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Dubai National Insurance & Reinsurance Co or DNIRC is one of the very first insurance companies that were listed in the Dubai Financial market. It has been operating since 1991 with a large number of public shareholders from across the nation including some very prominent top businessmen. DNIRC is a public shareholding company that is currently operating in the United Arab Emirates with a rather conservative approach working well within the guidelines of Federal Law 6 of 2007 and maintain an impressive steady growth.
DNIRC is supported by a number of leading names in the world of reinsurers like Swiss Re, Munich Re, and SCOR. With over 26 years of experience, DNIRC is seen as one of the most experienced and trusted insurance providers in the UAE market, regardless of the niche. From property to vehicles, accidents, medical and health, engineering, and life, there are several variants of insurance plans that are offered by DNIRC on both personal and commercial levels. Keeping customer service at the top of the ladder, DNIRC has become one of the pioneers of the UAE insurance sector offering top-notch healthcare-related and otherwise insurance plans thanks to the unique benefits offered and the state-of-the-art technology.
Here are the top DNIRC Insurance Insurance Plans in Dubai, UAE:
|Plan Name||Medical Cover (AED)||Pharmacy Limit||Price|
|Essential||1,50,000||Upto AED 2,500|
|Silver||1,50,000||Upto Medical Cover|
|Gold||2,50,000||Upto Medical Cover|
|Diamond||7,50,000||Upto Medical Cover|
|Platinum||10,00,000||Upto Medical Cover|
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Comprehensive Plans: DNIRC offers a wide range of service coverage for the policyholders to cover not only essential but additional medical expenses.
Freedom of Customisation: Policyholders can freely customize their insurance plans and ensure that it suits their individual needs ideally.
Exceptional Customer Services: The 24x7 extraordinary customer service network of DNIRC ensures that customers are always backed with a helping hand.
Medical Network: DNIRC has thousands of medical network connections ensuring wide coverage of facilities in a large number of medical institutions across the UAE.
Easy Claim Process: Fuss-free claim procedure with access from both inside and outside of UAE makes it easy for customers to avail of the benefits.
There are two basic types of health insurance plans offered by DNIRC to the policyholders – personal insurance plans (that may include both individual and family plans) and commercial insurance plans.
Available in different scopes including Essential, Silver, Gold, Diamond, Platinum, and Platinum Plus. Starting from Essential at AED 150,000, the coverage amount of plans increases till Platinum Plus and reaches a maximum of AED 1,500,000. The coverage of these plans differs as per the medical network connection for each plan, emergency and elective treatment coverage, and a few other factors. Following are the two main kinds of individual and family plans available from DNIRC.
The commercial medical plans of DNIRC offer exceptional medical benefits to people looking for essential coverage for their employees regardless of the business type, size and insured sum required. All the commercial plans can be widely categorized into three categories which are as follows
All basic services like private, semi-private, and shared hospitalization, prescription medicines, surgeries and therapies, tests like CT scan, primary consultation, specialist consultation, and diagnostic tests are generally covered in DNIRC health insurance plans unless specified otherwise.
|Individual and Family Plans|
Except for a select few health insurance plans from DNIRC, most international insurance plans do not cover medical expenses incurred in the USA and Canada. Vaccination for children is also a benefit that is not covered in the majority of health insurance plans along with the elective and emergency treatment that is not covered in basic individual plans. In the end, the exclusions of the medical insurance plans, individual, family, or commercial depend upon the plan that you opt for.
Easy comparison of insurance plans, comprehensive benefits, wide-coverage, and transparency are just a few of the many reasons that anyone should DNIRC as their insurance provider. Add these practical reasons to the credibility and goodwill of the company and you will have a fine insurance company that delivers every promise that they make while keeping operations and terms of the plan as transparent as they should be. The freedom of customization and the round-the-clock customer services also adds to the long list of reason why one should choose Dubai National Insurance & Reinsurance Co as their insurance provider.
The claim procedure of Dubai National Insurance & Reinsurance Co is rather simple. All you need is a duly filled Reimbursement form for claim submission attached with all the documents required which include a copy of your health card, original bills and invoices, prescriptions for medicines, copy of diagnostic reports, and medical reports for hospitalisations signed/stamped by the doctor in charge of treating. Missing documents cases are escalated and a 15-day window is given to submit the said documents. The claim submissions can be easily made online now from the official website of DNIRC.