MetLife vs RAK Insurance
UAE Health Insurance Comparison 2026
MetLife
private8,008 providers
2 plans
Est. 1868
DHA, HAAD regulated
RAK Insurance
private3,552 providers
2 plans
Est. 1974
MOHAP regulated
MetLife has 2 plans starting from AED 2,800/yr with 8,008 providers across 8 cities. RAK Insurance has 2 plans starting from AED 2,000/yr with 3,552 providers across 8 cities. Both insurers have their strongest presence in Dubai.
MetLife vs RAK Insurance — At a Glance
| Attribute | MetLife | RAK Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1868 | 1974 |
| Headquarters | Dubai | Ras Al Khaimah |
| Regulators | DHA, HAAD | MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,800 – 13,000 | AED 2,000 – 8,500 |
| Total Network Size | 8,008 | 3,552 |
| 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% |
| Claims Phone | 800-638543 | 07-228-8444 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | MetLife | vs | RAK Insurance |
|---|---|---|---|
| Dubai | 4,616 | vs | 1,375 |
| Abu Dhabi | 1,744 | vs | 618 |
| Sharjah | 806 | vs | 585 |
| Al Ain | 344 | vs | 186 |
| Ras Al Khaimah | 150 | vs | 365 |
| Ajman | 220 | vs | 238 |
| Fujairah | 93 | vs | 146 |
| Umm Al Quwain | 35 | vs | 39 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
MetLife Plans
MetLife
MetLife Essential Health
SMEs meeting mandatory health insurance requirements
AED 2,800 – 5,000/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
8,008 providers
View details →MetLife
MetLife Corporate Plus
Corporate employees with enhanced coverage needs
AED 6,000 – 13,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
8,008 providers
View details →RAK Insurance Plans
RAK Insurance
RAK Basic Health
Employees in Northern Emirates meeting MOHAP requirements
AED 2,000 – 3,500/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
3,552 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
3,552 providers
View details →Verdict
Choose MetLife 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.
MetLife vs RAK Insurance — 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 MetLife and RAK Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.