Al Wathba National Insurance vs Emirates Insurance Company
UAE Health Insurance Comparison 2026
Al Wathba National Insurance
private4,330 providers
2 plans
Est. 1996
HAAD regulated
Emirates Insurance Company
private5,672 providers
2 plans
Est. 1982
DHA, MOHAP regulated
Al Wathba National Insurance has 2 plans starting from AED 2,100/yr with 4,330 providers across 8 cities. Emirates Insurance Company has 2 plans starting from AED 2,200/yr with 5,672 providers across 8 cities. Al Wathba National Insurance is strongest in Abu Dhabi while Emirates Insurance Company has the most providers in Dubai.
Al Wathba National Insurance vs Emirates Insurance Company — At a Glance
| Attribute | Al Wathba National Insurance | Emirates Insurance Company |
|---|---|---|
| Type | private | private |
| Founded | 1996 | 1982 |
| Headquarters | Abu Dhabi | Abu Dhabi |
| Regulators | HAAD | DHA, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,100 – 9,500 | AED 2,200 – 11,000 |
| Total Network Size | 4,330 | 5,672 |
| 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 | 800-29642 | 800-364728 |
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 | Emirates Insurance Company |
|---|---|---|---|
| Dubai | 1,524 | vs | 3,325 |
| Abu Dhabi | 1,652 | vs | 714 |
| Sharjah | 362 | vs | 905 |
| Al Ain | 456 | vs | 227 |
| Ajman | 139 | vs | 295 |
| Ras Al Khaimah | 101 | vs | 112 |
| Fujairah | 73 | vs | 74 |
| Umm Al Quwain | 23 | vs | 20 |
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 →Emirates Insurance Company Plans
Emirates Insurance Company
Emirates Essential Health
Individuals and SMEs in Dubai and Northern Emirates
AED 2,200 – 4,000/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
5,672 providers
View details →Emirates Insurance Company
Emirates Corporate Health
Corporate employees in Dubai and Northern Emirates
AED 5,000 – 11,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
5,672 providers
View details →Verdict
Choose Al Wathba National Insurance if you need lower entry-level premiums. Choose Emirates Insurance Company if you prioritise a larger provider network. 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 Emirates Insurance Company — 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 Wathba National Insurance and Emirates Insurance Company or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.