Hayah Insurance vs Sukoon (Oman Insurance)
UAE Health Insurance Comparison 2026
Hayah Insurance
private3,504 providers
2 plans
Est. 2008
DOH regulated
Sukoon (Oman Insurance)
private956 providers
3 plans
Est. 1975
DHA, DOH, MOHAP regulated
Hayah Insurance has 2 plans from AED 2,400 a year and 3,504 in-network providers in 8 cities. Sukoon (Oman Insurance) has 3 plans from AED 2,700 a year and 956 in-network providers in 8 cities. Both insurers have the most providers in Dubai. Network counts are providers in the UAE Open Healthcare Directory that list each insurer; premiums are indicative.
Hayah Insurance vs Sukoon (Oman Insurance) — At a Glance
| Attribute | Hayah Insurance | Sukoon (Oman Insurance) |
|---|---|---|
| Type | private | private |
| Founded | 2008 | 1975 |
| Headquarters | Abu Dhabi | Dubai |
| Regulators | DOH | DHA, DOH, MOHAP |
| Number of Plans | 2 | 3 |
| Premium Range | AED 2,400 – 10,000 | AED 2,700 – 30,000 |
| Total Network Size | 3,504 | 956 |
| 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% |
| Phone (from the insurer's website) | 800 HAYAH (800 42924) | 800 SUKOON (785666) |
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 | Sukoon (Oman Insurance) |
|---|---|---|---|
| Dubai | 1,539 | vs | 533 |
| Abu Dhabi | 1,147 | vs | 178 |
| Sharjah | 285 | vs | 117 |
| Al Ain | 293 | vs | 58 |
| Ajman | 116 | vs | 34 |
| Ras Al Khaimah | 68 | vs | 18 |
| Fujairah | 46 | vs | 13 |
| Umm Al Quwain | 10 | vs | 5 |
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
3,504 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
3,504 providers
View details →Sukoon (Oman Insurance) Plans
Sukoon (Oman Insurance)
Oman Insurance Essential
SMEs and individuals meeting mandatory insurance requirements
AED 2,700 – 5,000/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
956 providers
View details →Sukoon (Oman Insurance)
Oman Insurance Corporate Gold
Corporate employees and their families
AED 6,000 – 14,000/yr
Annual limit: AED 750,000 · semi-private room · 20% co-pay
956 providers
View details →Sukoon (Oman Insurance)
Oman Insurance Executive
Senior management and executives
AED 16,000 – 30,000/yr
Annual limit: AED 1.5M · private room · 0% co-pay
956 providers
View details →Verdict
Choose Hayah Insurance if you need a larger provider network, lower entry-level premiums. Choose Sukoon (Oman Insurance) if you prioritise more plan tiers to choose from, 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 Sukoon (Oman Insurance) — FAQ
Which is better, Hayah Insurance or Sukoon (Oman Insurance)?
It depends on your needs. Hayah Insurance has 3,504 providers across 8 cities and offers 2 plans starting from AED 2,400/yr. Sukoon (Oman Insurance) has 956 providers across 8 cities with 3 plans from AED 2,700/yr. Choose Hayah Insurance if you need a larger provider network, lower entry-level premiums. Choose Sukoon (Oman Insurance) if you prioritise more plan tiers to choose from, more comprehensive coverage options.
Is Hayah Insurance cheaper than Sukoon (Oman Insurance)?
Yes, Hayah Insurance's entry-level plan starts from AED 2,400/yr, compared to Sukoon (Oman Insurance)'s cheapest plan at AED 2,700/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 Sukoon (Oman Insurance)?
Hayah Insurance has a larger Dubai network with 1,539 providers, compared to Sukoon (Oman Insurance)'s 533 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does Hayah Insurance or Sukoon (Oman Insurance) 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 Sukoon (Oman Insurance) offers up to AED 8,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Hayah Insurance to Sukoon (Oman Insurance)?
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 Sukoon (Oman Insurance) (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 Sukoon (Oman Insurance) have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Hayah Insurance and Sukoon (Oman Insurance) plans?
Use the UAE Health Insurance Navigator on this page to compare Hayah Insurance and Sukoon (Oman Insurance) side-by-side. Key factors to compare: (1) Annual premium — Hayah Insurance starts from AED 2,400/yr, Sukoon (Oman Insurance) from AED 2,700/yr, (2) Network size — 3,504 vs 956 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 Sukoon (Oman Insurance) or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory.