Dubai National Insurance
Est. 1991 · Dubai · DHA regulated
Dubai-based insurer with over 30 years in the local market. Dubai National Insurance offers 2 health insurance plans in the UAE. Data cross-referenced with the UAE Open Healthcare Directory.
Key Facts
- ▸Dubai-based insurer with over 30 years in the local market
- ▸Reinsurance relationships with major global underwriters
- ▸Focus on group health insurance for Dubai-based employers
- ▸Competitive pricing for construction and retail sectors
Coverage at a Glance
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| DNIR Basic Health | Basic | AED 2,200 – 4,000/yr | AED 150,000 | 20% | — | — |
| DNIR Enhanced Health | Enhanced | AED 5,000 – 10,000/yr | AED 500,000 | 20% | ✓ | — |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Insurance Plans
Dubai National Insurance
DNIR Basic Health
Employers in Dubai meeting DHA mandatory requirements
AED 2,200 – 4,000/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
Dubai National Insurance
DNIR Enhanced Health
Corporate employees in Dubai
AED 5,000 – 10,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
How claims work with Dubai National Insurance
Direct billing: Present your Dubai National Insurance insurance card at any in-network provider. The clinic or hospital bills Dubai National 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 dnir.ae or call 04-262-4000. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact Dubai National Insurance at least 48 hours in advance.
Dubai National Insurance Insurance — FAQ
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Disclaimer: Plan details and premiums are indicative. Obtain a personalised quote from Dubai National Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.