HAYAH Health Insurance

With a network of over 400+  hospitals and clinics across the country, HAYAH provides full protection for individuals and families. 

Why Choose HAYAH Health Insurance?

Choosing the right health insurer is important when you want quick access to good hospitals, smooth claims, and full coverage. HAYAH offers plans that work well for everyday healthcare needs in the UAE. This way, you get practical options backed by a strong medical network. 

Given below are some reasons why people often prefer HAYAH — 

1. Wide network of 400+ hospitals and clinics
2. Simple access to both clinic-only and full hospital coverage
3. Emergency medical treatment coverage available on most plans
4. Flexible plan options for individuals, families, domestic workers, and more
5. Coverage benefits that include hospitalisation, consultations, tests, and more
6. Clear claim process with support for both cashless and reimbursement claims
7. Plans designed to meet UAE visa and employer requirements
8. Affordable starting premiums depending on the plan you select

Types of HAYAH Health Insurance Plans

HAYAH Basic Health Insurance Plan

The HAYAH basic plan is mainly chosen to meet UAE visa requirements. It covers essential medical services but comes with several limits. You usually need to visit a GP first, access outpatient care only at clinics, and rely on a smaller medical network. It works if you want a low-cost option and only need basic protection.

Example
If you develop a non-emergency issue like a cough, you must see a GP first. Only after referral can you see a specialist. In emergencies, however, you can go straight to the hospital.

HAYAH Semi-Comprehensive Health Insurance Plan

This plan offers more flexibility than a basic plan. It gives you wider hospital access, allows you to see specialists without a referral, and offers better inpatient benefits. It’s suitable if you want more comfort and convenience without paying for a fully comprehensive plan.

Example
If you have recurring back pain, you can directly visit a specialist. For hospital treatment, you don’t need any referral. Emergencies are handled through direct hospital access.

HAYAH Comprehensive Health Insurance Plan

A comprehensive plan gives you the highest level of medical protection. It includes broad coverage for specialist visits, surgeries, maternity, diagnostics, pre-existing conditions, and more. You get full access to top hospitals, often with higher limits, and added benefits.

Example
If you choose a comprehensive plan, you can directly visit the best hospitals or specialists for any treatment. For something major like surgery, you get access to top facilities without any referral.

What is Covered in HAYAH Health Insurance?

Each health insurance plan from HAYAH comes with a set of core benefits that help you manage everyday healthcare costs in the UAE. While the exact coverage depends on the plan you choose, most policies include essential medical services along with optional add-ons for extra protection. 

1. Inpatient treatment at hospitals under the HAYAH network
2. Outpatient consultations, tests, and diagnostics based on plan limits
3. Emergency medical treatment at any nearby hospital
4. Coverage for medicines and approved pharmacy expenses
5. Specialist visits as per plan benefits and referral rules
6. Access to (Coverage Type) networks — clinics only or clinics + hospitals
7. Optional maternity, dental, and optical cover depending on the plan chosen
8. Coverage for pre-existing and chronic conditions after the applicable waiting period

What is Not Covered by HAYAH Health Insurance?

HAYAH has certain exclusions. For claims related to these conditions, you don’t get coverage under any plan — 

1. Cosmetic or aesthetic treatments that are not medically necessary
2. Infertility treatment, assisted reproduction, or IVF procedures
3. Non-prescribed medicines, supplements, and vitamins
4. Treatment for self-inflicted injuries or substance misuse
5. Experimental, unproven, or alternative treatments not recognised by medical authorities
6. Dental or optical services unless included under the selected plan
7. Conditions or treatments falling within the waiting period

Eligibility & Documents Required for HAYAH Health Insurance

To buy HAYAH health insurance plans, you need to meet a few basic eligibility conditions as per UAE regulations. 

Eligibility Criteria

1. You must hold a valid UAE residence visa
2. Minimum and maximum entry age depends on the plan selected — generally between 0 years and 99 years 
3. Plans available for individuals, families, dependents, and employees
4. Some plans may require medical history or previous insurance details

Documents Required

To get your HAYAH health insurance policy issued, you may need to submit the following —

1. Emirates ID (front and back)
2. Passport copy (first and last page)
3. Valid UAE residence visa copy
4. Previous health insurance details (if applicable)
5. Medical reports, if required for specific conditions or age groups

How to Contact HAYAH Support?

If you ever need help with your policy, claims, or network information, you can easily reach out to HAYAH through its support channels. The insurer’s team can guide you with approvals, reimbursement queries, updates on your policy, or any general assistance you may need.

HAYAH Customer Support Details

1. Customer Care Number: (800 42924)
2. Email for Claims & Queries: contact@hayah.com
3. Website: https://hayah.com/
4. Head Office Location: Abu Dhabi

When to Contact Customer Support?

You can contact HAYAH for — 

1. Checking if a hospital or clinic is in your network
2. Claim approval status or reimbursement updates
3. Requesting duplicate policy documents
4. Updating personal details on your policy
5. Getting assistance during an emergency