Al Sagr National Insurance vs Al Wathba National Insurance
UAE Health Insurance Comparison 2026
Al Sagr National Insurance
private4,938 providers
2 plans
Est. 1979
HAAD, DHA regulated
Al Wathba National Insurance
private4,330 providers
2 plans
Est. 1996
HAAD regulated
Al Sagr National Insurance has 2 plans starting from AED 2,200/yr with 4,938 providers across 8 cities. Al Wathba National Insurance has 2 plans starting from AED 2,100/yr with 4,330 providers across 8 cities. Al Sagr National Insurance is strongest in Dubai while Al Wathba National Insurance has the most providers in Abu Dhabi.
Al Sagr National Insurance vs Al Wathba National Insurance — At a Glance
| Attribute | Al Sagr National Insurance | Al Wathba National Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1979 | 1996 |
| Headquarters | Dubai | Abu Dhabi |
| Regulators | HAAD, DHA | HAAD |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,200 – 10,000 | AED 2,100 – 9,500 |
| Total Network Size | 4,938 | 4,330 |
| 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 | 02-641-7755 | 800-29642 |
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 Sagr National Insurance | vs | Al Wathba National Insurance |
|---|---|---|---|
| Dubai | 2,641 | vs | 1,524 |
| Abu Dhabi | 1,396 | vs | 1,652 |
| Sharjah | 355 | vs | 362 |
| Al Ain | 235 | vs | 456 |
| Ajman | 146 | vs | 139 |
| Ras Al Khaimah | 91 | vs | 101 |
| Fujairah | 58 | vs | 73 |
| Umm Al Quwain | 16 | vs | 23 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Al Sagr National Insurance Plans
Al Sagr National Insurance
Al Sagr Basic Health
Employees in Abu Dhabi meeting mandatory HAAD requirements
AED 2,200 – 4,200/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
4,938 providers
View details →Al Sagr National Insurance
Al Sagr Enhanced Health
Corporate employees and families in Abu Dhabi and Dubai
AED 5,000 – 10,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
4,938 providers
View details →Al Wathba National 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
4,330 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
4,330 providers
View details →Verdict
Choose Al Sagr National Insurance if you need a larger provider network. Choose Al Wathba National Insurance 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.
Al Sagr National Insurance vs Al Wathba National Insurance — 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 Sagr National Insurance and Al Wathba National Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.