Al Wathba National Insurance vs Fidelity United Insurance
UAE Health Insurance Comparison 2026
Al Wathba National Insurance
private4,330 providers
2 plans
Est. 1996
HAAD regulated
Fidelity United Insurance
private5,583 providers
2 plans
Est. 1976
DHA regulated
Al Wathba National Insurance has 2 plans starting from AED 2,100/yr with 4,330 providers across 8 cities. Fidelity United Insurance has 2 plans starting from AED 2,300/yr with 5,583 providers across 8 cities. Al Wathba National Insurance is strongest in Abu Dhabi while Fidelity United Insurance has the most providers in Dubai.
Al Wathba National Insurance vs Fidelity United Insurance — At a Glance
| Attribute | Al Wathba National Insurance | Fidelity United Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1996 | 1976 |
| Headquarters | Abu Dhabi | Dubai |
| Regulators | HAAD | DHA |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,100 – 9,500 | AED 2,300 – 10,500 |
| Total Network Size | 4,330 | 5,583 |
| 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 | 04-263-2444 |
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 | Fidelity United Insurance |
|---|---|---|---|
| Dubai | 1,524 | vs | 3,434 |
| Abu Dhabi | 1,652 | vs | 686 |
| Sharjah | 362 | vs | 829 |
| Al Ain | 456 | vs | 219 |
| Ajman | 139 | vs | 244 |
| Ras Al Khaimah | 101 | vs | 95 |
| Fujairah | 73 | vs | 61 |
| Umm Al Quwain | 23 | vs | 15 |
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 →Fidelity United Insurance Plans
Fidelity United Insurance
Fidelity Basic Health
Small businesses in Dubai meeting DHA mandatory requirements
AED 2,300 – 4,200/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
5,583 providers
View details →Fidelity United Insurance
Fidelity Corporate Health
Corporate employees in Dubai
AED 5,000 – 10,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
5,583 providers
View details →Verdict
Choose Al Wathba National Insurance if you need lower entry-level premiums. Choose Fidelity United Insurance 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 Fidelity United 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 Wathba National Insurance and Fidelity United Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.