Question 1

Which is better, Alliance Insurance or Hayah Insurance?

Accepted Answer

It depends on your needs. Alliance Insurance has 4,748 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. Hayah Insurance has 3,604 providers across 8 cities with 2 plans from AED 2,400/yr. Choose Alliance Insurance if you need a larger provider network. Choose Hayah Insurance if you prioritise lower entry-level premiums.

Question 2

Is Alliance Insurance cheaper than Hayah Insurance?

Accepted Answer

No, Hayah Insurance's entry-level plan starts from AED 2,400/yr, while Alliance Insurance's cheapest plan begins at AED 2,500/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, Alliance Insurance or Hayah Insurance?

Accepted Answer

Alliance Insurance has a larger Dubai network with 2,941 providers, compared to Hayah Insurance's 1,601 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does Alliance Insurance or Hayah Insurance cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. Alliance Insurance's dental sub-limit goes up to AED 3,500/yr, while Hayah Insurance offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Alliance Insurance to Hayah 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 Alliance Insurance 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 Alliance Insurance and Hayah Insurance have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Alliance Insurance and Hayah Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Alliance Insurance and Hayah Insurance side-by-side. Key factors to compare: (1) Annual premium — Alliance Insurance starts from AED 2,500/yr, Hayah Insurance from AED 2,400/yr, (2) Network size — 4,748 vs 3,604 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	Alliance Insurance	Hayah Insurance
Type	private	private
Founded	1975	2008
Headquarters	Dubai	Abu Dhabi
Regulators	DHA	HAAD
Number of Plans	2	2
Premium Range	AED 2,500 – 11,500	AED 2,400 – 10,000
Total Network Size	4,748	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	04-263-2222	800-42924

City	Alliance Insurance	vs	Hayah Insurance
Dubai	2,941	vs	1,601
Abu Dhabi	599	vs	1,167
Sharjah	721	vs	289
Al Ain	183	vs	302
Ajman	140	vs	116
Ras Al Khaimah	90	vs	71
Fujairah	56	vs	48
Umm Al Quwain	18	vs	10

Alliance Insurance vs Hayah Insurance

Alliance Insurance

Hayah Insurance

Alliance Insurance vs Hayah Insurance — At a Glance

Network Comparison by City

Alliance Insurance Plans

Alliance Basic Health

Alliance Corporate Health

Hayah Insurance Plans

Hayah Basic Health

Hayah Family Care

Verdict

Alliance Insurance vs Hayah Insurance — FAQ

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