Al Wathba National Insurance vs Watania (ADNTC)
UAE Health Insurance Comparison 2026
Al Wathba National Insurance
private4,205 providers
2 plans
Est. 1996
DOH regulated
Watania (ADNTC)
private4,785 providers
2 plans
Est. 2011
DOH, MOHAP regulated
Al Wathba National Insurance has 2 plans from AED 2,100 a year and 4,205 in-network providers in 8 cities. Watania (ADNTC) has 2 plans from AED 2,200 a year and 4,785 in-network providers in 8 cities. Both insurers have the most providers in Abu Dhabi. Network counts are providers in the UAE Open Healthcare Directory that list each insurer; premiums are indicative.
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 | DOH | DOH, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,100 – 9,500 | AED 2,200 – 10,000 |
| Total Network Size | 4,205 | 4,785 |
| 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% |
| Phone (from the insurer's website) | 600 54 40 40 | +971 800 928 2642 |
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 | 1,621 | vs | 1,715 |
| Dubai | 1,458 | vs | 1,652 |
| Sharjah | 354 | vs | 628 |
| Al Ain | 442 | vs | 466 |
| Ajman | 136 | vs | 156 |
| Ras Al Khaimah | 99 | vs | 87 |
| Fujairah | 73 | vs | 63 |
| Umm Al Quwain | 22 | vs | 18 |
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 who need the mandatory cover
AED 2,100 – 3,800/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
4,205 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
4,205 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
4,785 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
4,785 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
Which is better, Al Wathba National Insurance or Watania (ADNTC)?
It depends on your needs. Al Wathba National Insurance has 4,205 providers across 8 cities and offers 2 plans starting from AED 2,100/yr. Watania (ADNTC) has 4,785 providers across 8 cities with 2 plans from AED 2,200/yr. 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.
Is Al Wathba National Insurance cheaper than Watania (ADNTC)?
Yes, Al Wathba National Insurance's entry-level plan starts from AED 2,100/yr, compared to Watania (ADNTC)'s cheapest plan at AED 2,200/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.
Which has a bigger network in Dubai, Al Wathba National Insurance or Watania (ADNTC)?
Watania (ADNTC) has a larger Dubai network with 1,652 providers, compared to Al Wathba National Insurance's 1,458 providers. Network sizes are based on the UAE Open Healthcare Directory data.
Does Al Wathba National Insurance or Watania (ADNTC) cover dental?
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 Watania (ADNTC) offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Al Wathba National Insurance to Watania (ADNTC)?
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 Watania (ADNTC) (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 Watania (ADNTC) have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Al Wathba National Insurance and Watania (ADNTC) plans?
Use the UAE Health Insurance Navigator on this page to compare Al Wathba National Insurance and Watania (ADNTC) side-by-side. Key factors to compare: (1) Annual premium — Al Wathba National Insurance starts from AED 2,100/yr, Watania (ADNTC) from AED 2,200/yr, (2) Network size — 4,205 vs 4,785 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.
Related Comparisons
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.