ADNIC vs Watania (ADNTC)
UAE Health Insurance Comparison 2026
ADNIC
private8,447 providers
2 plans
Est. 1972
HAAD, DHA, MOHAP regulated
Watania (ADNTC)
private4,914 providers
2 plans
Est. 2011
HAAD, MOHAP regulated
ADNIC has 2 plans starting from AED 2,500/yr with 8,447 providers across 8 cities. Watania (ADNTC) has 2 plans starting from AED 2,200/yr with 4,914 providers across 8 cities. ADNIC is strongest in Dubai while Watania (ADNTC) has the most providers in Abu Dhabi.
ADNIC vs Watania (ADNTC) — At a Glance
| Attribute | ADNIC | Watania (ADNTC) |
|---|---|---|
| Type | private | private |
| Founded | 1972 | 2011 |
| Headquarters | Abu Dhabi | Abu Dhabi |
| Regulators | HAAD, DHA, MOHAP | HAAD, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 11,000 | AED 2,200 – 10,000 |
| Total Network Size | 8,447 | 4,914 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 800-23642 | 800-928264 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | ADNIC | vs | Watania (ADNTC) |
|---|---|---|---|
| Dubai | 3,744 | vs | 1,716 |
| Abu Dhabi | 2,340 | vs | 1,750 |
| Sharjah | 983 | vs | 639 |
| Al Ain | 762 | vs | 479 |
| Ajman | 273 | vs | 156 |
| Ras Al Khaimah | 202 | vs | 89 |
| Fujairah | 110 | vs | 66 |
| Umm Al Quwain | 33 | vs | 19 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
ADNIC Plans
ADNIC
ADNIC Basic Health
Employees in Abu Dhabi and Northern Emirates meeting mandatory requirements
AED 2,500 – 4,500/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
8,447 providers
View details →ADNIC
ADNIC Enhanced Health
Corporate employees with enhanced coverage needs
AED 5,500 – 11,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
8,447 providers
View details →Watania (ADNTC) Plans
Watania (ADNTC)
Watania Basic Takaful
Employers in Abu Dhabi and Northern Emirates seeking Takaful coverage
AED 2,200 – 4,000/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
4,914 providers
View details →Watania (ADNTC)
Watania Enhanced Takaful
Corporate employees and families in Abu Dhabi
AED 5,000 – 10,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
4,914 providers
View details →Verdict
Choose ADNIC if you need a larger provider network. Choose Watania (ADNTC) if you prioritise lower entry-level premiums, more comprehensive coverage options. Both are established insurers in the UAE market. The best choice depends on your employer's plan options, budget, required coverage, and preferred hospital network in your city.
ADNIC vs Watania (ADNTC) — FAQ
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Disclaimer: Plan details, premiums, and network sizes are indicative, based on publicly available UAE insurance market data. Obtain personalised quotes from ADNIC and Watania (ADNTC) or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.