DNI Health Insurance Plans - Types, Features and Coverage

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

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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

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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

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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