Question 1

Which is better, Aetna International or Emirates Insurance Company?

Accepted Answer

It depends on your needs. Aetna International has 6,001 providers across 8 cities and offers 2 plans starting from AED 7,000/yr. Emirates Insurance Company has 5,672 providers across 8 cities with 2 plans from AED 2,200/yr. Choose Aetna International if you need a larger provider network, more comprehensive coverage options. Choose Emirates Insurance Company if you prioritise lower entry-level premiums.

Question 2

Is Aetna International cheaper than Emirates Insurance Company?

Accepted Answer

No, Emirates Insurance Company's entry-level plan starts from AED 2,200/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.

Question 3

Which has a bigger network in Dubai, Aetna International or Emirates Insurance Company?

Accepted Answer

Aetna International has a larger Dubai network with 3,779 providers, compared to Emirates Insurance Company's 3,325 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does Aetna International or Emirates Insurance Company cover dental?

Accepted Answer

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 Emirates Insurance Company offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Aetna International to Emirates Insurance Company?

Accepted Answer

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 Emirates Insurance Company (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 Emirates Insurance Company have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Aetna International and Emirates Insurance Company plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Aetna International and Emirates Insurance Company side-by-side. Key factors to compare: (1) Annual premium — Aetna International starts from AED 7,000/yr, Emirates Insurance Company from AED 2,200/yr, (2) Network size — 6,001 vs 5,672 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	Aetna International	Emirates Insurance Company
Type	private	private
Founded	1853	1982
Headquarters	Dubai	Abu Dhabi
Regulators	DHA, HAAD	DHA, MOHAP
Number of Plans	2	2
Premium Range	AED 7,000 – 36,000	AED 2,200 – 11,000
Total Network Size	6,001	5,672
Cities Covered	8	8
Dental	Yes	Yes
Optical	Yes	Yes
Maternity	Yes	Yes
Mental Health	Yes	Yes
International	Yes	No
Co-pay Range	0% – 20%	20%
Claims Phone	800-423862	800-364728

City	Aetna International	vs	Emirates Insurance Company
Dubai	3,779	vs	3,325
Abu Dhabi	1,252	vs	714
Sharjah	391	vs	905
Al Ain	221	vs	227
Ajman	146	vs	295
Ras Al Khaimah	116	vs	112
Fujairah	78	vs	74
Umm Al Quwain	18	vs	20

Aetna International vs Emirates Insurance Company

Aetna International

Emirates Insurance Company

Aetna International vs Emirates Insurance Company — At a Glance

Network Comparison by City

Aetna International Plans

Aetna Core Health

Aetna Premier

Emirates Insurance Company Plans

Emirates Essential Health

Emirates Corporate Health

Verdict

Aetna International vs Emirates Insurance Company — FAQ

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