Dubai National Insurance (DNI) Health Insurance

Dubai National Insurance (DNI) is a well-known name in the insurance industry of the United Arab Emirates (UAE). Established in 1991, DNI has been providing innovative and comprehensive insurance solutions to individuals and businesses in the UAE for over three decades. Among the provider’s most popular offerings are their health insurance plans, which are designed to meet the varying needs of individuals and families. ...read more

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DNI health insurance plans provide coverage for a wide range of medical expenses, including hospitalisation, outpatient services, prescription drugs, and emergency medical treatment. Their plans also offer additional benefits such as dental and vision care, maternity coverage, and wellness programs. With a network of healthcare providers across the UAE, DNI ensures that their policyholders have access to quality medical care whenever they require it.

In this article, we will take a closer look at the DNI health insurance plans, their features, benefits, and how they compare to other health insurance providers in the UAE. We will also explore the importance of having health insurance in the UAE and how DNI is helping individuals and families protect their health and well-being.

An Overview of DNI Health Insurance Plans

Dubai National Insurance (DNI) is one of the most reputed insurance providers in the UAE and offers comprehensive health insurance plans across the emirates of Dubai and Abu Dhabi. Its insurance plans cover a wide range of illnesses and the treatment costs incurred in the process.  Moreover, the insurance product offers services like access to major hospitals in the UAE and internationally, doctors, clinics, diagnostics and radiology centres, pharmacies, and laboratories.

Top Plans Offered by DNI Health Insurance

Tabled below are the top DNI Health Insurance Plans in the UAE -

  • DNI - Silk Road |

  • DNI - Green |

  • Essential Benefits Plan (EBP) |

  • DNI - Platinum |

  • DNI - Silver Classic |

  • DNI - Silver Premium |

  • DNI - Gold

Medical Coverage - Up to AED 1,000,000 per annum

Pharmacy Limit - Up to Medical Cover Limit

Plan Details - Here are the salient features of this DNI health insurance plan:

  • Maternity Cover - Normal delivery covered up to the sublimit of AED 10,000, medically essential C-sections up to AED 10,000, and pregnancy complications and medically required terminations up to AED 150,000
  • Neonatal Care Cover - Covered up to 30 days as per the DHA guidelines
  • Dental and Gum Treatment - up to AED 3,500 (subject to 20% co-payment)
  • Hearing and Vision Aid - Covered only in case of emergencies occurring due to accidents
  • Outpatient Services - AED 50 per consultation (up to 20% co-payment applicable)
  • In-patient Services - Private room accommodation, ambulance service, companion accommodation 
  • Territorial Coverage - Worldwide Coverage (only for UAE visa holders)
  • Other Services - Lab test, radiology diagnostic, physiotherapy, and emergency treatment
  • Essential Vaccines and Preventive Services

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Medical Coverage - Up to AED 1,000,000 per annum

Pharmacy Limit - Up to the Annual Medical Cover Limit

Plan Details - Here are the salient features of this DNI health insurance plan:

  • Maternity Cover - Normal delivery covered up to the sublimit of AED 10,000, medically necessary C-sections up to AED 10,000, and pregnancy complications and medically required terminations up to AED 150,000
  • Neonatal Care Cover - Covered up to 30 days as per the DHA guidelines
  • Dental and Gum Treatment - up to AED 3,500 (subject to 20% co-payment)
  • Hearing and Vision Aid - Covered only in case of emergencies occurring due to accidents
  • Outpatient Services - AED 50 per consultation (up to 20% co-payment applicable)
  • In-patient Services - Private room accommodation, ambulance service, and companion accommodation 
  • Territorial Coverage - Worldwide Coverage (only for UAE visa holders)
  • Other Services - Lab test, radiology diagnostic, physiotherapy, and emergency treatment
  • Essential Vaccines and Preventive Services

View Quotes

Medical Coverage - NA

Pharmacy Limit - NA

Plan Details - Key features of this DNI health insurance plan are:

  • This is a minimal-level health insurance plan provided under Dubai Health Authority’s (DHA) mandatory health insurance scheme for Dubai residents. 
  • This plan offers essential and high-end medical services to non-working dependents (elderly parents), employees, and domestic workers. Its key features include -
    • A wide range of healthcare facilities
    • Direct billing access

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Medical Coverage - Up to AED 1,500,000 per annum

Pharmacy Limit - NA

Plan Details - Here are the main features of this Dubai National health insurance Plan:

