Aetna International vs Watania (ADNTC)
UAE Health Insurance Comparison 2026
Aetna International
private6,001 providers
2 plans
Est. 1853
DHA, HAAD regulated
Watania (ADNTC)
private4,914 providers
2 plans
Est. 2011
HAAD, MOHAP regulated
Aetna International has 2 plans starting from AED 7,000/yr with 6,001 providers across 8 cities. Watania (ADNTC) has 2 plans starting from AED 2,200/yr with 4,914 providers across 8 cities. Aetna International is strongest in Dubai while Watania (ADNTC) has the most providers in Abu Dhabi.
Aetna International vs Watania (ADNTC) — At a Glance
| Attribute | Aetna International | Watania (ADNTC) |
|---|---|---|
| Type | private | private |
| Founded | 1853 | 2011 |
| Headquarters | Dubai | Abu Dhabi |
| Regulators | DHA, HAAD | HAAD, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 7,000 – 36,000 | AED 2,200 – 10,000 |
| Total Network Size | 6,001 | 4,914 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | Yes | No |
| Co-pay Range | 0% – 20% | 20% |
| Claims Phone | 800-423862 | 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 | Aetna International | vs | Watania (ADNTC) |
|---|---|---|---|
| Dubai | 3,779 | vs | 1,716 |
| Abu Dhabi | 1,252 | vs | 1,750 |
| Sharjah | 391 | vs | 639 |
| Al Ain | 221 | vs | 479 |
| Ajman | 146 | vs | 156 |
| Ras Al Khaimah | 116 | vs | 89 |
| Fujairah | 78 | vs | 66 |
| Umm Al Quwain | 18 | vs | 19 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Aetna International Plans
Aetna International
Aetna Core Health
Expat professionals and families in the UAE
AED 7,000 – 13,000/yr
Annual limit: AED 1.0M · semi-private room · 20% co-pay
6,001 providers
View details →Aetna International
Aetna Premier
Senior executives and HNW expats requiring global coverage
AED 19,000 – 36,000/yr
Annual limit: AED 2.0M · private room · 0% co-pay
6,001 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 Aetna International if you need a larger provider network, more comprehensive coverage options. Choose Watania (ADNTC) if you prioritise lower entry-level premiums. 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.
Aetna International 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 Aetna International and Watania (ADNTC) or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.