Question 1

Which is better, Al Wathba National Insurance or Now Health International?

Accepted Answer

It depends on your needs. Al Wathba National Insurance has 4,330 providers across 8 cities and offers 2 plans starting from AED 2,100/yr. Now Health International has 3,470 providers across 8 cities with 2 plans from AED 5,500/yr. Choose Al Wathba National Insurance if you need a larger provider network, lower entry-level premiums. Choose Now Health International if you prioritise more comprehensive coverage options.

Question 2

Is Al Wathba National Insurance cheaper than Now Health International?

Accepted Answer

Yes, Al Wathba National Insurance's entry-level plan starts from AED 2,100/yr, compared to Now Health International's cheapest plan at AED 5,500/yr. However, plan pricing varies by age, nationality, visa type, and employer. Enhanced and premium tiers may differ. Always obtain a personalised quote from each insurer.

Question 3

Which has a bigger network in Dubai, Al Wathba National Insurance or Now Health International?

Accepted Answer

Now Health International has a larger Dubai network with 2,495 providers, compared to Al Wathba National Insurance's 1,524 providers. Network sizes are based on the UAE Open Healthcare Directory data.

Question 4

Does Al Wathba National Insurance or Now Health International cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. Al Wathba National Insurance's dental sub-limit goes up to AED 2,500/yr, while Now Health International offers up to AED 7,500/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Al Wathba National Insurance to Now Health International?

Accepted Answer

Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Al Wathba National Insurance to Now Health International (or vice versa), be aware of: (1) Pre-existing condition waiting periods may restart — check the new insurer's policy, (2) Maternity waiting periods usually reset, (3) Any ongoing treatment authorisations need to be re-submitted. Coordinate with your employer's HR department if on a group plan. Both Al Wathba National Insurance and Now Health International have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Al Wathba National Insurance and Now Health International plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Al Wathba National Insurance and Now Health International side-by-side. Key factors to compare: (1) Annual premium — Al Wathba National Insurance starts from AED 2,100/yr, Now Health International from AED 5,500/yr, (2) Network size — 4,330 vs 3,470 providers, (3) Coverage — dental, optical, maternity, and mental health inclusion, (4) Co-pay percentages, and (5) Provider availability in your city. Scroll down for the full comparison table.

Attribute	Al Wathba National Insurance	Now Health International
Type	private	private
Founded	1996	2011
Headquarters	Abu Dhabi	Dubai
Regulators	HAAD	DHA, HAAD
Number of Plans	2	2
Premium Range	AED 2,100 – 9,500	AED 5,500 – 28,000
Total Network Size	4,330	3,470
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	800-669

City	Al Wathba National Insurance	vs	Now Health International
Dubai	1,524	vs	2,495
Abu Dhabi	1,652	vs	394
Sharjah	362	vs	262
Al Ain	456	vs	125
Ajman	139	vs	95
Ras Al Khaimah	101	vs	51
Fujairah	73	vs	39
Umm Al Quwain	23	vs	9

Al Wathba National Insurance vs Now Health International

Al Wathba National Insurance

Now Health International

Al Wathba National Insurance vs Now Health International — At a Glance

Network Comparison by City

Al Wathba National Insurance Plans

Al Wathba Basic Health

Al Wathba Enhanced Health

Now Health International Plans

Now Health WorldCare Essential

Now Health WorldCare Prestige

Verdict

Al Wathba National Insurance vs Now Health International — FAQ

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