Question 1

Which is better, Aetna International or Union Insurance?

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. Union Insurance has 6,349 providers across 8 cities with 2 plans from AED 2,300/yr. Choose Aetna International if you need more comprehensive coverage options. Choose Union Insurance if you prioritise a larger provider network, lower entry-level premiums.

Question 2

Is Aetna International cheaper than Union Insurance?

Accepted Answer

No, Union Insurance's entry-level plan starts from AED 2,300/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 Union Insurance?

Accepted Answer

Aetna International has a larger Dubai network with 3,779 providers, compared to Union Insurance's 3,229 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does Aetna International or Union Insurance 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 Union Insurance offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Aetna International to Union 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 Aetna International to Union 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 Union Insurance have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Aetna International and Union Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Aetna International and Union Insurance side-by-side. Key factors to compare: (1) Annual premium — Aetna International starts from AED 7,000/yr, Union Insurance from AED 2,300/yr, (2) Network size — 6,001 vs 6,349 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	Union Insurance
Type	private	private
Founded	1853	1998
Headquarters	Dubai	Dubai
Regulators	DHA, HAAD	HAAD, DHA
Number of Plans	2	2
Premium Range	AED 7,000 – 36,000	AED 2,300 – 10,500
Total Network Size	6,001	6,349
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	02-677-5050

City	Aetna International	vs	Union Insurance
Dubai	3,779	vs	3,229
Abu Dhabi	1,252	vs	1,646
Sharjah	391	vs	838
Al Ain	221	vs	237
Ajman	146	vs	162
Ras Al Khaimah	116	vs	133
Fujairah	78	vs	77
Umm Al Quwain	18	vs	27

Aetna International vs Union Insurance

Aetna International

Union Insurance

Aetna International vs Union Insurance — At a Glance

Network Comparison by City

Aetna International Plans

Aetna Core Health

Aetna Premier

Union Insurance Plans

Union Basic Health

Union Enhanced Health

Verdict

Aetna International vs Union Insurance — FAQ

Related Comparisons