Alliance Insurance vs Watania (ADNTC)
UAE Health Insurance Comparison 2026
Alliance Insurance
private4,748 providers
2 plans
Est. 1975
DHA regulated
Watania (ADNTC)
private4,914 providers
2 plans
Est. 2011
HAAD, MOHAP regulated
Alliance Insurance has 2 plans starting from AED 2,500/yr with 4,748 providers across 8 cities. Watania (ADNTC) has 2 plans starting from AED 2,200/yr with 4,914 providers across 8 cities. Alliance Insurance is strongest in Dubai while Watania (ADNTC) has the most providers in Abu Dhabi.
Alliance Insurance vs Watania (ADNTC) — At a Glance
| Attribute | Alliance Insurance | Watania (ADNTC) |
|---|---|---|
| Type | private | private |
| Founded | 1975 | 2011 |
| Headquarters | Dubai | Abu Dhabi |
| Regulators | DHA | HAAD, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 11,500 | AED 2,200 – 10,000 |
| Total Network Size | 4,748 | 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 | 04-263-2222 | 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 | Alliance Insurance | vs | Watania (ADNTC) |
|---|---|---|---|
| Dubai | 2,941 | vs | 1,716 |
| Abu Dhabi | 599 | vs | 1,750 |
| Sharjah | 721 | vs | 639 |
| Al Ain | 183 | vs | 479 |
| Ajman | 140 | vs | 156 |
| Ras Al Khaimah | 90 | vs | 89 |
| Fujairah | 56 | vs | 66 |
| Umm Al Quwain | 18 | vs | 19 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Alliance Insurance Plans
Alliance Insurance
Alliance Basic Health
SMEs in Dubai meeting DHA mandatory requirements
AED 2,500 – 4,500/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
4,748 providers
View details →Alliance Insurance
Alliance Corporate Health
Corporate employees in Dubai and Sharjah
AED 5,500 – 11,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
4,748 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 Alliance Insurance if you need strong coverage and established reputation. Choose Watania (ADNTC) if you prioritise a larger provider network, lower entry-level premiums, 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.
Alliance 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 Alliance Insurance and Watania (ADNTC) or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.