Hayah Insurance vs William Russell
UAE Health Insurance Comparison 2026
Hayah Insurance
private3,604 providers
2 plans
Est. 2008
HAAD regulated
William Russell
private3,329 providers
2 plans
Est. 1992
DHA, HAAD regulated
Hayah Insurance has 2 plans starting from AED 2,400/yr with 3,604 providers across 8 cities. William Russell has 2 plans starting from AED 8,000/yr with 3,329 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Hayah Insurance vs William Russell — At a Glance
| Attribute | Hayah Insurance | William Russell |
|---|---|---|
| Type | private | private |
| Founded | 2008 | 1992 |
| Headquarters | Abu Dhabi | Dubai |
| Regulators | HAAD | DHA, HAAD |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,400 – 10,000 | AED 8,000 – 34,000 |
| Total Network Size | 3,604 | 3,329 |
| 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% – 10% |
| Claims Phone | 800-42924 | 04-297-6700 |
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 | William Russell |
|---|---|---|---|
| Dubai | 1,601 | vs | 2,189 |
| Abu Dhabi | 1,167 | vs | 627 |
| Sharjah | 289 | vs | 213 |
| Al Ain | 302 | vs | 124 |
| Ajman | 116 | vs | 69 |
| Ras Al Khaimah | 71 | vs | 65 |
| Fujairah | 48 | vs | 34 |
| Umm Al Quwain | 10 | vs | 8 |
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 →William Russell Plans
William Russell
William Russell Gold Health
British and Commonwealth expat professionals and families
AED 8,000 – 15,000/yr
Annual limit: AED 1.0M · semi-private room · 10% co-pay
3,329 providers
View details →William Russell
William Russell Platinum Health
Senior expat executives and HNW families
AED 18,000 – 34,000/yr
Annual limit: AED 2.0M · private room · 0% co-pay
3,329 providers
View details →Verdict
Choose Hayah Insurance if you need a larger provider network, lower entry-level premiums. Choose William Russell if you prioritise 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 William Russell — FAQ
Related Comparisons
Disclaimer: Plan details, premiums, and network sizes are indicative, based on publicly available UAE insurance market data. Obtain personalised quotes from Hayah Insurance and William Russell or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.