AXA vs Fidelity United Insurance
UAE Health Insurance Comparison 2026
AXA
private9,444 providers
3 plans
Est. 1985
DHA, HAAD, MOHAP regulated
Fidelity United Insurance
private5,583 providers
2 plans
Est. 1976
DHA regulated
AXA has 3 plans starting from AED 3,000/yr with 9,444 providers across 8 cities. Fidelity United Insurance has 2 plans starting from AED 2,300/yr with 5,583 providers across 8 cities. Both insurers have their strongest presence in Dubai.
AXA vs Fidelity United Insurance — At a Glance
| Attribute | AXA | Fidelity United Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1985 | 1976 |
| Headquarters | Dubai (Gulf HQ) | Dubai |
| Regulators | DHA, HAAD, MOHAP | DHA |
| Number of Plans | 3 | 2 |
| Premium Range | AED 3,000 – 35,000 | AED 2,300 – 10,500 |
| Total Network Size | 9,444 | 5,583 |
| 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 | 800-292 | 04-263-2444 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | AXA | vs | Fidelity United Insurance |
|---|---|---|---|
| Dubai | 5,070 | vs | 3,434 |
| Abu Dhabi | 2,141 | vs | 686 |
| Sharjah | 1,141 | vs | 829 |
| Al Ain | 435 | vs | 219 |
| Ajman | 272 | vs | 244 |
| Ras Al Khaimah | 224 | vs | 95 |
| Fujairah | 134 | vs | 61 |
| Umm Al Quwain | 27 | vs | 15 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
AXA Plans
AXA
AXA SmartHealth Essential
Individuals and small companies meeting mandatory requirements
AED 3,000 – 5,500/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
9,444 providers
View details →AXA
AXA SmartHealth Gold
Corporate employees and families seeking comprehensive coverage
AED 7,000 – 14,000/yr
Annual limit: AED 750,000 · semi-private room · 20% co-pay
9,444 providers
View details →AXA
AXA SmartHealth Platinum
Senior executives and high-net-worth individuals
AED 18,000 – 35,000/yr
Annual limit: AED 2.0M · private room · 0% co-pay
9,444 providers
View details →Fidelity United Insurance Plans
Fidelity United Insurance
Fidelity Basic Health
Small businesses in Dubai meeting DHA mandatory requirements
AED 2,300 – 4,200/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
5,583 providers
View details →Fidelity United Insurance
Fidelity Corporate Health
Corporate employees in Dubai
AED 5,000 – 10,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
5,583 providers
View details →Verdict
Choose AXA if you need a larger provider network, more plan tiers to choose from, more comprehensive coverage options. Choose Fidelity United Insurance if you prioritise lower entry-level premiums. 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.
AXA vs Fidelity United 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 AXA and Fidelity United Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.