UAE insurer profile
Al Wathba National Insurance
Est. 1996 · Abu Dhabi · HAAD regulated
Abu Dhabi-focused insurer with growing Northern Emirates presence. Al Wathba National Insurance offers 2 health insurance plans in the UAE, accepted by 4,284 healthcare providers across 8 cities. Data cross-referenced with the UAE Open Healthcare Directory.
At a glance
Key facts.
- Abu Dhabi-focused insurer with growing Northern Emirates presence
- Part of a wider Abu Dhabi-based financial services group
- Known for competitive HAAD-compliant health plans
- Focus on SME and mid-market corporate clients
Coverage matrix
Coverage at a glance.
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| Al Wathba Basic Health | Basic | AED 2,100 – 3,800/yr | AED 200,000 | 20% | — | — |
| Al Wathba Enhanced Health | Enhanced | AED 4,500 – 9,500/yr | AED 400,000 | 20% | ✓ | ✓ |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Plan catalogue
Insurance plans.
Al Wathba National Insurance
Al Wathba Basic Health
SMEs and employees in Abu Dhabi meeting HAAD requirements
AED 2,100 – 3,800/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
4,284 providers
View details →Al Wathba National Insurance
Al Wathba Enhanced Health
Corporate employees and families in Abu Dhabi
AED 4,500 – 9,500/yr
Annual limit: AED 400,000 · semi-private room · 20% co-pay
4,284 providers
View details →Who accepts this
Provider network.
Providers by City
Top Specialties in Network
The claims flow
How claims work with Al Wathba National Insurance.
Direct billing. Present your Al Wathba National Insurance insurance card at any in-network provider. The clinic or hospital bills Al Wathba National 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 awnic.ae or call 800-29642. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact Al Wathba National Insurance at least 48 hours in advance.
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Questions
About Al Wathba National Insurance.
Al Wathba National Insurance Insurance — FAQ
What health insurance plans does Al Wathba National Insurance offer in the UAE?
Al Wathba National Insurance offers 2 health insurance plans in the UAE: Al Wathba Basic Health, Al Wathba Enhanced Health. Plans range from AED 2,100 – 3,800/yr to AED 4,500 – 9,500/yr annually.
How many healthcare providers accept Al Wathba National Insurance insurance?
According to the UAE Open Healthcare Directory, 4,284 healthcare providers across 8 UAE cities accept Al Wathba National Insurance insurance. This includes hospitals, clinics, dental practices, and specialist centers.
Does Al Wathba National Insurance cover dental and maternity?
Dental and maternity coverage depends on the plan tier. Yes, Al Wathba National Insurance's enhanced and premium plans include dental coverage. Maternity is covered with waiting periods ranging from 10 to 12 months.
Is Al Wathba National Insurance the UAE healthcare regulator or HAAD compliant?
Al Wathba National Insurance is regulated by HAAD. Health Authority Abu Dhabi (HAAD/DoH) oversight ensures plans meet Abu Dhabi's mandatory Thiqa and basic scheme requirements.
How do I file a claim with Al Wathba National Insurance?
To file a claim with Al Wathba National Insurance, call their claims line at 800-29642. For direct billing, simply present your Al Wathba National 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 awnic.ae or by post to their Abu Dhabi office.
What is the cheapest Al Wathba National Insurance plan?
The most affordable Al Wathba National Insurance plan is the Al Wathba Basic Health (Basic tier), starting from AED 2,100 – 3,800/yr annually. It covers inpatient, outpatient, maternity with a 20% outpatient co-pay and an annual limit of AED 200,000.
Does Al Wathba National Insurance have a mobile app for claims?
Al Wathba National Insurance offers digital claims submission through their member portal at awnic.ae. Most major UAE insurers, including Al Wathba National 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 Al Wathba National 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 Al Wathba National Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.