Hayah Insurance vs MSH International
UAE Health Insurance Comparison 2026
Hayah Insurance
private3,604 providers
2 plans
Est. 2008
HAAD regulated
MSH International
private4,738 providers
2 plans
Est. 1974
DHA, HAAD regulated
Hayah Insurance has 2 plans starting from AED 2,400/yr with 3,604 providers across 8 cities. MSH International has 2 plans starting from AED 6,500/yr with 4,738 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 | 3,604 | 4,738 |
| 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 | 1,601 | vs | 2,896 |
| Abu Dhabi | 1,167 | vs | 1,054 |
| Sharjah | 289 | vs | 334 |
| Al Ain | 302 | vs | 182 |
| Ajman | 116 | vs | 108 |
| Ras Al Khaimah | 71 | vs | 91 |
| Fujairah | 48 | vs | 60 |
| Umm Al Quwain | 10 | vs | 13 |
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
3,604 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 →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
4,738 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
4,738 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
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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.