Al Wathba National Insurance vs GIG Gulf
UAE Health Insurance Comparison 2026
Al Wathba National Insurance
private4,330 providers
2 plans
Est. 1996
HAAD regulated
GIG Gulf
private7,697 providers
3 plans
Est. 1962
DHA, HAAD, MOHAP regulated
Al Wathba National Insurance has 2 plans starting from AED 2,100/yr with 4,330 providers across 8 cities. GIG Gulf has 3 plans starting from AED 2,800/yr with 7,697 providers across 8 cities. Al Wathba National Insurance is strongest in Abu Dhabi while GIG Gulf has the most providers in Dubai.
Al Wathba National Insurance vs GIG Gulf — At a Glance
| Attribute | Al Wathba National Insurance | GIG Gulf |
|---|---|---|
| Type | private | private |
| Founded | 1996 | 1962 |
| Headquarters | Abu Dhabi | Kuwait / Dubai |
| Regulators | HAAD | DHA, HAAD, MOHAP |
| Number of Plans | 2 | 3 |
| Premium Range | AED 2,100 – 9,500 | AED 2,800 – 28,000 |
| Total Network Size | 4,330 | 7,697 |
| 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 | 800-444 |
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 | GIG Gulf |
|---|---|---|---|
| Dubai | 1,524 | vs | 4,165 |
| Abu Dhabi | 1,652 | vs | 1,674 |
| Sharjah | 362 | vs | 1,045 |
| Al Ain | 456 | vs | 297 |
| Ajman | 139 | vs | 227 |
| Ras Al Khaimah | 101 | vs | 155 |
| Fujairah | 73 | vs | 113 |
| Umm Al Quwain | 23 | vs | 21 |
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 →GIG Gulf Plans
GIG Gulf
GIG Gulf Essential
SMEs and individuals meeting mandatory requirements across UAE
AED 2,800 – 4,800/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
7,697 providers
View details →GIG Gulf
GIG Gulf Corporate Plus
Corporate employees and families across UAE
AED 5,500 – 12,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
7,697 providers
View details →GIG Gulf
GIG Gulf Executive
Senior management and executives
AED 15,000 – 28,000/yr
Annual limit: AED 1.5M · private room · 0% co-pay
7,697 providers
View details →Verdict
Choose Al Wathba National Insurance if you need lower entry-level premiums. Choose GIG Gulf 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 GIG Gulf — 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 GIG Gulf or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.