Daman vs Hayah Insurance
UAE Health Insurance Comparison 2026
Daman
mandatory9,645 providers
3 plans
Est. 2005
HAAD regulated
Hayah Insurance
private3,604 providers
2 plans
Est. 2008
HAAD regulated
Daman has 3 plans starting from AED 600/yr with 9,645 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.
Daman vs Hayah Insurance — At a Glance
| Attribute | Daman | Hayah Insurance |
|---|---|---|
| Type | mandatory | private |
| Founded | 2005 | 2008 |
| Headquarters | Abu Dhabi | Abu Dhabi |
| Regulators | HAAD | HAAD |
| Number of Plans | 3 | 2 |
| Premium Range | AED 600 – 25,000 | AED 2,400 – 10,000 |
| Total Network Size | 9,645 | 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 | 0% – 20% | 20% |
| Claims Phone | 800-42626 | 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 | Daman | vs | Hayah Insurance |
|---|---|---|---|
| Dubai | 4,144 | vs | 1,601 |
| Abu Dhabi | 2,490 | vs | 1,167 |
| Sharjah | 1,352 | vs | 289 |
| Al Ain | 815 | vs | 302 |
| Ajman | 371 | vs | 116 |
| Ras Al Khaimah | 252 | vs | 71 |
| Fujairah | 170 | vs | 48 |
| Umm Al Quwain | 51 | vs | 10 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Daman Plans
Daman
Daman Basic
Low-income workers and dependants in Abu Dhabi (mandatory scheme)
AED 600 – 750/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
9,645 providers
View details →Daman
Daman Enhanced
Mid-salary employees and families in Abu Dhabi
AED 3,500 – 7,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
9,645 providers
View details →Daman
Daman Premium
Senior employees and executives in Abu Dhabi
AED 12,000 – 25,000/yr
Annual limit: AED 1.0M · private room · 0% co-pay
9,645 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 Daman if you need a larger provider network, lower entry-level premiums, more plan tiers to choose from, more comprehensive coverage options. 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.
Daman 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 Daman and Hayah Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.