Hayah Insurance vs William Russell
UAE Health Insurance Comparison 2026
Hayah Insurance
private3,504 providers
2 plans
Est. 2008
DOH regulated
William Russell
private3,215 providers
2 plans
Est. 1992
DHA, DOH regulated
Hayah Insurance has 2 plans from AED 2,400 a year and 3,504 in-network providers in 8 cities. William Russell has 2 plans from AED 8,000 a year and 3,215 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 William Russell — At a Glance
| Attribute | Hayah Insurance | William Russell |
|---|---|---|
| Type | private | private |
| Founded | 2008 | 1992 |
| Headquarters | Abu Dhabi | Dubai |
| Regulators | DOH | DHA, DOH |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,400 – 10,000 | AED 8,000 – 34,000 |
| Total Network Size | 3,504 | 3,215 |
| 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 | 1,539 | vs | 2,102 |
| Abu Dhabi | 1,147 | vs | 610 |
| Sharjah | 285 | vs | 208 |
| Al Ain | 293 | vs | 122 |
| Ajman | 116 | vs | 67 |
| Ras Al Khaimah | 68 | vs | 64 |
| Fujairah | 46 | 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
3,504 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 →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
3,215 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
3,215 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
Which is better, Hayah Insurance or William Russell?
It depends on your needs. Hayah Insurance has 3,504 providers across 8 cities and offers 2 plans starting from AED 2,400/yr. William Russell has 3,215 providers across 8 cities with 2 plans from AED 8,000/yr. Choose Hayah Insurance if you need a larger provider network, lower entry-level premiums. Choose William Russell if you prioritise more comprehensive coverage options.
Is Hayah Insurance cheaper than William Russell?
Yes, Hayah Insurance's entry-level plan starts from AED 2,400/yr, compared to William Russell's cheapest plan at AED 8,000/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 William Russell?
William Russell has a larger Dubai network with 2,102 providers, compared to Hayah Insurance's 1,539 providers. Network sizes are based on the UAE Open Healthcare Directory data.
Does Hayah Insurance or William Russell 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 William Russell offers up to AED 10,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Hayah Insurance to William Russell?
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 William Russell (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 William Russell have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Hayah Insurance and William Russell plans?
Use the UAE Health Insurance Navigator on this page to compare Hayah Insurance and William Russell side-by-side. Key factors to compare: (1) Annual premium — Hayah Insurance starts from AED 2,400/yr, William Russell from AED 8,000/yr, (2) Network size — 3,504 vs 3,215 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 William Russell or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory.