Question 1

Which is better, ADNIC or Hayah Insurance?

Accepted Answer

It depends on your needs. ADNIC has 8,447 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. Hayah Insurance has 3,604 providers across 8 cities with 2 plans from AED 2,400/yr. Choose ADNIC if you need a larger provider network. Choose Hayah Insurance if you prioritise lower entry-level premiums.

Question 2

Is ADNIC cheaper than Hayah Insurance?

Accepted Answer

No, Hayah Insurance's entry-level plan starts from AED 2,400/yr, while ADNIC's cheapest plan begins at AED 2,500/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.

Question 3

Which has a bigger network in Dubai, ADNIC or Hayah Insurance?

Accepted Answer

ADNIC has a larger Dubai network with 3,744 providers, compared to Hayah Insurance's 1,601 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does ADNIC or Hayah Insurance cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. ADNIC's dental sub-limit goes up to AED 3,000/yr, while Hayah Insurance offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from ADNIC to Hayah Insurance?

Accepted Answer

Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from ADNIC to Hayah Insurance (or vice versa), be aware of: (1) Pre-existing condition waiting periods may restart — check the new insurer's policy, (2) Maternity waiting periods usually reset, (3) Any ongoing treatment authorisations need to be re-submitted. Coordinate with your employer's HR department if on a group plan. Both ADNIC and Hayah Insurance have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare ADNIC and Hayah Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare ADNIC and Hayah Insurance side-by-side. Key factors to compare: (1) Annual premium — ADNIC starts from AED 2,500/yr, Hayah Insurance from AED 2,400/yr, (2) Network size — 8,447 vs 3,604 providers, (3) Coverage — dental, optical, maternity, and mental health inclusion, (4) Co-pay percentages, and (5) Provider availability in your city. Scroll down for the full comparison table.

Attribute	ADNIC	Hayah Insurance
Type	private	private
Founded	1972	2008
Headquarters	Abu Dhabi	Abu Dhabi
Regulators	HAAD, DHA, MOHAP	HAAD
Number of Plans	2	2
Premium Range	AED 2,500 – 11,000	AED 2,400 – 10,000
Total Network Size	8,447	3,604
Cities Covered	8	8
Dental	Yes	Yes
Optical	Yes	Yes
Maternity	Yes	Yes
Mental Health	Yes	Yes
International	No	No
Co-pay Range	20%	20%
Claims Phone	800-23642	800-42924

City	ADNIC	vs	Hayah Insurance
Dubai	3,744	vs	1,601
Abu Dhabi	2,340	vs	1,167
Sharjah	983	vs	289
Al Ain	762	vs	302
Ajman	273	vs	116
Ras Al Khaimah	202	vs	71
Fujairah	110	vs	48
Umm Al Quwain	33	vs	10

ADNIC vs Hayah Insurance

ADNIC

Hayah Insurance

ADNIC vs Hayah Insurance — At a Glance

Network Comparison by City

ADNIC Plans

ADNIC Basic Health

ADNIC Enhanced Health

Hayah Insurance Plans

Hayah Basic Health

Hayah Family Care

Verdict

ADNIC vs Hayah Insurance — FAQ

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