Fidelity United Insurance vs Hayah Insurance

It depends on your needs. Fidelity United Insurance has 5,501 providers across 8 cities and offers 2 plans starting from AED 2,300/yr. Hayah Insurance has 3,567 providers across 8 cities with 2 plans from AED 2,400/yr. Choose Fidelity United Insurance if you need a larger provider network, lower entry-level premiums. Choose Hayah Insurance if you prioritise strong coverage and established reputation.

Yes, Fidelity United Insurance's entry-level plan starts from AED 2,300/yr, compared to Hayah Insurance's cheapest plan at AED 2,400/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.

Fidelity United Insurance has a larger Dubai network with 3,374 providers, compared to Hayah Insurance's 1,575 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

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

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

Use the UAE Health Insurance Navigator on this page to compare Fidelity United Insurance and Hayah Insurance side-by-side. Key factors to compare: (1) Annual premium — Fidelity United Insurance starts from AED 2,300/yr, Hayah Insurance from AED 2,400/yr, (2) Network size — 5,501 vs 3,567 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.