Al Wathba National Insurance vs RAK Insurance
UAE Health Insurance Comparison 2026
Al Wathba National Insurance
private4,330 providers
2 plans
Est. 1996
HAAD regulated
RAK Insurance
private3,552 providers
2 plans
Est. 1974
MOHAP regulated
Al Wathba National Insurance has 2 plans starting from AED 2,100/yr with 4,330 providers across 8 cities. RAK Insurance has 2 plans starting from AED 2,000/yr with 3,552 providers across 8 cities. Al Wathba National Insurance is strongest in Abu Dhabi while RAK Insurance has the most providers in Dubai.
Al Wathba National Insurance vs RAK Insurance — At a Glance
| Attribute | Al Wathba National Insurance | RAK Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1996 | 1974 |
| Headquarters | Abu Dhabi | Ras Al Khaimah |
| Regulators | HAAD | MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,100 – 9,500 | AED 2,000 – 8,500 |
| Total Network Size | 4,330 | 3,552 |
| 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 | 07-228-8444 |
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 | RAK Insurance |
|---|---|---|---|
| Dubai | 1,524 | vs | 1,375 |
| Abu Dhabi | 1,652 | vs | 618 |
| Sharjah | 362 | vs | 585 |
| Al Ain | 456 | vs | 186 |
| Ras Al Khaimah | 101 | vs | 365 |
| Ajman | 139 | vs | 238 |
| Fujairah | 73 | vs | 146 |
| Umm Al Quwain | 23 | vs | 39 |
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 →RAK Insurance Plans
RAK Insurance
RAK Basic Health
Employees in Northern Emirates meeting MOHAP requirements
AED 2,000 – 3,500/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
3,552 providers
View details →RAK Insurance
RAK Enhanced Health
Corporate employees and families in Northern Emirates
AED 4,000 – 8,500/yr
Annual limit: AED 350,000 · semi-private room · 20% co-pay
3,552 providers
View details →Verdict
Choose Al Wathba National Insurance if you need a larger provider network, more comprehensive coverage options. Choose RAK Insurance if you prioritise 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 RAK 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 RAK Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.