Fidelity United Insurance vs MetLife
UAE Health Insurance Comparison 2026
Fidelity United Insurance
private5,501 providers
2 plans
Est. 1976
DHA regulated
MetLife
private7,899 providers
2 plans
Est. 1868
DHA, HAAD regulated
Fidelity United Insurance has 2 plans starting from AED 2,300/yr with 5,501 providers across 8 cities. MetLife has 2 plans starting from AED 2,800/yr with 7,899 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Fidelity United Insurance vs MetLife — At a Glance
| Attribute | Fidelity United Insurance | MetLife |
|---|---|---|
| Type | private | private |
| Founded | 1976 | 1868 |
| Headquarters | Dubai | Dubai |
| Regulators | DHA | DHA, HAAD |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,300 – 10,500 | AED 2,800 – 13,000 |
| Total Network Size | 5,501 | 7,899 |
| 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 | 800-638543 |
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 | MetLife |
|---|---|---|---|
| Dubai | 3,374 | vs | 4,534 |
| Abu Dhabi | 685 | vs | 1,742 |
| Sharjah | 823 | vs | 799 |
| Al Ain | 213 | vs | 339 |
| Ajman | 241 | vs | 216 |
| Ras Al Khaimah | 91 | vs | 143 |
| Fujairah | 59 | vs | 92 |
| Umm Al Quwain | 15 | vs | 34 |
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
5,501 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
5,501 providers
View details →MetLife Plans
MetLife
MetLife Essential Health
SMEs meeting mandatory health insurance requirements
AED 2,800 – 5,000/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
7,899 providers
View details →MetLife
MetLife Corporate Plus
Corporate employees with enhanced coverage needs
AED 6,000 – 13,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
7,899 providers
View details →Verdict
Choose Fidelity United Insurance if you need lower entry-level premiums. Choose MetLife if you prioritise a larger provider network. 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 MetLife — FAQ
Which is better, Fidelity United Insurance or MetLife?
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. MetLife has 7,899 providers across 8 cities with 2 plans from AED 2,800/yr. Choose Fidelity United Insurance if you need lower entry-level premiums. Choose MetLife if you prioritise a larger provider network.
Is Fidelity United Insurance cheaper than MetLife?
Yes, Fidelity United Insurance's entry-level plan starts from AED 2,300/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.
Which has a bigger network in Dubai, Fidelity United Insurance or MetLife?
MetLife has a larger Dubai network with 4,534 providers, compared to Fidelity United Insurance's 3,374 providers. Network sizes are based on the UAE Open Healthcare Directory data.
Does Fidelity United Insurance or MetLife cover dental?
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 MetLife offers up to AED 3,500/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Fidelity United Insurance to MetLife?
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 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 Fidelity United Insurance and MetLife have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Fidelity United Insurance and MetLife plans?
Use the UAE Health Insurance Navigator on this page to compare Fidelity United Insurance and MetLife side-by-side. Key factors to compare: (1) Annual premium — Fidelity United Insurance starts from AED 2,300/yr, MetLife from AED 2,800/yr, (2) Network size — 5,501 vs 7,899 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.
Related Comparisons
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 MetLife or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.