Question 1

Which is better, Al Wathba National Insurance or Union Insurance?

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. Union Insurance has 6,349 providers across 8 cities with 2 plans from AED 2,300/yr. Choose Al Wathba National Insurance if you need lower entry-level premiums. Choose Union Insurance if you prioritise a larger provider network.

Question 2

Is Al Wathba National Insurance cheaper than Union Insurance?

Accepted Answer

Yes, Al Wathba National Insurance's entry-level plan starts from AED 2,100/yr, compared to Union Insurance's cheapest plan at AED 2,300/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 Union Insurance?

Accepted Answer

Union Insurance has a larger Dubai network with 3,229 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 Union Insurance 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 Union Insurance offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Al Wathba National Insurance to Union Insurance?

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 Union Insurance (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 Union Insurance have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Al Wathba National Insurance and Union Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Al Wathba National Insurance and Union Insurance side-by-side. Key factors to compare: (1) Annual premium — Al Wathba National Insurance starts from AED 2,100/yr, Union Insurance from AED 2,300/yr, (2) Network size — 4,330 vs 6,349 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	Union Insurance
Type	private	private
Founded	1996	1998
Headquarters	Abu Dhabi	Dubai
Regulators	HAAD	HAAD, DHA
Number of Plans	2	2
Premium Range	AED 2,100 – 9,500	AED 2,300 – 10,500
Total Network Size	4,330	6,349
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	02-677-5050

City	Al Wathba National Insurance	vs	Union Insurance
Dubai	1,524	vs	3,229
Abu Dhabi	1,652	vs	1,646
Sharjah	362	vs	838
Al Ain	456	vs	237
Ajman	139	vs	162
Ras Al Khaimah	101	vs	133
Fujairah	73	vs	77
Umm Al Quwain	23	vs	27

Al Wathba National Insurance vs Union Insurance

Al Wathba National Insurance

Union Insurance

Al Wathba National Insurance vs Union Insurance — At a Glance

Network Comparison by City

Al Wathba National Insurance Plans

Al Wathba Basic Health

Al Wathba Enhanced Health

Union Insurance Plans

Union Basic Health

Union Enhanced Health

Verdict

Al Wathba National Insurance vs Union Insurance — FAQ

Related Comparisons