UAE insurer profile
Hayah Insurance
Est. 2008 · Abu Dhabi · DOH regulated
3,504 healthcare providers in 8 UAE cities list Hayah Insurance as an accepted insurer in the UAE Open Healthcare Directory. The plan tiers and premiums below are indicative figures compiled by Zavis, not Hayah Insurance's published plan list or prices: confirm cover and price with Hayah Insurance or an authorised broker. The network counts come from insurer lists on Zavis listings that are not yet confirmed against Hayah Insurance's network list; confirm with Hayah Insurance before a visit. How Zavis sources data.
At a glance
Key facts.
- Formerly AXA Green Crescent Insurance Company, rebranded to Hayah in 2022
- Digital-first claims and member experience
- Focus on individual and family health plans
- Growing network across Abu Dhabi and Al Ain
Coverage matrix
Coverage at a glance.
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| Hayah Basic Health | Basic | AED 2,400 – 4,300/yr | AED 200,000 | 20% | — | — |
| Hayah Family Care | Enhanced | AED 5,000 – 10,000/yr | AED 500,000 | 20% | ✓ | ✓ |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Plan catalogue
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 →Who accepts this
Provider network.
Providers by City
Top Specialties in Network
The claims flow
How claims work with Hayah Insurance.
Direct billing. Present your Hayah Insurance insurance card at any in-network provider. The clinic or hospital bills Hayah Insurance directly — you pay only your applicable co-pay (20%–20% outpatient) at the point of care. No paperwork required.
Reimbursement claims. For out-of-network or emergency treatment, collect itemised invoices and medical reports, then submit via hayah.com or call 800-42924. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact Hayah Insurance at least 48 hours in advance.
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Top clinics accepting Hayah Insurance.
Curated rankings by city and specialty — all providers accepting Hayah Insurance insurance, ranked by patient ratings.
Compare Hayah Insurance with other insurers
Side-by-side plan comparison across all 38 UAE insurers
Questions
About Hayah Insurance.
Hayah Insurance Insurance — FAQ
What health insurance plans does Hayah Insurance offer in the UAE?
This page summarises 2 indicative Hayah Insurance plan tiers compiled by Zavis (Hayah Basic Health, Hayah Family Care), with indicative annual premiums from AED 2,400 – 4,300/yr to AED 5,000 – 10,000/yr. They are not Hayah Insurance's published plan list or prices, so ask Hayah Insurance or an authorised broker for its current plans and a quote.
How many healthcare providers accept Hayah Insurance insurance?
3,504 healthcare providers in 8 UAE cities list Hayah Insurance as an accepted insurer in the UAE Open Healthcare Directory. Network counts come from the insurance lists on each listing, so confirm with the provider that your plan tier is accepted before you book.
Does Hayah Insurance cover dental and maternity?
Dental and maternity coverage depends on the plan tier. Yes, Hayah Insurance's enhanced and premium plans include dental coverage. Maternity is covered with waiting periods ranging from 10 to 12 months.
Is Hayah Insurance compliant with Dubai and Abu Dhabi health insurance rules?
Hayah Insurance is regulated by DOH. Oversight in Abu Dhabi means its plans there must meet the emirate's mandatory Thiqa and basic scheme requirements.
How do I file a claim with Hayah Insurance?
To file a claim with Hayah Insurance, call their claims line at 800-42924. For direct billing, simply present your Hayah Insurance insurance card at any in-network provider — the clinic or hospital settles directly with the insurer. For reimbursement claims (out-of-network or emergency), submit itemised invoices, a completed claim form, and your doctor's report within 90 days of treatment via hayah.com or by post to their Abu Dhabi office.
What is the cheapest Hayah Insurance plan?
The most affordable Hayah Insurance plan is the Hayah Basic Health (Basic tier), starting from AED 2,400 – 4,300/yr annually. It covers inpatient, outpatient, maternity with a 20% outpatient co-pay and an annual limit of AED 200,000.
Does Hayah Insurance have a mobile app for claims?
Hayah Insurance offers digital claims submission through their member portal at hayah.com. Most major UAE insurers, including Hayah Insurance, provide a mobile app or online portal where members can submit reimbursement claims, view policy documents, check coverage limits, find in-network providers, and download tax invoices. Download the Hayah Insurance app from the App Store or Google Play, or log in via their website to access self-service claim tools.
Disclaimer. Plan details and premiums are indicative. Obtain a personalised quote from Hayah Insurance or an authorised broker. Provider network counts come from the insurance lists on UAE Open Healthcare Directory listings.