  • Worldwide coverage
  • Emergency coverage available worldwide except in the US and Canada
  • Option to customise your policy as per requirement
  • Network direct billing available in the native land
  • Available for employees and dependents

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Medical Coverage - Up to AED 1,000,000 per annum

Pharmacy Limit - NA

Plan Details - 

  • Maternity Cover - Outpatient services, in-patient services (up to AED 10,000 for normal delivery, up to AED 10,000 for medically required C-sections, and up to AED 150,000 for pregnancy complications and medically essential terminations)
  • Neonatal Care - Covered for up to 30 days as per the DHA guidelines 
  • Dental and Gum Treatment - up to AED 3,500 (subject to 20% co-payment)
  • Hearing and Vision Aids - Covered only in case of an emergency (subjected to 20% co-payment)
  • Outpatient Services - AED 50 per consultation (up to 20% co-payment applicable)
  • Inpatient Services - private room accommodation, attendee accommodation, and ambulance cover
  • Geographical Coverage - Worldwide
  • Other Services - Lab test, radiology diagnostic, physiotherapy, and emergency treatment
  • Essential Vaccines and Preventive Care - Covered

View Quotes

Medical Coverage - Up to AED 1,000,000 per annum

Pharmacy Limit - Up to the Medical Cover Limit

Plan Details - Key features of this DNI health insurance plan are:

  • Outpatient Services - Covered up to AED 50 per consultation (subject to 20% co-payment)
  • In-patient Services - Private room accommodation, attendee accommodation, and ambulance service
  • Maternity Cover - Outpatient services, in-patient services (up to AED 10,000 for normal delivery, up to AED 10,000 for medically required C-sections, and up to AED 150,000 for pregnancy complications and medically essential terminations)
  • Neonatal Care - Covered for up to 30 days as per the DHA benefit guidelines
  • Dental and Gum Treatment - Covered up to AED 3,000 (subject to 20% co-payment)
  • Heating and Vision Aids - Only available in case of emergency
  • Geographical Coverage - Worldwide
  • Other Services - Lab test, radiology diagnostic, physiotherapy, and emergency treatment
  • Essential Vaccines and Preventive Care - Covered

View Quotes

Medical Coverage - Up to AED 1,000,000 per annum

Pharmacy Limit - Up to the Medical Cover Limit

Plan Details - 

  • Inpatient Cover - Private room accommodation, attendee accommodation, and ambulance service
  • Outpatient Cover - Covered up to AED 50 per consultation (subject to 20% co-payment)
  • Maternity Cover - Outpatient services, in-patient services (including up to AED 10,000 for normal delivery, up to AED 10,000 for medically essential C-section, up to AED 150,000 for pregnancy complications and required termination procedures)
  • Neonatal Care - Covered up to 30 days as per the DHA benefit guidelines
  • Geographical Coverage Scope - Worldwide
  • Dental and Gum Treatment Cover - up to AED 3,500 (subjected to 20% co-payment)
  • Hearing and Vision Aids - Covered only in case of emergency because of an accident
  • Essential Vaccines and Preventive Care - Covered
  • Other Services - Laboratory tests, diagnostics, radiology diagnostic, physiotherapy treatment, and emergency medical treatment

