regulated
National General Insurance has 2 plans starting from AED 2,000/yr with 5,012 providers across 8 cities. Union Insurance has 2 plans starting from AED 2,300/yr with 6,349 providers across 8 cities. National General Insurance is strongest in Abu Dhabi while Union Insurance has the most providers in Dubai.
National General Insurance vs Union Insurance — At a Glance
| Attribute | National General Insurance | Union Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1980 | 1998 |
| Headquarters | Dubai | Dubai |
| Regulators | DHA, HAAD | HAAD, DHA |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,000 – 9,000 | AED 2,300 – 10,500 |
| Total Network Size | 5,012 | 6,349 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | No | Yes |
| Maternity | Yes | Yes |
| Mental Health | No | Yes |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 02-619-1100 | 02-677-5050 |
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 | Union Insurance |
|---|---|---|---|
| Dubai | 1,776 | vs | 3,229 |
| Abu Dhabi | 1,811 | vs | 1,646 |
| Sharjah | 589 | vs | 838 |
| Al Ain | 482 | vs | 237 |
| Ajman | 160 | vs | 162 |
| Ras Al Khaimah | 109 | vs | 133 |
| Fujairah | 62 | vs | 77 |
| Umm Al Quwain | 23 | vs | 27 |
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 →Union Insurance Plans
Union Insurance
Union Basic Health
SMEs in Abu Dhabi and Dubai meeting mandatory requirements
AED 2,300 – 4,200/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
6,349 providers
View details →Union Insurance
Union Enhanced Health
Corporate employees and families in Abu Dhabi and Dubai
AED 5,000 – 10,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
6,349 providers
View details →Verdict
Choose National General Insurance if you need lower entry-level premiums. Choose Union Insurance if you prioritise a larger provider network, more comprehensive coverage options. 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 Union Insurance — FAQ
Related Comparisons
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 Union Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.