Question 1

Which is better, AXA or Hayah Insurance?

Accepted Answer

It depends on your needs. AXA has 9,444 providers across 8 cities and offers 3 plans starting from AED 3,000/yr. Hayah Insurance has 3,604 providers across 8 cities with 2 plans from AED 2,400/yr. Choose AXA if you need a larger provider network, more plan tiers to choose from, more comprehensive coverage options. Choose Hayah Insurance if you prioritise lower entry-level premiums.

Question 2

Is AXA cheaper than Hayah Insurance?

Accepted Answer

No, Hayah Insurance's entry-level plan starts from AED 2,400/yr, while AXA's cheapest plan begins at AED 3,000/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, AXA or Hayah Insurance?

Accepted Answer

AXA has a larger Dubai network with 5,070 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 AXA or Hayah Insurance cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. AXA's dental sub-limit goes up to AED 10,000/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 AXA 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 AXA 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 AXA and Hayah Insurance have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare AXA and Hayah Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare AXA and Hayah Insurance side-by-side. Key factors to compare: (1) Annual premium — AXA starts from AED 3,000/yr, Hayah Insurance from AED 2,400/yr, (2) Network size — 9,444 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	AXA	Hayah Insurance
Type	private	private
Founded	1985	2008
Headquarters	Dubai (Gulf HQ)	Abu Dhabi
Regulators	DHA, HAAD, MOHAP	HAAD
Number of Plans	3	2
Premium Range	AED 3,000 – 35,000	AED 2,400 – 10,000
Total Network Size	9,444	3,604
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	800-42924

City	AXA	vs	Hayah Insurance
Dubai	5,070	vs	1,601
Abu Dhabi	2,141	vs	1,167
Sharjah	1,141	vs	289
Al Ain	435	vs	302
Ajman	272	vs	116
Ras Al Khaimah	224	vs	71
Fujairah	134	vs	48
Umm Al Quwain	27	vs	10

AXA vs Hayah Insurance

AXA

Hayah Insurance

AXA vs Hayah Insurance — At a Glance

Network Comparison by City

AXA Plans

AXA SmartHealth Essential

AXA SmartHealth Gold

AXA SmartHealth Platinum

Hayah Insurance Plans

Hayah Basic Health

Hayah Family Care

Verdict

AXA vs Hayah Insurance — FAQ

Related Comparisons