View Quotes

Dubai National Insurance Network Hospital Lists

Dubai National Insurance Health Insurance Network Hospitals List in uae
Name
Address
***Lifecare Hospital Covered For Ebp Op Access For The Following: Dhabi Contracting Co, Al Rakha Gen Cont Llc, Abs Bus & Car Rental, Sultan Al Ghashmi Technical Works Llc, Alnasr Contracting Co Llc, Citytech Llc, Wordsmart, C G Technology Llc; Silk Road Op Access For Non Abu Dhabi Al Futtaim Card Holders Are Covered At This Facility. Eff: 03-Sept-2018 - Provider Not Eligible To Accept The Members From Policy Group Code: 11782, Policy Group Name: Tornado Group Basic Eff: 06-Sept-2018 - Provider Not Eligible To Accept The Members For Policy Number: 251264 , Policy Group Name: Eagle Environmental Services And Pest Control (Out Patient) Covered for EBP OP Access for the following: Dhabi Contracting Co, AL RAKHA GEN CONT LLC, ABS Bus & car rental, Sultan Al Ghashmi Technical Works LLC, ALNASR CONTRACTING CO LLC, CITYTECH LLC, WORDSMART, C G TECHNOLOGY LLC; Silk Road OP Access for Non Abu Dhabi Al Futtaim card holders are covered at this facility. EFF: 03-SEPT-2018 - Provider not eligible to accept the members from Policy Group Code: 11782, Policy Group Name: Tornado Group Basic EFF: 06-SEPT-2018 - Provider not eligible to accept the members for Policy Number: 251264 , Policy Group Name: Eagle Environmental Services and Pest Control (Out Patient) (Hospitals)
BANIYAS STREET, WATHBA, GATE NO. 6 AL RAHA VILLAGE - 02-5856333
***Llh Hospital L.L.C./Mf1954 (Form Lifeline Hospital) Covered for EBP OP Access for the following: Dhabi Contracting Co, AL RAKHA GEN CONT LLC, ABS Bus & car rental, Sultan Al Ghashmi Technical Works LLC, ALNASR CONTRACTING CO LLC, CITYTECH LLC, WORDSMART, C G TECHNOLOGY LLC; Silk Road OP Access for Non Abu Dhabi Al Futtaim card holders are covered at this facility. (Out Patient) (Hospitals)
ELECTRA STREET, AL MARWA BUILDING - 02-6335522
***Llh Hospital Al Musaffah Llc Covered for EBP OP Access for the following: Dhabi Contracting Co, AL RAKHA GEN CONT LLC, ABS Bus & car rental, Sultan Al Ghashmi Technical Works LLC, ALNASR CONTRACTING CO LLC, CITYTECH LLC, WORDSMART, C G TECHNOLOGY LLC; Silk Road OP Access for Non Abu Dhabi Al Futtaim card holders are covered at this facility. EFF: 05-NOV-2018 - Provider not eligible to accept the members from Policy Group Code: 243931, 251002, 251004, 251005, 267939, Policy Group Name: Tornado Group Basic EFF: 13-NOV-2018 - Provider not eligible to accept the members for Policy Number: 251264 , Policy Group Name: Eagle Environmental Services and Pest Control (Out Patient) (Hospitals)
MUSSAFAH, ALI KAHBOUS AL ZAABI - 02-5557711
***Specialised Medical Care Hospital (Hospitals)
AL JAHLI STREET, NEAR AL AIN MUESUM - 03-7552291
***Nmc Speciality Hospital Silk Road OP Access for Non Abu Dhabi Al Futtaim card holders are covered at this facility. (Out Patient) (Hospitals)
OUD AL HASAN STREET , AL MUTAREDH AREA - 03-7555999
***Lifecare Hospital Llc-Branch 1-Lifeline Group/Mf2420 Covered for EBP OP Access for the following: Dhabi Contracting Co, AL RAKHA GEN CONT LLC, ABS Bus & car rental, Sultan Al Ghashmi Technical Works LLC, ALNASR CONTRACTING CO LLC, CITYTECH LLC, WORDSMART, C G TECHNOLOGY LLC; Silk Road OP Access for Non Abu Dhabi Al Futtaim card holders are covered at this facility. EFF: 03-SEPT-2018 - Provider not eligible to accept the members from Policy Group Code: 11782, Policy Group Name: Tornado Group Basic EFF: 06-SEPT-2018 - Provider not eligible to accept the members for Policy Number: 251264 , Policy Group Name: Eagle Environmental Services and Pest Control (Out Patient) (Hospitals)
MUSAFFAH - 02-5566666
***Al Dhannah Hospital (Prev. Ruwais Hospital) (Hospitals)
RUWAIS - 8007267
Oriana Hospital (Hospitals)
AL TAAWUN STREET - 06-5251000
Oriana Speciality Hospital L.L.C, Sharjah (Oriana Hospital) (Hospitals)
PULLMAN HOTEL, AL TAAWUN STREET, SHARJAH - 06-5918888
***Mediclinic Hospitals - Madinat Zayed Speciality-Mf2339 DR. MARC FRANCIS SINCLAIR (Consultant-Paediatric Orthopedic Surgeon) - Mediclinic will be collecting additional payment towards his consultation fee from the patients directly. THIS EXTRA AMOUNT IS NOT A SUBJECT FOR REIMBURSEMENT AND MEDNET WILL ONLY PAY THE AGREED CONSULTANT RATES WITH MEDICLINIC. (Out Patient) (Hospitals)
MADINA ZAYED - 02-8848883

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