Hayah Insurance vs RAK Insurance
UAE Health Insurance Comparison 2026
Hayah Insurance
private3,504 providers
2 plans
Est. 2008
DOH regulated
RAK Insurance
private1,615 providers
2 plans
Est. 1974
MOHAP regulated
Hayah Insurance has 2 plans from AED 2,400 a year and 3,504 in-network providers in 8 cities. RAK Insurance has 2 plans from AED 2,000 a year and 1,615 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 RAK Insurance — At a Glance
| Attribute | Hayah Insurance | RAK Insurance |
|---|---|---|
| Type | private | private |
| Founded | 2008 | 1974 |
| Headquarters | Abu Dhabi | Ras Al Khaimah |
| Regulators | DOH | MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,400 – 10,000 | AED 2,000 – 8,500 |
| Total Network Size | 3,504 | 1,615 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | No |
| Maternity | Yes | Yes |
| Mental Health | Yes | No |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Phone (from the insurer's website) | 800 HAYAH (800 42924) | See rakinsurance.com |
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 | RAK Insurance |
|---|---|---|---|
| Dubai | 1,539 | vs | 945 |
| Abu Dhabi | 1,147 | vs | 343 |
| Sharjah | 285 | vs | 205 |
| Al Ain | 293 | vs | 1 |
| Ajman | 116 | vs | 61 |
| Ras Al Khaimah | 68 | vs | 33 |
| Fujairah | 46 | vs | 17 |
| Umm Al Quwain | 10 | vs | 10 |
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 →RAK Insurance Plans
RAK Insurance
RAK Basic Health
Employees in the Northern Emirates who need the mandatory cover
AED 2,000 – 3,500/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
1,615 providers
View details →RAK Insurance
RAK Enhanced Health
Corporate employees and families in Northern Emirates
AED 4,000 – 8,500/yr
Annual limit: AED 350,000 · semi-private room · 20% co-pay
1,615 providers
View details →Verdict
Choose Hayah Insurance if you need a larger provider network, more comprehensive coverage options. Choose RAK Insurance if you prioritise lower entry-level premiums. 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 RAK Insurance — FAQ
Which is better, Hayah Insurance or RAK 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. RAK Insurance has 1,615 providers across 8 cities with 2 plans from AED 2,000/yr. Choose Hayah Insurance if you need a larger provider network, more comprehensive coverage options. Choose RAK Insurance if you prioritise lower entry-level premiums.
Is Hayah Insurance cheaper than RAK Insurance?
No, RAK Insurance's entry-level plan starts from AED 2,000/yr, while Hayah Insurance's cheapest plan begins at AED 2,400/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.
Which has a bigger network in Dubai, Hayah Insurance or RAK Insurance?
Hayah Insurance has a larger Dubai network with 1,539 providers, compared to RAK Insurance's 945 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does Hayah Insurance or RAK 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 RAK Insurance offers up to AED 2,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Hayah Insurance to RAK 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 RAK 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 RAK Insurance have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Hayah Insurance and RAK Insurance plans?
Use the UAE Health Insurance Navigator on this page to compare Hayah Insurance and RAK Insurance side-by-side. Key factors to compare: (1) Annual premium — Hayah Insurance starts from AED 2,400/yr, RAK Insurance from AED 2,000/yr, (2) Network size — 3,504 vs 1,615 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 RAK Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory.