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MetLife Insurance vs Hayah Insurance
Choosing the right life insurance in the UAE isn’t about brand names alone. It’s about coverage limits, claim reliability, flexibility, and long-term suitability for expats and residents. This detailed MetLife insurance vs HAYAH insurance UAE comparison breaks down both providers clearly. Read on to ...read more
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Qualified Policybazaar expert will assist you Overview: MetLife vs HAYAH UAE Comparison
| Aspect | HAYAH Life Insurance UAE | MetLife Life Insurance UAE |
|---|---|---|
| Background | Formerly AXA, UAE-based insurer | Global insurer with 65+ years in the Gulf |
| Plan Type | Term & pure protection | Term, protection, investment-linked |
| Regulatory Body | Central Bank of UAE, ADX-listed | Regulated in UAE, global presence |
| Core Focus | Affordable, digital-first protection | Flexible plans + health & investment add-ons |
| Coverage Limit | Up to USD 50 million | Up to USD 50 million (resident plans) |
| Currency Options | AED & USD | USD, EUR, GBP |
| Shariah Compliance | Available on selected plans | Not Shariah-compliant |
| Digital Experience | Fully digital, app based | Digital + global support |
| Ideal For | Budget-conscious UAE residents | Long-term planners & global citizens |
Quick insight
- If you want simple, affordable, and locally designed protection, HAYAH fits well
- If you want global features, add-ons, and life insurance plan customisation, MetLife stands out
Buy Best Life Insurance Plan in UAE
Some of the best Term Insurance quotes in UAE & Dubai are:
Types of MetLife Insurance vs HAYAH Insurance Plans
HAYAH Life Insurance Plans UAE
HAYAH focuses on pure protection plans, keeping costs transparent and processes simple.
Key plans include —
- Term Life Protect: Comprehensive term cover for death, terminal illness, and disability
- Loan Protect: Covers home, car, or personal loans in case of death, disability, or critical illness
- Simple Life Insurance: Entry-level cover starting from around AED 7/month
These plans are designed for working professionals, families, and first-time buyers in the UAE.
MetLife Life Insurance Plans UAE
MetLife offers a broader plan variety, including protection, health benefits, and investment-linked options.
Key plans include —
- Live Life Plan: Core term insurance with multiple add-ons
- Secure Plus: Life cover, plus hospitalisation income and wellness benefits
- Future Protect: Hybrid plan combining life cover with long-term investments
This makes MetLife suitable for expats with evolving financial goals.
HAYAH vs MetLife Term Insurance Benefits (Or What You’re Really Paying For)
Here are some pointers to help you compare MetLife and HAYAH insurance plans —
|
Feature |
HAYAH Term Life |
MetLife Live Life |
|---|---|---|
|
Death Benefit |
✔ |
✔ |
|
Terminal Illness |
✔ |
✔ (accelerated payout) |
|
Disability Cover |
✔ |
✔ (add-on) |
|
Critical Illness |
Optional |
Optional (wider list) |
|
Worldwide Coverage |
Limited |
✔ |
|
Free Temporary Cover |
✔ |
❌ |
|
Riders & Add-ons |
Limited |
Extensive |
Key difference: HAYAH includes free temporary cover from the application date, while MetLife focuses more on customisable riders and global portability.
MetLife vs HAYAH Cost and Coverage UAE
For users comparing MetLife protection plans vs HAYAH life plans UAE, MetLife offers more for long-term financial planning. HAYAH, meanwhile, remains protection-first.
|
Factor |
HAYAH |
MetLife |
|---|---|---|
|
Lowest Monthly Premium |
~AED 7 |
~AED 60 |
|
Premium Type |
Fixed |
Fixed (base), higher with add-ons |
|
Coverage Flexibility |
Moderate |
High |
|
Investment Option |
✖ |
✔ |
|
Medical Test Waiver |
Available (Simple Life) |
Limited |
|
Digital Policy Issuance |
✔ |
✔ |
Cost Insight
- If low premiums and affordability matter most → HAYAH
- If benefits, add-ons, and global features matter more → MetLife
Digital Experience & Policy Management
HAYAH
- 100% digital onboarding
- Online purchase, renewal, and claims
- Minimal paperwork
- Clean, simple mobile app
MetLife
- Seamless myMetLife app
- Online policy tracking & claims
- Wellness tools & discount cards
- More features, slightly more complexity
Both perform well digitally. However, HAYAH feels simpler, while MetLife appears more feature-rich.
