Question 1

Which is better, MetLife or Union Insurance?

Accepted Answer

It depends on your needs. MetLife has 8,008 providers across 8 cities and offers 2 plans starting from AED 2,800/yr. Union Insurance has 6,349 providers across 8 cities with 2 plans from AED 2,300/yr. Choose MetLife if you need a larger provider network. Choose Union Insurance if you prioritise lower entry-level premiums.

Question 2

Is MetLife cheaper than Union Insurance?

Accepted Answer

No, Union Insurance's entry-level plan starts from AED 2,300/yr, while MetLife's cheapest plan begins at AED 2,800/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.

Question 3

Which has a bigger network in Dubai, MetLife or Union Insurance?

Accepted Answer

MetLife has a larger Dubai network with 4,616 providers, compared to Union Insurance's 3,229 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does MetLife or Union Insurance cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. MetLife's dental sub-limit goes up to AED 3,500/yr, while Union Insurance offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from MetLife to Union Insurance?

Accepted Answer

Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from MetLife to Union Insurance (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 MetLife and Union Insurance have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare MetLife and Union Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare MetLife and Union Insurance side-by-side. Key factors to compare: (1) Annual premium — MetLife starts from AED 2,800/yr, Union Insurance from AED 2,300/yr, (2) Network size — 8,008 vs 6,349 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.

Attribute	MetLife	Union Insurance
Type	private	private
Founded	1868	1998
Headquarters	Dubai	Dubai
Regulators	DHA, HAAD	HAAD, DHA
Number of Plans	2	2
Premium Range	AED 2,800 – 13,000	AED 2,300 – 10,500
Total Network Size	8,008	6,349
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	800-638543	02-677-5050

City	MetLife	vs	Union Insurance
Dubai	4,616	vs	3,229
Abu Dhabi	1,744	vs	1,646
Sharjah	806	vs	838
Al Ain	344	vs	237
Ajman	220	vs	162
Ras Al Khaimah	150	vs	133
Fujairah	93	vs	77
Umm Al Quwain	35	vs	27

MetLife vs Union Insurance

MetLife

Union Insurance

MetLife vs Union Insurance — At a Glance

Network Comparison by City

MetLife Plans

MetLife Essential Health

MetLife Corporate Plus

Union Insurance Plans

Union Basic Health

Union Enhanced Health

Verdict

MetLife vs Union Insurance — FAQ

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