Al Wathba National Insurance vs National General Insurance
UAE Health Insurance Comparison 2026
Al Wathba National Insurance
private4,330 providers
2 plans
Est. 1996
HAAD regulated
National General Insurance
private5,012 providers
2 plans
Est. 1980
DHA, HAAD regulated
Al Wathba National Insurance has 2 plans starting from AED 2,100/yr with 4,330 providers across 8 cities. National General Insurance has 2 plans starting from AED 2,000/yr with 5,012 providers across 8 cities. Both insurers have their strongest presence in Abu Dhabi.
Al Wathba National Insurance vs National General Insurance — At a Glance
| Attribute | Al Wathba National Insurance | National General Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1996 | 1980 |
| Headquarters | Abu Dhabi | Dubai |
| Regulators | HAAD | DHA, HAAD |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,100 – 9,500 | AED 2,000 – 9,000 |
| Total Network Size | 4,330 | 5,012 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | No |
| Maternity | Yes | Yes |
| Mental Health | Yes | No |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 800-29642 | 02-619-1100 |
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 | National General Insurance |
|---|---|---|---|
| Abu Dhabi | 1,652 | vs | 1,811 |
| Dubai | 1,524 | vs | 1,776 |
| Sharjah | 362 | vs | 589 |
| Al Ain | 456 | vs | 482 |
| Ajman | 139 | vs | 160 |
| Ras Al Khaimah | 101 | vs | 109 |
| Fujairah | 73 | vs | 62 |
| Umm Al Quwain | 23 | vs | 23 |
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 →National General Insurance Plans
National General Insurance
NGI Basic Health
Blue-collar and mid-level employees in Abu Dhabi
AED 2,000 – 3,800/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
5,012 providers
View details →National General Insurance
NGI Enhanced Health
White-collar employees and families in Abu Dhabi
AED 4,500 – 9,000/yr
Annual limit: AED 400,000 · semi-private room · 20% co-pay
5,012 providers
View details →Verdict
Choose Al Wathba National Insurance if you need more comprehensive coverage options. Choose National General Insurance if you prioritise a larger provider network, lower entry-level premiums. 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 National General 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 National General Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.