Question 1

Which is better, Hayah Insurance or Now Health International?

Accepted Answer

It depends on your needs. Hayah Insurance has 3,604 providers across 8 cities and offers 2 plans starting from AED 2,400/yr. Now Health International has 3,470 providers across 8 cities with 2 plans from AED 5,500/yr. Choose Hayah Insurance if you need a larger provider network, lower entry-level premiums. Choose Now Health International if you prioritise more comprehensive coverage options.

Question 2

Is Hayah Insurance cheaper than Now Health International?

Accepted Answer

Yes, Hayah Insurance's entry-level plan starts from AED 2,400/yr, compared to Now Health International's cheapest plan at AED 5,500/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.

Question 3

Which has a bigger network in Dubai, Hayah Insurance or Now Health International?

Accepted Answer

Now Health International has a larger Dubai network with 2,495 providers, compared to Hayah Insurance's 1,601 providers. Network sizes are based on the UAE Open Healthcare Directory data.

Question 4

Does Hayah Insurance or Now Health International cover dental?

Accepted Answer

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 Now Health International offers up to AED 7,500/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Hayah Insurance to Now Health International?

Accepted Answer

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 Now Health 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 Now Health International have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Hayah Insurance and Now Health International plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Hayah Insurance and Now Health International side-by-side. Key factors to compare: (1) Annual premium — Hayah Insurance starts from AED 2,400/yr, Now Health International from AED 5,500/yr, (2) Network size — 3,604 vs 3,470 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.

Attribute	Hayah Insurance	Now Health International
Type	private	private
Founded	2008	2011
Headquarters	Abu Dhabi	Dubai
Regulators	HAAD	DHA, HAAD
Number of Plans	2	2
Premium Range	AED 2,400 – 10,000	AED 5,500 – 28,000
Total Network Size	3,604	3,470
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	800-669

City	Hayah Insurance	vs	Now Health International
Dubai	1,601	vs	2,495
Abu Dhabi	1,167	vs	394
Sharjah	289	vs	262
Al Ain	302	vs	125
Ajman	116	vs	95
Ras Al Khaimah	71	vs	51
Fujairah	48	vs	39
Umm Al Quwain	10	vs	9

Hayah Insurance vs Now Health International

Hayah Insurance

Now Health International

Hayah Insurance vs Now Health International — At a Glance

Network Comparison by City

Hayah Insurance Plans

Hayah Basic Health

Hayah Family Care

Now Health International Plans

Now Health WorldCare Essential

Now Health WorldCare Prestige

Verdict

Hayah Insurance vs Now Health International — FAQ

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