Question 1

Which is better, Al Wathba National Insurance or Allianz Care?

Accepted Answer

It depends on your needs. Al Wathba National Insurance has 4,330 providers across 8 cities and offers 2 plans starting from AED 2,100/yr. Allianz Care has 7,667 providers across 8 cities with 2 plans from AED 6,500/yr. Choose Al Wathba National Insurance if you need lower entry-level premiums. Choose Allianz Care if you prioritise a larger provider network, more comprehensive coverage options.

Question 2

Is Al Wathba National Insurance cheaper than Allianz Care?

Accepted Answer

Yes, Al Wathba National Insurance's entry-level plan starts from AED 2,100/yr, compared to Allianz Care's cheapest plan at AED 6,500/yr. However, plan pricing varies by age, nationality, visa type, and employer. Enhanced and premium tiers may differ. Always obtain a personalised quote from each insurer.

Question 3

Which has a bigger network in Dubai, Al Wathba National Insurance or Allianz Care?

Accepted Answer

Allianz Care has a larger Dubai network with 4,573 providers, compared to Al Wathba National Insurance's 1,524 providers. Network sizes are based on the UAE Open Healthcare Directory data.

Question 4

Does Al Wathba National Insurance or Allianz Care cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. Al Wathba National Insurance's dental sub-limit goes up to AED 2,500/yr, while Allianz Care offers up to AED 10,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Al Wathba National Insurance to Allianz Care?

Accepted Answer

Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Al Wathba National Insurance to Allianz Care (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 Wathba National Insurance and Allianz Care have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Al Wathba National Insurance and Allianz Care plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Al Wathba National Insurance and Allianz Care side-by-side. Key factors to compare: (1) Annual premium — Al Wathba National Insurance starts from AED 2,100/yr, Allianz Care from AED 6,500/yr, (2) Network size — 4,330 vs 7,667 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.

Attribute	Al Wathba National Insurance	Allianz Care
Type	private	private
Founded	1996	1890
Headquarters	Abu Dhabi	Dubai (ME office)
Regulators	HAAD	DHA, HAAD, MOHAP
Number of Plans	2	2
Premium Range	AED 2,100 – 9,500	AED 6,500 – 32,000
Total Network Size	4,330	7,667
Cities Covered	8	8
Dental	Yes	Yes
Optical	Yes	Yes
Maternity	Yes	Yes
Mental Health	Yes	Yes
International	No	Yes
Co-pay Range	20%	0% – 20%
Claims Phone	800-29642	800-255426

City	Al Wathba National Insurance	vs	Allianz Care
Dubai	1,524	vs	4,573
Abu Dhabi	1,652	vs	1,765
Sharjah	362	vs	570
Al Ain	456	vs	316
Ajman	139	vs	180
Ras Al Khaimah	101	vs	137
Fujairah	73	vs	94
Umm Al Quwain	23	vs	32

Al Wathba National Insurance vs Allianz Care

Al Wathba National Insurance

Allianz Care

Al Wathba National Insurance vs Allianz Care — At a Glance

Network Comparison by City

Al Wathba National Insurance Plans

Al Wathba Basic Health

Al Wathba Enhanced Health

Allianz Care Plans

Allianz MyHealth Standard

Allianz MyHealth Premium

Verdict

Al Wathba National Insurance vs Allianz Care — FAQ

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