Emirates Insurance Company vs Hayah Insurance
UAE Health Insurance Comparison 2026
Emirates Insurance Company
private5,672 providers
2 plans
Est. 1982
DHA, MOHAP regulated
Hayah Insurance
private3,604 providers
2 plans
Est. 2008
HAAD regulated
Emirates Insurance Company has 2 plans starting from AED 2,200/yr with 5,672 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.
Emirates Insurance Company vs Hayah Insurance — At a Glance
| Attribute | Emirates Insurance Company | Hayah Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1982 | 2008 |
| Headquarters | Abu Dhabi | Abu Dhabi |
| Regulators | DHA, MOHAP | HAAD |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,200 – 11,000 | AED 2,400 – 10,000 |
| Total Network Size | 5,672 | 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 | 800-364728 | 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 | Emirates Insurance Company | vs | Hayah Insurance |
|---|---|---|---|
| Dubai | 3,325 | vs | 1,601 |
| Abu Dhabi | 714 | vs | 1,167 |
| Sharjah | 905 | vs | 289 |
| Al Ain | 227 | vs | 302 |
| Ajman | 295 | vs | 116 |
| Ras Al Khaimah | 112 | vs | 71 |
| Fujairah | 74 | vs | 48 |
| Umm Al Quwain | 20 | vs | 10 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Emirates Insurance Company Plans
Emirates Insurance Company
Emirates Essential Health
Individuals and SMEs in Dubai and Northern Emirates
AED 2,200 – 4,000/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
5,672 providers
View details →Emirates Insurance Company
Emirates Corporate Health
Corporate employees in Dubai and Northern Emirates
AED 5,000 – 11,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
5,672 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 Emirates Insurance Company if you need a larger provider network, lower entry-level premiums. 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.
Emirates 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 Emirates Insurance Company and Hayah Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.