Hayah Insurance vs Thiqa
UAE Health Insurance Comparison 2026
Hayah Insurance
private3,604 providers
2 plans
Est. 2008
HAAD regulated
Thiqa
premium8,241 providers
1 plan
Est. 2005
HAAD regulated
Hayah Insurance has 2 plans starting from AED 2,400/yr with 3,604 providers across 8 cities. Thiqa has 1 plan starting from AED 0/yr with 8,241 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Hayah Insurance vs Thiqa — At a Glance
| Attribute | Hayah Insurance | Thiqa |
|---|---|---|
| Type | private | premium |
| Founded | 2008 | 2005 |
| Headquarters | Abu Dhabi | Abu Dhabi |
| Regulators | HAAD | HAAD |
| Number of Plans | 2 | 1 |
| Premium Range | AED 2,400 – 10,000 | AED 0 – 0 |
| Total Network Size | 3,604 | 8,241 |
| 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% |
| Claims Phone | 800-42924 | 800-42626 |
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 | Thiqa |
|---|---|---|---|
| Dubai | 1,601 | vs | 3,226 |
| Abu Dhabi | 1,167 | vs | 2,483 |
| Sharjah | 289 | vs | 928 |
| Al Ain | 302 | vs | 821 |
| Ajman | 116 | vs | 324 |
| Ras Al Khaimah | 71 | vs | 241 |
| Fujairah | 48 | vs | 171 |
| Umm Al Quwain | 10 | vs | 47 |
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 →Thiqa Plans
Thiqa
Thiqa
UAE nationals and their dependants in Abu Dhabi
Government-funded
Annual limit: Unlimited · private room · 0% co-pay
8,241 providers
View details →Verdict
Choose Hayah Insurance if you need more plan tiers to choose from, more comprehensive coverage options. Choose Thiqa if you prioritise a larger provider network. 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 Thiqa — 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 Thiqa or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.