Aetna International vs Hayah 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. Hayah Insurance has 3,567 providers across 8 cities with 2 plans from AED 2,400/yr. Choose Aetna International if you need a larger provider network, more comprehensive coverage options. Choose Hayah Insurance if you prioritise lower entry-level premiums.

No, Hayah Insurance's entry-level plan starts from AED 2,400/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.

Aetna International has a larger Dubai network with 3,714 providers, compared to Hayah Insurance's 1,575 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

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

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 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 Aetna International and Hayah Insurance have dedicated claims and onboarding teams to facilitate the transition.

Use the UAE Health Insurance Navigator on this page to compare Aetna International and Hayah Insurance side-by-side. Key factors to compare: (1) Annual premium — Aetna International starts from AED 7,000/yr, Hayah Insurance from AED 2,400/yr, (2) Network size — 5,920 vs 3,567 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.