Hayah Health Insurance in UAE
Flexible installments to pay later with
And
Regulated by the Government of Dubai
Health insurance in the UAE has changed significantly over the past few years, and digital-first insurers are now playing a much bigger role. Hayah health insurance is one of the newer providers in the market, built around simplicity, transparency, and online access. Based in the UAE, Hayah offers health insurance solutions that are designed to be easy to understand, easy to buy, and easy to manage through a fully digital platform.
Hayah health insurance UAE focuses on giving customers more control over what they pay for and what they receive. Through Lookinsure, you can compare Hayah health insurance plans, review benefits clearly, and buy online without unnecessary back-and-forth.
Why Choose Hayah Health Insurance Plans in UAE
Hayah health insurance stands out in the UAE market for a few clear reasons, especially for residents who prefer clarity and digital convenience.
Fully Digital Experience
Hayah is a completely digital insurer with a well-structured website that allows customers to review plans, understand coverage, and manage policies online. From purchasing to claims tracking, the entire experience is designed to reduce paperwork and avoid long processing times.
This digital-first approach is particularly appealing to residents who already manage other essentials online, such as car insurance in the UAE, utilities, and residency services.
Flexible MyHEALTH Plan
One of Hayah’s most distinctive offerings is the MyHEALTH Plan. It is built as a modular health insurance plan that allows you to choose exactly the coverage you need—nothing more, nothing less. Instead of paying for bundled benefits you may never use, MyHEALTH lets you customize your policy based on personal or family healthcare needs.
This makes it one of the more flexible options for residents who want control over both coverage and cost.
Clear and Transparent Policy Details
Transparency is another strong point. Hayah makes policy wordings, benefits, and exclusions available directly on its website. This allows customers to compare options properly before buying, without relying on vague summaries or hidden clauses.
Types of Hayah Health Insurance Plans in UAE
Hayah offers two main health insurance plan categories, each designed for different coverage needs and budgets.
Health Protect Plan
The Health Protect Plan is designed to meet UAE regulatory requirements while offering essential medical coverage for residents and expats.
Key benefits:
- DHA-compliant medical coverage
- Inpatient and outpatient services
- Access to approved medical networks
- Emergency treatment within the UAE
Eligibility:
- UAE residents and expatriates
- Individuals seeking basic to mid-level coverage
Below is a simplified overview of available tiers under the Health Protect Plan:
| Feature | Tier 1 (Regional) | Tier 2 (Regional) | Tier 3 (Worldwide) | Tier 4 (Worldwide) | Tier 5 (Worldwide) |
|---|---|---|---|---|---|
| Annual Medical Limit | AED 1,000,000 | AED 1,000,000 | AED 1,000,000 | AED 2,000,000 | AED 2,000,000 |
| Network | MedNet Green | MedNet Silver-Classic | MedNet Silver-Premium | MedNet Silver-Premium | MedNet Gold |
| Medicines | AED 10,000 | AED 15,000 | AED 20,000 | AED 20,000 | AED 25,000 |
| Dental | AED 1,000 | AED 1,000 | AED 2,000 | AED 2,000 | AED 3,000 |
| Maternity (Normal) | AED 10,000 | AED 10,000 | AED 10,000 | AED 10,000 | AED 15,000 |
| Newborn Congenital | Not covered | Not covered | AED 10,000 (lifetime, UAE only) | AED 10,000 (lifetime, UAE only) | AED 12,500 (lifetime, UAE only) |
| Circumcision | Not covered | Not covered | AED 5,000 / year | AED 5,000 / year | AED 7,500 / year |
| Nursing at Home | Not covered | Not covered | AED 3,000 / year | AED 3,000 / year | AED 3,000 / year |
| Alternative Medicine | Not covered | Not covered | AED 1,500 | AED 1,500 | AED 2,000 |
| Psychiatric Cap | AED 1,000 | AED 1,000 | AED 1,500 | AED 1,500 | AED 2,000 |
Each tier builds upon the previous one, allowing customers to upgrade coverage based on medical needs and budget. When choosing between modular options like Hayah’s MyHEALTH or more traditional tiers, it can also help to see how health insurance disease coverage UAE varies between plans and what typical inclusions or exclusions look like across providers.
MyHEALTH Plan
The MyHEALTH Plan is Hayah’s most flexible offering and is ideal for those who want a personalized approach to medical insurance.
