Hayah Insurance vs MSH International
UAE Health Insurance Comparison 2026
Hayah Insurance
private3,567 providers
2 plans
Est. 2008
HAAD regulated
MSH International
private4,680 providers
2 plans
Est. 1974
DHA, HAAD regulated
Hayah Insurance has 2 plans starting from AED 2,400/yr with 3,567 providers across 8 cities. MSH International has 2 plans starting from AED 6,500/yr with 4,680 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Hayah Insurance vs MSH International — At a Glance
| Attribute | Hayah Insurance | MSH International |
|---|---|---|
| Type | private | private |
| Founded | 2008 | 1974 |
| Headquarters | Abu Dhabi | Dubai |
| Regulators | HAAD | DHA, HAAD |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,400 – 10,000 | AED 6,500 – 30,000 |
| Total Network Size | 3,567 | 4,680 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | No | Yes |
| Co-pay Range | 20% | 0% – 20% |
| Claims Phone | 800-42924 | 04-327-3500 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | Hayah Insurance | vs | MSH International |
|---|---|---|---|
| Dubai | 1,575 | vs | 2,849 |
| Abu Dhabi | 1,165 | vs | 1,052 |
| Sharjah | 289 | vs | 330 |
| Al Ain | 298 | vs | 179 |
| Ajman | 116 | vs | 108 |
| Ras Al Khaimah | 68 | vs | 90 |
| Fujairah | 46 | vs | 60 |
| Umm Al Quwain | 10 | vs | 12 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
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
3,567 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
3,567 providers
View details →MSH International Plans
MSH International
MSH Essential Plus
Expat professionals and families in the UAE
AED 6,500 – 12,000/yr
Annual limit: AED 800,000 · semi-private room · 20% co-pay
4,680 providers
View details →MSH International
MSH Premium International
Executives and families needing worldwide coverage
AED 16,000 – 30,000/yr
Annual limit: AED 1.5M · private room · 0% co-pay
4,680 providers
View details →Verdict
Choose Hayah Insurance if you need lower entry-level premiums. Choose MSH International if you prioritise a larger provider network, more comprehensive coverage options. 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.
Hayah Insurance vs MSH International — FAQ
Which is better, Hayah Insurance or MSH International?
It depends on your needs. Hayah Insurance has 3,567 providers across 8 cities and offers 2 plans starting from AED 2,400/yr. MSH International has 4,680 providers across 8 cities with 2 plans from AED 6,500/yr. Choose Hayah Insurance if you need lower entry-level premiums. Choose MSH International if you prioritise a larger provider network, more comprehensive coverage options.
Is Hayah Insurance cheaper than MSH International?
Yes, Hayah Insurance's entry-level plan starts from AED 2,400/yr, compared to MSH International's cheapest plan at AED 6,500/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, Hayah Insurance or MSH International?
MSH International has a larger Dubai network with 2,849 providers, compared to Hayah Insurance's 1,575 providers. Network sizes are based on the UAE Open Healthcare Directory data.
Does Hayah Insurance or MSH International cover dental?
Both insurers offer dental coverage on their enhanced and premium plans. Hayah Insurance's dental sub-limit goes up to AED 3,000/yr, while MSH International offers up to AED 8,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Hayah Insurance to MSH International?
Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Hayah Insurance to MSH International (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 Hayah Insurance and MSH International have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Hayah Insurance and MSH International plans?
Use the UAE Health Insurance Navigator on this page to compare Hayah Insurance and MSH International side-by-side. Key factors to compare: (1) Annual premium — Hayah Insurance starts from AED 2,400/yr, MSH International from AED 6,500/yr, (2) Network size — 3,567 vs 4,680 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.
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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 Hayah Insurance and MSH International or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.