Dubai National Insurance vs Hayah Insurance
UAE Health Insurance Comparison 2026
Dubai National Insurance
private6,180 providers
2 plans
Est. 1991
DHA regulated
Hayah Insurance
private3,604 providers
2 plans
Est. 2008
HAAD regulated
Dubai National Insurance has 2 plans starting from AED 2,200/yr with 6,180 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 National Insurance vs Hayah Insurance — At a Glance
| Attribute | Dubai National Insurance | Hayah Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1991 | 2008 |
| Headquarters | Dubai | Abu Dhabi |
| Regulators | DHA | HAAD |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,200 – 10,000 | AED 2,400 – 10,000 |
| Total Network Size | 6,180 | 3,604 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | No | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 04-262-4000 | 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 National Insurance | vs | Hayah Insurance |
|---|---|---|---|
| Dubai | 4,292 | vs | 1,601 |
| Abu Dhabi | 710 | vs | 1,167 |
| Sharjah | 639 | vs | 289 |
| Al Ain | 192 | vs | 302 |
| Ajman | 157 | vs | 116 |
| Ras Al Khaimah | 108 | vs | 71 |
| Fujairah | 70 | vs | 48 |
| Umm Al Quwain | 12 | vs | 10 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Dubai National Insurance Plans
Dubai National Insurance
DNIR Basic Health
Employers in Dubai meeting DHA mandatory requirements
AED 2,200 – 4,000/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
6,180 providers
View details →Dubai National Insurance
DNIR Enhanced Health
Corporate employees in Dubai
AED 5,000 – 10,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
6,180 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 National Insurance if you need a larger provider network, lower entry-level premiums. Choose Hayah Insurance if you prioritise 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.
Dubai National Insurance vs Hayah Insurance — FAQ
Related Comparisons
Disclaimer: Plan details, premiums, and network sizes are indicative, based on publicly available UAE insurance market data. Obtain personalised quotes from Dubai National Insurance and Hayah Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.