Al Dhafra Insurance vs Watania (ADNTC)
UAE Health Insurance Comparison 2026
Al Dhafra Insurance
private3,288 providers
2 plans
Est. 1979
HAAD regulated
Watania (ADNTC)
private4,914 providers
2 plans
Est. 2011
HAAD, MOHAP regulated
Al Dhafra Insurance has 2 plans starting from AED 2,000/yr with 3,288 providers across 8 cities. Watania (ADNTC) has 2 plans starting from AED 2,200/yr with 4,914 providers across 8 cities. Both insurers have their strongest presence in Abu Dhabi.
Al Dhafra Insurance vs Watania (ADNTC) — At a Glance
| Attribute | Al Dhafra Insurance | Watania (ADNTC) |
|---|---|---|
| Type | private | private |
| Founded | 1979 | 2011 |
| Headquarters | Abu Dhabi | Abu Dhabi |
| Regulators | HAAD | HAAD, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,000 – 9,000 | AED 2,200 – 10,000 |
| Total Network Size | 3,288 | 4,914 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | No | Yes |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 02-622-2212 | 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 | Al Dhafra Insurance | vs | Watania (ADNTC) |
|---|---|---|---|
| Abu Dhabi | 1,305 | vs | 1,750 |
| Dubai | 1,147 | vs | 1,716 |
| Sharjah | 273 | vs | 639 |
| Al Ain | 327 | vs | 479 |
| Ajman | 97 | vs | 156 |
| Ras Al Khaimah | 88 | vs | 89 |
| Fujairah | 40 | vs | 66 |
| Umm Al Quwain | 11 | vs | 19 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Al Dhafra Insurance Plans
Al Dhafra Insurance
Al Dhafra Basic Health
Employees in Abu Dhabi and Western Region
AED 2,000 – 3,800/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
3,288 providers
View details →Al Dhafra Insurance
Al Dhafra Enhanced Health
Corporate employees and families in Abu Dhabi
AED 4,500 – 9,000/yr
Annual limit: AED 400,000 · semi-private room · 20% co-pay
3,288 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 Al Dhafra Insurance if you need lower entry-level premiums. Choose Watania (ADNTC) if you prioritise a larger provider network, 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.
Al Dhafra Insurance 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 Al Dhafra Insurance and Watania (ADNTC) or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.