Al Wathba National Insurance vs Hayah Insurance
UAE Health Insurance Comparison 2026
Al Wathba National Insurance
private4,330 providers
2 plans
Est. 1996
HAAD regulated
Hayah Insurance
private3,604 providers
2 plans
Est. 2008
HAAD regulated
Al Wathba National Insurance has 2 plans starting from AED 2,100/yr with 4,330 providers across 8 cities. Hayah Insurance has 2 plans starting from AED 2,400/yr with 3,604 providers across 8 cities. Al Wathba National Insurance is strongest in Abu Dhabi while Hayah Insurance has the most providers in Dubai.
Al Wathba National Insurance vs Hayah Insurance — At a Glance
| Attribute | Al Wathba National Insurance | Hayah Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1996 | 2008 |
| Headquarters | Abu Dhabi | Abu Dhabi |
| Regulators | HAAD | HAAD |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,100 – 9,500 | AED 2,400 – 10,000 |
| Total Network Size | 4,330 | 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 | 800-29642 | 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 Wathba National Insurance | vs | Hayah Insurance |
|---|---|---|---|
| Dubai | 1,524 | vs | 1,601 |
| Abu Dhabi | 1,652 | vs | 1,167 |
| Al Ain | 456 | vs | 302 |
| Sharjah | 362 | vs | 289 |
| Ajman | 139 | vs | 116 |
| Ras Al Khaimah | 101 | vs | 71 |
| Fujairah | 73 | vs | 48 |
| Umm Al Quwain | 23 | vs | 10 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Al Wathba National Insurance Plans
Al Wathba National Insurance
Al Wathba Basic Health
SMEs and employees in Abu Dhabi meeting HAAD requirements
AED 2,100 – 3,800/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
4,330 providers
View details →Al Wathba National Insurance
Al Wathba Enhanced Health
Corporate employees and families in Abu Dhabi
AED 4,500 – 9,500/yr
Annual limit: AED 400,000 · semi-private room · 20% co-pay
4,330 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 Wathba 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 Wathba 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 Wathba National Insurance and Hayah Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.