Key benefits:
- Modular coverage selection
- Ability to add or remove benefits
- Transparent pricing for each module
- Suitable for individuals and families
Instead of fixed bundles, customers select from coverage modules such as inpatient care, outpatient services, maternity, or specialist consultations.
Module Type | Purpose |
Core Medical | Hospitalization and essential treatment |
Outpatient Add-on | Doctor visits and diagnostics |
Maternity Add-on | Pregnancy and delivery care |
Specialist Access | Broader specialist consultations |
This structure makes MyHEALTH one of the more customizable options available when comparing health insurance for expats in UAE.
What is NOT Covered in Hayah Health Insurance Plans
Like all medical insurance providers in the UAE, Hayah health insurance plans include exclusions. While exclusions vary slightly between Health Protect and MyHEALTH plans, common non-covered items include:
- Cosmetic or aesthetic procedures
- Non-medical treatments and wellness therapies
- Experimental or unapproved treatments
- Services not medically necessary
- Injuries related to illegal activities
- unauthorized treatments outside approved networks (unless specified)
Policyholders are encouraged to review exclusions carefully before purchase, especially when comparing the best health insurance in Dubai for long-term use.
Claim Process of Hayah Health Insurance in UAE
Hayah follows a structured and mostly digital claims process, aligned with its online-first model.
How claims generally work:
- Cashless treatment at network providers using your medical card
- Reimbursement claims for eligible out-of-network treatment
- Online submission of required documents
- Claim review and settlement based on policy terms
The process is designed to minimize paperwork and allow policyholders to track claim status digitally.
Claims Support & Contact Information
- Digital Claims Portal
Hayah allows policyholders to submit claims directly through their website or mobile app. You can upload medical reports, invoices, and prescriptions securely, track the progress of your claim in real-time, and receive updates by email or SMS. This removes the need for physical paperwork and long waiting times. - Cashless Treatment at Network Providers
If you visit a Hayah-approved network hospital or clinic, you can receive treatment without paying upfront, subject to plan coverage and copay requirements. The network includes hospitals, clinics, diagnostic centers, and pharmacies that have agreements with Hayah. - Reimbursement Claims
For treatment outside the network (if allowed under your plan), you can submit a reimbursement claim. Required documents typically include:
- Original invoices and receipts
- Doctor’s reports or medical notes
- Prescription slips (if applicable)
- Completed claim form
Hayah usually processes reimbursement claims within a set period, depending on the plan and documentation submitted.
- Customer Support Channels
Hayah provides multiple ways to get assistance with claims or general inquiries:
- Phone support: Available during business hours to guide you through the claims process.
- Email support: For submission of additional documents or detailed queries.
- WhatsApp support: Quick responses for general questions or claim updates.
- Policyholder Assistance
For any policy-related questions, coverage clarifications, or help with network provider selection, Hayah’s support team is accessible digitally. Policyholders are encouraged to keep their medical card and policy number handy to speed up support requests.
Tip: If you purchase your Hayah health insurance through Lookinsure, the Lookinsure support team can also guide you on how to cancel health insurance, compare benefits, or connect you directly with Hayah’s claims department, ensuring a smooth and reliable process.
How to Buy Hayah Health Insurance Online in UAE
Buying Hayah health insurance online through Lookinsure is simple and efficient.
Steps to purchase:
- Visit Lookinsure and select Hayah health insurance
- Compare top plans and coverage options
- Choose Health Protect or MyHEALTH
- Submit details and required documents
- Complete secure online payment
- Receive policy documents digitally
This process allows residents to buy, compare, and manage insurance online without delays.
Required Documents for Purchase
For UAE residents and expats:
- Passport copy
- Residence visa
- Emirates ID or application receipt
For UAE nationals:
- Emirates ID
- Family book (if applicable)
Conclusion
Hayah health insurance offers a modern and flexible approach to medical coverage in the UAE. With a fully digital platform, transparent policy details, and customizable plans like MyHEALTH, Hayah appeals to residents who value control and clarity.
By using Lookinsure, customers can compare Hayah health insurance Plans, buy online, and choose coverage that fits both medical needs and budget. Whether you are an individual, a family, or a professional expat, Hayah medical insurance provides practical options in an increasingly digital insurance landscape.
Frequently Asked Questions
