UAE insurer profile
National General Insurance
Est. 1980 · Dubai · DHA, HAAD regulated
Dubai-based insurer with four decades of experience. National General Insurance offers 2 health insurance plans in the UAE, accepted by 4,955 healthcare providers across 8 cities. Data cross-referenced with the UAE Open Healthcare Directory.
At a glance
Key facts.
- Dubai-based insurer with four decades of experience
- Focus on group health insurance for Abu Dhabi employers
- Known for straightforward, no-frills health plans
- Listed on Abu Dhabi Securities Exchange
Coverage matrix
Coverage at a glance.
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| NGI Basic Health | Basic | AED 2,000 – 3,800/yr | AED 200,000 | 20% | — | — |
| NGI Enhanced Health | Enhanced | AED 4,500 – 9,000/yr | AED 400,000 | 20% | ✓ | — |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Plan catalogue
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
4,955 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
4,955 providers
View details →Who accepts this
Provider network.
Providers by City
Top Specialties in Network
The claims flow
How claims work with National General Insurance.
Direct billing. Present your National General Insurance insurance card at any in-network provider. The clinic or hospital bills National General Insurance directly — you pay only your applicable co-pay (20%–20% outpatient) at the point of care. No paperwork required.
Reimbursement claims. For out-of-network or emergency treatment, collect itemised invoices and medical reports, then submit via ngi.ae or call 02-619-1100. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact National General Insurance at least 48 hours in advance.
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View plansCompare National General Insurance with other insurers
Side-by-side plan comparison across all 38 UAE insurers
Questions
About National General Insurance.
National General Insurance Insurance — FAQ
What health insurance plans does National General Insurance offer in the UAE?
National General Insurance offers 2 health insurance plans in the UAE: NGI Basic Health, NGI Enhanced Health. Plans range from AED 2,000 – 3,800/yr to AED 4,500 – 9,000/yr annually.
How many healthcare providers accept National General Insurance insurance?
According to the UAE Open Healthcare Directory, 4,955 healthcare providers across 8 UAE cities accept National General Insurance insurance. This includes hospitals, clinics, dental practices, and specialist centers.
Does National General Insurance cover dental and maternity?
Dental and maternity coverage depends on the plan tier. Yes, National General Insurance's enhanced and premium plans include dental coverage. Maternity is covered with waiting periods ranging from 12 to 12 months.
Is National General Insurance the UAE healthcare regulator or HAAD compliant?
National General Insurance is regulated by DHA and HAAD. The UAE healthcare regulator (Dubai) compliance means all plans meet the Essential Benefits Package required for Dubai residents and workers. Additionally, Health Authority Abu Dhabi (HAAD/DoH) oversight ensures plans meet Abu Dhabi's mandatory Thiqa and basic scheme requirements.
How do I file a claim with National General Insurance?
To file a claim with National General Insurance, call their claims line at 02-619-1100. For direct billing, simply present your National General Insurance insurance card at any in-network provider — the clinic or hospital settles directly with the insurer. For reimbursement claims (out-of-network or emergency), submit itemised invoices, a completed claim form, and your doctor's report within 90 days of treatment via ngi.ae or by post to their Dubai office.
What is the cheapest National General Insurance plan?
The most affordable National General Insurance plan is the NGI Basic Health (Basic tier), starting from AED 2,000 – 3,800/yr annually. It covers inpatient, outpatient, maternity with a 20% outpatient co-pay and an annual limit of AED 200,000.
Does National General Insurance have a mobile app for claims?
National General Insurance offers digital claims submission through their member portal at ngi.ae. Most major UAE insurers, including National General Insurance, provide a mobile app or online portal where members can submit reimbursement claims, view policy documents, check coverage limits, find in-network providers, and download tax invoices. Download the National General Insurance app from the App Store or Google Play, or log in via their website to access self-service claim tools.
Disclaimer. Plan details and premiums are indicative. Obtain a personalised quote from National General Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.