Al Sagr National Insurance vs Watania (ADNTC)
UAE Health Insurance Comparison 2026
Al Sagr National Insurance
private801 providers
2 plans
Est. 1979
DOH, DHA regulated
Watania (ADNTC)
private4,785 providers
2 plans
Est. 2011
DOH, MOHAP regulated
Al Sagr National Insurance has 2 plans from AED 2,200 a year and 801 in-network providers in 7 cities. Watania (ADNTC) has 2 plans from AED 2,200 a year and 4,785 in-network providers in 8 cities. Al Sagr National Insurance has the most providers in Dubai while Watania (ADNTC) has the most in Abu Dhabi. Network counts are providers in the UAE Open Healthcare Directory that list each insurer; premiums are indicative.
Al Sagr National Insurance vs Watania (ADNTC) — At a Glance
| Attribute | Al Sagr National Insurance | Watania (ADNTC) |
|---|---|---|
| Type | private | private |
| Founded | 1979 | 2011 |
| Headquarters | Dubai | Abu Dhabi |
| Regulators | DOH, DHA | DOH, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,200 – 10,000 | AED 2,200 – 10,000 |
| Total Network Size | 801 | 4,785 |
| Cities Covered | 7 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Phone (from the insurer's website) | 04 702 8500 | +971 800 928 2642 |
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 | Watania (ADNTC) |
|---|---|---|---|
| Dubai | 429 | vs | 1,652 |
| Abu Dhabi | 172 | vs | 1,715 |
| Sharjah | 135 | vs | 628 |
| Al Ain | 0 | vs | 466 |
| Ajman | 36 | vs | 156 |
| Ras Al Khaimah | 19 | vs | 87 |
| Fujairah | 6 | vs | 63 |
| Umm Al Quwain | 4 | vs | 18 |
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 who need the mandatory cover
AED 2,200 – 4,200/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
801 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
801 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
4,785 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
4,785 providers
View details →Verdict
Choose Al Sagr National Insurance if you need strong coverage and established reputation. Choose Watania (ADNTC) if you prioritise a larger provider network, more comprehensive coverage options, presence in 8 cities. 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 Watania (ADNTC) — FAQ
Which is better, Al Sagr National Insurance or Watania (ADNTC)?
It depends on your needs. Al Sagr National Insurance has 801 providers across 7 cities and offers 2 plans starting from AED 2,200/yr. Watania (ADNTC) has 4,785 providers across 8 cities with 2 plans from AED 2,200/yr. Choose Al Sagr National Insurance if you need strong coverage and established reputation. Choose Watania (ADNTC) if you prioritise a larger provider network, more comprehensive coverage options, presence in 8 cities.
Is Al Sagr National Insurance cheaper than Watania (ADNTC)?
Both Al Sagr National Insurance and Watania (ADNTC) have entry-level plans starting from AED 2,200/yr. However, pricing varies by age, nationality, visa type, and employer. Compare enhanced and premium tiers for a full picture, and always obtain personalised quotes.
Which has a bigger network in Dubai, Al Sagr National Insurance or Watania (ADNTC)?
Watania (ADNTC) has a larger Dubai network with 1,652 providers, compared to Al Sagr National Insurance's 429 providers. Network sizes are based on the UAE Open Healthcare Directory data.
Does Al Sagr National Insurance or Watania (ADNTC) cover dental?
Both insurers offer dental coverage on their enhanced and premium plans. Al Sagr National Insurance's dental sub-limit goes up to AED 3,000/yr, while Watania (ADNTC) offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Al Sagr National Insurance to Watania (ADNTC)?
Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Al Sagr National Insurance to Watania (ADNTC) (or vice versa), be aware of: (1) Pre-existing condition waiting periods may restart — check the new insurer's policy, (2) Maternity waiting periods usually reset, (3) Any ongoing treatment authorisations need to be re-submitted. Coordinate with your employer's HR department if on a group plan. Both Al Sagr National Insurance and Watania (ADNTC) have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Al Sagr National Insurance and Watania (ADNTC) plans?
Use the UAE Health Insurance Navigator on this page to compare Al Sagr National Insurance and Watania (ADNTC) side-by-side. Key factors to compare: (1) Annual premium — Al Sagr National Insurance starts from AED 2,200/yr, Watania (ADNTC) from AED 2,200/yr, (2) Network size — 801 vs 4,785 providers, (3) Coverage — dental, optical, maternity, and mental health inclusion, (4) Co-pay percentages, and (5) Provider availability in your city. Scroll down for the full comparison table.
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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 Watania (ADNTC) or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory.