Dubai Insurance Company vs Hayah Insurance
UAE Health Insurance Comparison 2026
Dubai Insurance Company
private8,676 providers
2 plans
Est. 1970
DHA regulated
Hayah Insurance
private3,604 providers
2 plans
Est. 2008
HAAD regulated
Dubai Insurance Company has 2 plans starting from AED 2,500/yr with 8,676 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.
Dubai Insurance Company vs Hayah Insurance — At a Glance
| Attribute | Dubai Insurance Company | Hayah Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1970 | 2008 |
| Headquarters | Dubai | Abu Dhabi |
| Regulators | DHA | HAAD |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 12,000 | AED 2,400 – 10,000 |
| Total Network Size | 8,676 | 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 | 04-262-5252 | 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 | Dubai Insurance Company | vs | Hayah Insurance |
|---|---|---|---|
| Dubai | 5,248 | vs | 1,601 |
| Abu Dhabi | 1,107 | vs | 1,167 |
| Sharjah | 1,310 | vs | 289 |
| Al Ain | 371 | vs | 302 |
| Ajman | 321 | vs | 116 |
| Ras Al Khaimah | 175 | vs | 71 |
| Fujairah | 106 | vs | 48 |
| Umm Al Quwain | 38 | vs | 10 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Dubai Insurance Company Plans
Dubai Insurance Company
DIC Essential Health
Small businesses and individuals in Dubai meeting DHA mandate
AED 2,500 – 4,000/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
8,676 providers
View details →Dubai Insurance Company
DIC Corporate Health
Mid-size companies and their employees in Dubai
AED 5,000 – 12,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
8,676 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 Dubai Insurance Company if you need a larger provider network. Choose Hayah 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.
Dubai Insurance Company 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 Dubai Insurance Company and Hayah Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.