Al Sagr National Insurance vs Hayah Insurance
UAE Health Insurance Comparison 2026
Al Sagr National Insurance
private4,938 providers
2 plans
Est. 1979
HAAD, DHA regulated
Hayah Insurance
private3,604 providers
2 plans
Est. 2008
HAAD regulated
Al Sagr National Insurance has 2 plans starting from AED 2,200/yr with 4,938 providers across 8 cities. Hayah Insurance has 2 plans starting from AED 2,400/yr with 3,604 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Al Sagr National Insurance vs Hayah Insurance — At a Glance
| Attribute | Al Sagr National Insurance | Hayah Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1979 | 2008 |
| Headquarters | Dubai | Abu Dhabi |
| Regulators | HAAD, DHA | HAAD |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,200 – 10,000 | AED 2,400 – 10,000 |
| Total Network Size | 4,938 | 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 | 02-641-7755 | 800-42924 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | Al Sagr National Insurance | vs | Hayah Insurance |
|---|---|---|---|
| Dubai | 2,641 | vs | 1,601 |
| Abu Dhabi | 1,396 | vs | 1,167 |
| Sharjah | 355 | vs | 289 |
| Al Ain | 235 | vs | 302 |
| Ajman | 146 | vs | 116 |
| Ras Al Khaimah | 91 | vs | 71 |
| Fujairah | 58 | vs | 48 |
| Umm Al Quwain | 16 | vs | 10 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Al Sagr National Insurance Plans
Al Sagr National Insurance
Al Sagr Basic Health
Employees in Abu Dhabi meeting mandatory HAAD requirements
AED 2,200 – 4,200/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
4,938 providers
View details →Al Sagr National Insurance
Al Sagr Enhanced Health
Corporate employees and families in Abu Dhabi and Dubai
AED 5,000 – 10,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
4,938 providers
View details →Hayah Insurance Plans
Hayah Insurance
Hayah Basic Health
Individuals and small businesses in Abu Dhabi
AED 2,400 – 4,300/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
3,604 providers
View details →Hayah Insurance
Hayah Family Care
Families and corporate employees in Abu Dhabi
AED 5,000 – 10,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
3,604 providers
View details →Verdict
Choose Al Sagr National Insurance if you need a larger provider network, lower entry-level premiums. Choose Hayah Insurance if you prioritise strong coverage and established reputation. 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.
Al Sagr National Insurance vs Hayah Insurance — FAQ
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Disclaimer: Plan details, premiums, and network sizes are indicative, based on publicly available UAE insurance market data. Obtain personalised quotes from Al Sagr National Insurance and Hayah Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.