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
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)
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)
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 -
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)
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
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
Our Son's Life Was Saved, Thanks to Our InsuranceWe never thought we’d face a medical emergency, but life had other plans. When our youngest son suddenly needed urgent surgery, we were caught off guard. The hospital bills started to pile up and without our family health insurance from Policybazaar.ae, it would have been impossible to manage. The insurance covered everything and we could focus solely on our son’s recovery.
Sadiya KhatumDubai, October 11, 2024
★★★★★
Our Parents and Kids Are Covered – No More WorriesWith elderly parents and two young kids, we knew we couldn’t afford to take any chances with our family’s health. We were worried about finding a policy that would cover everyone but then we found Policybazaar.ae. The platform made it easy to compare different options and choose the best one for us. Whether it’s routine checkups for our parents or an unexpected hospital visit, our health insurance has been a lifesaver.
NadeemDubai, August 4, 2023
★★★★★
Highly Recommend Hayah Health InsuranceI recently purchased a health insurance plan from HAYA Insurance in the UAE, and I'm thoroughly impressed with the benefits it offers. The plan provides extensive coverage for hospitalisation, doctor consultations, and prescription medications. With a vast network of healthcare providers, I feel reassured about accessing quality medical services. Their prompt customer support and hassle-free claims process add to the overall satisfaction. Highly recommended!
Sazid KhanDubai, May 8, 2023
★★★★★
Best Family Health Insurance I purchased the best family health insurance policy in the UAE through Policybazaar UAE, which is known as one of the top insurance marketplaces for fulfilling all types of insurance requirements.
Kadreen SaifiRas Al Khaimah, December 2, 2022
★★★★★
Smooth and hassle-free experienceIrrespective of the insurance type, it has always been a tedious task for me to find the best plan. While I was looking for family health insurance, policybazaar came into my searches. I went through its website and was surprised to see the plethora of insurance options available. I compared and purchased the best insurance within a few minutes! Completely overwhelmed by their services.
Veena DasSharjah, November 25, 2022
★★★★★
Best health insurance for my family also customer support team was very helpful thank you policybazaar.aeI was completely unaware of how to select the best health insurance for my family. However, policybazaar made that simple for me and helped me buy an ideal plan. Also, thanks to the customer support team, who assisted me throughout the process.
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