Hayah Insurance vs Takaful Emarat
UAE Health Insurance Comparison 2026
Hayah Insurance
private3,604 providers
2 plans
Est. 2008
HAAD regulated
Takaful Emarat
private8,040 providers
2 plans
Est. 2008
DHA, HAAD, MOHAP regulated
Hayah Insurance has 2 plans starting from AED 2,400/yr with 3,604 providers across 8 cities. Takaful Emarat has 2 plans starting from AED 2,500/yr with 8,040 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Hayah Insurance vs Takaful Emarat — At a Glance
| Attribute | Hayah Insurance | Takaful Emarat |
|---|---|---|
| Type | private | private |
| Founded | 2008 | 2008 |
| Headquarters | Abu Dhabi | Dubai |
| Regulators | HAAD | DHA, HAAD, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,400 – 10,000 | AED 2,500 – 12,000 |
| Total Network Size | 3,604 | 8,040 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 800-42924 | 800-825235 |
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 | Takaful Emarat |
|---|---|---|---|
| Dubai | 1,601 | vs | 4,174 |
| Abu Dhabi | 1,167 | vs | 1,628 |
| Sharjah | 289 | vs | 1,238 |
| Al Ain | 302 | vs | 332 |
| Ajman | 116 | vs | 411 |
| Ras Al Khaimah | 71 | vs | 160 |
| Fujairah | 48 | vs | 74 |
| Umm Al Quwain | 10 | vs | 23 |
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 →Takaful Emarat Plans
Takaful Emarat
Takaful Emarat Basic Takaful
Employers seeking Sharia-compliant mandatory health coverage
AED 2,500 – 4,800/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
8,040 providers
View details →Takaful Emarat
Takaful Emarat Enhanced Takaful
Corporate employees and families wanting Sharia-compliant enhanced cover
AED 5,500 – 12,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
8,040 providers
View details →Verdict
Choose Hayah Insurance if you need lower entry-level premiums. Choose Takaful Emarat 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 Takaful Emarat — 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 Takaful Emarat or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.