Aetna International vs Arabia Insurance
UAE Health Insurance Comparison 2026
Aetna International
private5,920 providers
2 plans
Est. 1853
DHA, HAAD regulated
Arabia Insurance
private4,530 providers
2 plans
Est. 1944
DHA, HAAD regulated
Aetna International has 2 plans starting from AED 7,000/yr with 5,920 providers across 8 cities. Arabia Insurance has 2 plans starting from AED 2,500/yr with 4,530 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Aetna International vs Arabia Insurance — At a Glance
| Attribute | Aetna International | Arabia Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1853 | 1944 |
| Headquarters | Dubai | Beirut (UAE offices in Abu Dhabi, Dubai, Sharjah) |
| Regulators | DHA, HAAD | DHA, HAAD |
| Number of Plans | 2 | 2 |
| Premium Range | AED 7,000 – 36,000 | AED 2,500 – 11,000 |
| Total Network Size | 5,920 | 4,530 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | No |
| International | Yes | No |
| Co-pay Range | 0% – 20% | 20% |
| Claims Phone | 800-423862 | 04-265-1500 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | Aetna International | vs | Arabia Insurance |
|---|---|---|---|
| Dubai | 3,714 | vs | 2,500 |
| Abu Dhabi | 1,250 | vs | 880 |
| Sharjah | 387 | vs | 662 |
| Al Ain | 218 | vs | 191 |
| Ajman | 146 | vs | 123 |
| Ras Al Khaimah | 112 | vs | 105 |
| Fujairah | 76 | vs | 57 |
| Umm Al Quwain | 17 | vs | 12 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Aetna International 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 →Arabia Insurance Plans
Arabia Insurance
Arabia Basic Health
SMEs in Dubai and Abu Dhabi meeting mandatory requirements
AED 2,500 – 4,500/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
4,530 providers
View details →Arabia Insurance
Arabia Enhanced Health
Corporate employees and families
AED 5,500 – 11,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
4,530 providers
View details →Verdict
Choose Aetna International if you need a larger provider network, more comprehensive coverage options. Choose Arabia Insurance if you prioritise lower entry-level premiums. Both are established insurers in the UAE market. The best choice depends on your employer's plan options, budget, required coverage, and preferred hospital network in your city.
Aetna International vs Arabia Insurance — FAQ
Which is better, Aetna International or Arabia Insurance?
It depends on your needs. Aetna International has 5,920 providers across 8 cities and offers 2 plans starting from AED 7,000/yr. Arabia Insurance has 4,530 providers across 8 cities with 2 plans from AED 2,500/yr. Choose Aetna International if you need a larger provider network, more comprehensive coverage options. Choose Arabia Insurance if you prioritise lower entry-level premiums.
Is Aetna International cheaper than Arabia Insurance?
No, Arabia Insurance's entry-level plan starts from AED 2,500/yr, while Aetna International's cheapest plan begins at AED 7,000/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.
Which has a bigger network in Dubai, Aetna International or Arabia Insurance?
Aetna International has a larger Dubai network with 3,714 providers, compared to Arabia Insurance's 2,500 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does Aetna International or Arabia Insurance cover dental?
Both insurers offer dental coverage on their enhanced and premium plans. Aetna International's dental sub-limit goes up to AED 12,000/yr, while Arabia Insurance offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Aetna International to Arabia Insurance?
Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Aetna International to Arabia 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 Aetna International and Arabia Insurance have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Aetna International and Arabia Insurance plans?
Use the UAE Health Insurance Navigator on this page to compare Aetna International and Arabia Insurance side-by-side. Key factors to compare: (1) Annual premium — Aetna International starts from AED 7,000/yr, Arabia Insurance from AED 2,500/yr, (2) Network size — 5,920 vs 4,530 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.
Related Comparisons
Disclaimer: Plan details, premiums, and network sizes are indicative, based on publicly available UAE insurance market data. Obtain personalised quotes from Aetna International and Arabia Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.