Al Wathba National Insurance vs Watania (ADNTC)
UAE Health Insurance Comparison 2026
Al Wathba National Insurance
private4,330 providers
2 plans
Est. 1996
HAAD regulated
Watania (ADNTC)
private4,914 providers
2 plans
Est. 2011
HAAD, MOHAP regulated
Al Wathba National Insurance has 2 plans starting from AED 2,100/yr with 4,330 providers across 8 cities. Watania (ADNTC) has 2 plans starting from AED 2,200/yr with 4,914 providers across 8 cities. Both insurers have their strongest presence in Abu Dhabi.
Al Wathba National Insurance vs Watania (ADNTC) — At a Glance
| Attribute | Al Wathba National Insurance | Watania (ADNTC) |
|---|---|---|
| Type | private | private |
| Founded | 1996 | 2011 |
| Headquarters | Abu Dhabi | Abu Dhabi |
| Regulators | HAAD | HAAD, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,100 – 9,500 | AED 2,200 – 10,000 |
| Total Network Size | 4,330 | 4,914 |
| 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 | 800-928264 |
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 | Watania (ADNTC) |
|---|---|---|---|
| Abu Dhabi | 1,652 | vs | 1,750 |
| Dubai | 1,524 | vs | 1,716 |
| Sharjah | 362 | vs | 639 |
| Al Ain | 456 | vs | 479 |
| Ajman | 139 | vs | 156 |
| Ras Al Khaimah | 101 | vs | 89 |
| Fujairah | 73 | vs | 66 |
| Umm Al Quwain | 23 | vs | 19 |
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 →Watania (ADNTC) Plans
Watania (ADNTC)
Watania Basic Takaful
Employers in Abu Dhabi and Northern Emirates seeking Takaful coverage
AED 2,200 – 4,000/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
4,914 providers
View details →Watania (ADNTC)
Watania Enhanced Takaful
Corporate employees and families in Abu Dhabi
AED 5,000 – 10,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
4,914 providers
View details →Verdict
Choose Al Wathba National Insurance if you need lower entry-level premiums. Choose Watania (ADNTC) if you prioritise a larger provider network, 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 Watania (ADNTC) — 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 Watania (ADNTC) or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.