MetLife vs HAYAH UAE Comparison in Terms of the Claim Process
|
Aspect |
HAYAH |
MetLife |
|---|---|---|
|
Claim Initiation |
Online via website/app |
myMetLife or customer support |
|
Documentation |
Minimal |
Slightly more (as per global standards) |
|
Support |
Dedicated UAE claims team |
Phone & email support |
|
Payout Mode |
Direct bank transfer |
Bank transfer or cheque |
Verdict: Both are reliable, but HAYAH’s process is simpler for UAE residents, while MetLife suits international policyholders.
Eligibility Comparison: MetLife Insurance vs HAYAH Insurance
|
Criteria |
HAYAH |
MetLife |
|---|---|---|
|
Minimum Age |
18 years |
21 years |
|
Maximum Age |
Up to 79 years |
Up to 85 years (plan-specific) |
|
Residency |
UAE residents only |
GCC residents + select non-residents |
MetLife clearly offers broader eligibility, especially for expats who may relocate.
Which is the Best Life Insurance in UAE: MetLife or HAYAH?
The choice depends on what you expect from your life insurance plan.
If your priority is cost-effective, straightforward protection, HAYAH Life Insurance UAE is usually the better fit. MetLife Life Insurance UAE, on the other hand, works better if you’re looking beyond basic term cover. While it generally costs more than HAYAH, the additional features and global portability can justify the higher premium for many policyholders.
How to Compare MetLife and HAYAH Life Insurance Plans on Policybazaar.ae?
If you’re confused between MetLife insurance vs HAYAH insurance, Policybazaar.ae makes comparison quick and simple.
- Just visit Policybazaar.ae and select ‘Life Insurance’. Next, enter basic details like your age, coverage amount, and policy term.
- You’ll instantly see many providers. From there, you can select
MetLife and HAYAH life insurance plans for comparison. - Click on the ‘Add to Compare’ button to compare premiums, coverage limits, key benefits, and add-ons in one place side by side.
- You can filter plans based on your budget and protection needs. You can also review plan features clearly and choose the option that best suits your goals.
- Once decided, you can apply online directly through Policybazaar.ae without visiting multiple insurer websites.
This makes Policybazaar.ae an easy and reliable way to compare MetLife vs HAYAH UAE life insurance before making a decision.
Disclaimer: The comparison on the page is for reference purposes only and is not insurance or investment advice. Coverage, premiums, and benefits may vary based on age, health, and insurer underwriting. Always review policy documents carefully before purchasing.
FAQs: MetLife vs HAYAH Life Insurance UAE
Which is better, MetLife or HAYAH life insurance in UAE?
HAYAH is better for affordable, UAE-focused protection. MetLife is better for flexible, global, and long-term planning needs. In the end, the choice depends on your goals, preferences, and budget.
Is MetLife more expensive than HAYAH in UAE?
Yes, MetLife premiums are generally higher due to add-ons, riders, and global benefits. HAYAH offers lower-cost plans starting from around AED 7/month.
Does HAYAH offer investment-linked life insurance?
No. HAYAH focuses on pure protection plans. MetLife offers investment-linked options like Future Protect.
Can expats buy MetLife or HAYAH life insurance?
HAYAH is mostly for UAE residents only. MetLife is available to GCC residents and non-residents, making it more flexible for expats.
Which life insurance is best for loan protection in UAE?
HAYAH Loan Protect is specifically designed for covering home, car, and personal loans at a lower cost.
Is Policybazaar.ae safe for comparing life insurance plans?
Yes. Policybazaar.ae is a trusted comparison platform in the UAE. It lets you compare multiple insurers, including MetLife and HAYAH, with 100% transparency and clarity.
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