Al Wathba National Insurance vs Cigna
UAE Health Insurance Comparison 2026
Al Wathba National Insurance
private4,330 providers
2 plans
Est. 1996
HAAD regulated
Cigna
private9,074 providers
3 plans
Est. 1982
DHA, HAAD, MOHAP regulated
Al Wathba National Insurance has 2 plans starting from AED 2,100/yr with 4,330 providers across 8 cities. Cigna has 3 plans starting from AED 3,500/yr with 9,074 providers across 8 cities. Al Wathba National Insurance is strongest in Abu Dhabi while Cigna has the most providers in Dubai.
Al Wathba National Insurance vs Cigna — At a Glance
| Attribute | Al Wathba National Insurance | Cigna |
|---|---|---|
| Type | private | private |
| Founded | 1996 | 1982 |
| Headquarters | Abu Dhabi | Dubai |
| Regulators | HAAD | DHA, HAAD, MOHAP |
| Number of Plans | 2 | 3 |
| Premium Range | AED 2,100 – 9,500 | AED 3,500 – 40,000 |
| Total Network Size | 4,330 | 9,074 |
| 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 | 800-244627 |
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 Wathba National Insurance | vs | Cigna |
|---|---|---|---|
| Dubai | 1,524 | vs | 4,984 |
| Abu Dhabi | 1,652 | vs | 2,123 |
| Sharjah | 362 | vs | 965 |
| Al Ain | 456 | vs | 396 |
| Ajman | 139 | vs | 260 |
| Ras Al Khaimah | 101 | vs | 193 |
| Fujairah | 73 | vs | 119 |
| Umm Al Quwain | 23 | vs | 34 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
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 →Cigna Plans
Cigna
Cigna Essential Care
Individuals and small businesses meeting UAE mandatory requirements
AED 3,500 – 6,000/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
9,074 providers
View details →Cigna
Cigna Global Health Options
Expat professionals and families wanting flexible global-local coverage
AED 8,000 – 16,000/yr
Annual limit: AED 1.0M · semi-private room · 10% co-pay
9,074 providers
View details →Cigna
Cigna Global Health Platinum
C-suite executives and high-net-worth families
AED 20,000 – 40,000/yr
Annual limit: Unlimited · private room · 0% co-pay
9,074 providers
View details →Verdict
Choose Al Wathba National Insurance if you need lower entry-level premiums. Choose Cigna if you prioritise a larger provider network, more plan tiers to choose from, 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 Wathba National Insurance vs Cigna — FAQ
Related Comparisons
Disclaimer: Plan details, premiums, and network sizes are indicative, based on publicly available UAE insurance market data. Obtain personalised quotes from Al Wathba National Insurance and Cigna or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.