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. Data cross-referenced with the UAE Open Healthcare Directory.
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 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.
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
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
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.
National General Insurance Insurance — FAQ
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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.