Question 1

Which is better, Emirates Insurance Company or MetLife?

Accepted Answer

It depends on your needs. Emirates Insurance Company has 5,672 providers across 8 cities and offers 2 plans starting from AED 2,200/yr. MetLife has 8,008 providers across 8 cities with 2 plans from AED 2,800/yr. Choose Emirates Insurance Company if you need lower entry-level premiums. Choose MetLife if you prioritise a larger provider network.

Question 2

Is Emirates Insurance Company cheaper than MetLife?

Accepted Answer

Yes, Emirates Insurance Company's entry-level plan starts from AED 2,200/yr, compared to MetLife's cheapest plan at AED 2,800/yr. However, plan pricing varies by age, nationality, visa type, and employer. Enhanced and premium tiers may differ. Always obtain a personalised quote from each insurer.

Question 3

Which has a bigger network in Dubai, Emirates Insurance Company or MetLife?

Accepted Answer

MetLife has a larger Dubai network with 4,616 providers, compared to Emirates Insurance Company's 3,325 providers. Network sizes are based on the UAE Open Healthcare Directory data.

Question 4

Does Emirates Insurance Company or MetLife cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. Emirates Insurance Company's dental sub-limit goes up to AED 3,000/yr, while MetLife offers up to AED 3,500/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Emirates Insurance Company to MetLife?

Accepted Answer

Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Emirates Insurance Company to MetLife (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 Emirates Insurance Company and MetLife have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Emirates Insurance Company and MetLife plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Emirates Insurance Company and MetLife side-by-side. Key factors to compare: (1) Annual premium — Emirates Insurance Company starts from AED 2,200/yr, MetLife from AED 2,800/yr, (2) Network size — 5,672 vs 8,008 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	Emirates Insurance Company	MetLife
Type	private	private
Founded	1982	1868
Headquarters	Abu Dhabi	Dubai
Regulators	DHA, MOHAP	DHA, HAAD
Number of Plans	2	2
Premium Range	AED 2,200 – 11,000	AED 2,800 – 13,000
Total Network Size	5,672	8,008
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	800-638543

City	Emirates Insurance Company	vs	MetLife
Dubai	3,325	vs	4,616
Abu Dhabi	714	vs	1,744
Sharjah	905	vs	806
Al Ain	227	vs	344
Ajman	295	vs	220
Ras Al Khaimah	112	vs	150
Fujairah	74	vs	93
Umm Al Quwain	20	vs	35

Emirates Insurance Company vs MetLife

Emirates Insurance Company

MetLife

Emirates Insurance Company vs MetLife — At a Glance

Network Comparison by City

Emirates Insurance Company Plans

Emirates Essential Health

Emirates Corporate Health

MetLife Plans

MetLife Essential Health

MetLife Corporate Plus

Verdict

Emirates Insurance Company vs MetLife — FAQ

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