Arabia Insurance vs Hayah Insurance
UAE Health Insurance Comparison 2026
Arabia Insurance
private4,594 providers
2 plans
Est. 1944
DHA, HAAD regulated
Hayah Insurance
private3,604 providers
2 plans
Est. 2008
HAAD regulated
Arabia Insurance has 2 plans starting from AED 2,500/yr with 4,594 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.
Arabia Insurance vs Hayah Insurance — At a Glance
| Attribute | Arabia Insurance | Hayah Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1944 | 2008 |
| Headquarters | Beirut (UAE offices in Abu Dhabi, Dubai, Sharjah) | Abu Dhabi |
| Regulators | DHA, HAAD | HAAD |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 11,000 | AED 2,400 – 10,000 |
| Total Network Size | 4,594 | 3,604 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | No | Yes |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 04-265-1500 | 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 | Arabia Insurance | vs | Hayah Insurance |
|---|---|---|---|
| Dubai | 2,550 | vs | 1,601 |
| Abu Dhabi | 880 | vs | 1,167 |
| Sharjah | 666 | vs | 289 |
| Al Ain | 196 | vs | 302 |
| Ajman | 124 | vs | 116 |
| Ras Al Khaimah | 108 | vs | 71 |
| Fujairah | 58 | vs | 48 |
| Umm Al Quwain | 12 | vs | 10 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Arabia Insurance Plans
Arabia Insurance
Arabia Basic Health
SMEs in Dubai and Abu Dhabi meeting mandatory requirements
AED 2,500 – 4,500/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
4,594 providers
View details →Arabia Insurance
Arabia Enhanced Health
Corporate employees and families
AED 5,500 – 11,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
4,594 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 Arabia Insurance if you need a larger provider network. Choose Hayah Insurance if you prioritise lower entry-level premiums, more comprehensive coverage options. 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.
Arabia 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 Arabia Insurance and Hayah Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.