Fidelity United Insurance vs Hayah Insurance
UAE Health Insurance Comparison 2026
Fidelity United Insurance
private5,583 providers
2 plans
Est. 1976
DHA regulated
Hayah Insurance
private3,604 providers
2 plans
Est. 2008
HAAD regulated
Fidelity United Insurance has 2 plans starting from AED 2,300/yr with 5,583 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.
Fidelity United Insurance vs Hayah Insurance — At a Glance
| Attribute | Fidelity United Insurance | Hayah Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1976 | 2008 |
| Headquarters | Dubai | Abu Dhabi |
| Regulators | DHA | HAAD |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,300 – 10,500 | AED 2,400 – 10,000 |
| Total Network Size | 5,583 | 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 | 04-263-2444 | 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 | Fidelity United Insurance | vs | Hayah Insurance |
|---|---|---|---|
| Dubai | 3,434 | vs | 1,601 |
| Abu Dhabi | 686 | vs | 1,167 |
| Sharjah | 829 | vs | 289 |
| Al Ain | 219 | vs | 302 |
| Ajman | 244 | vs | 116 |
| Ras Al Khaimah | 95 | vs | 71 |
| Fujairah | 61 | vs | 48 |
| Umm Al Quwain | 15 | vs | 10 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Fidelity United Insurance Plans
Fidelity United Insurance
Fidelity Basic Health
Small businesses in Dubai meeting DHA mandatory requirements
AED 2,300 – 4,200/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
5,583 providers
View details →Fidelity United Insurance
Fidelity Corporate Health
Corporate employees in Dubai
AED 5,000 – 10,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
5,583 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 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. 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.
Fidelity United Insurance 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 Fidelity United Insurance and Hayah Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.