UAE insurer profile
Aetna International
Est. 1853 · Dubai · DHA, HAAD regulated
Part of CVS Health — one of the largest US healthcare companies. Aetna International offers 2 health insurance plans in the UAE, accepted by 5,920 healthcare providers across 8 cities. Data cross-referenced with the UAE Open Healthcare Directory.
At a glance
Key facts.
- Part of CVS Health — one of the largest US healthcare companies
- Specialist in international and expat health insurance
- Strong global provider network across 200+ countries
- Popular with US-based multinational employers in the UAE
Coverage matrix
Coverage at a glance.
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| Aetna Core Health | Enhanced | AED 7,000 – 13,000/yr | AED 1.0M | 20% | ✓ | — |
| Aetna Premier | Premium | AED 19,000 – 36,000/yr | AED 2.0M | 0% | ✓ | ✓ |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Plan catalogue
Insurance plans.
Aetna International
Aetna Core Health
Expat professionals and families in the UAE
AED 7,000 – 13,000/yr
Annual limit: AED 1.0M · semi-private room · 20% co-pay
5,920 providers
View details →Aetna International
Aetna Premier
Senior executives and HNW expats requiring global coverage
AED 19,000 – 36,000/yr
Annual limit: AED 2.0M · private room · 0% co-pay
5,920 providers
View details →Who accepts this
Provider network.
Providers by City
Top Specialties in Network
The claims flow
How claims work with Aetna International.
Direct billing. Present your Aetna International insurance card at any in-network provider. The clinic or hospital bills Aetna International directly — you pay only your applicable co-pay (20%–0% 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 aetnainternational.com or call 800-423862. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact Aetna International at least 48 hours in advance.
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Top clinics accepting Aetna International.
Curated rankings by city and specialty — all providers accepting Aetna International insurance, ranked by patient ratings.
Compare Aetna International with other insurers
Side-by-side plan comparison across all 38 UAE insurers
Questions
About Aetna International.
Aetna International Insurance — FAQ
What health insurance plans does Aetna International offer in the UAE?
Aetna International offers 2 health insurance plans in the UAE: Aetna Core Health, Aetna Premier. Plans range from AED 7,000 – 13,000/yr to AED 19,000 – 36,000/yr annually.
How many healthcare providers accept Aetna International insurance?
According to the UAE Open Healthcare Directory, 5,920 healthcare providers across 8 UAE cities accept Aetna International insurance. This includes hospitals, clinics, dental practices, and specialist centers.
Does Aetna International cover dental and maternity?
Dental and maternity coverage depends on the plan tier. Yes, Aetna International's enhanced and premium plans include dental coverage. Maternity is covered with waiting periods ranging from 6 to 10 months.
Is Aetna International the UAE healthcare regulator or HAAD compliant?
Aetna International is regulated by DHA and HAAD. The UAE healthcare regulator (Dubai) compliance means all plans meet the Essential Benefits Package required for Dubai residents and workers. Additionally, Health Authority Abu Dhabi (HAAD/DoH) oversight ensures plans meet Abu Dhabi's mandatory Thiqa and basic scheme requirements.
How do I file a claim with Aetna International?
To file a claim with Aetna International, call their claims line at 800-423862. For direct billing, simply present your Aetna International insurance card at any in-network provider — the clinic or hospital settles directly with the insurer. For reimbursement claims (out-of-network or emergency), submit itemised invoices, a completed claim form, and your doctor's report within 90 days of treatment via aetnainternational.com or by post to their Dubai office.
What is the cheapest Aetna International plan?
The most affordable Aetna International plan is the Aetna Core Health (Enhanced tier), starting from AED 7,000 – 13,000/yr annually. It covers inpatient, outpatient, maternity with a 20% outpatient co-pay and an annual limit of AED 1.0M.
Does Aetna International have a mobile app for claims?
Aetna International offers digital claims submission through their member portal at aetnainternational.com. Most major UAE insurers, including Aetna International, provide a mobile app or online portal where members can submit reimbursement claims, view policy documents, check coverage limits, find in-network providers, and download tax invoices. Download the Aetna International app from the App Store or Google Play, or log in via their website to access self-service claim tools.
Disclaimer. Plan details and premiums are indicative. Obtain a personalised quote from Aetna International or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.