Allianz Care vs Watania (ADNTC)
UAE Health Insurance Comparison 2026
Allianz Care
private7,562 providers
2 plans
Est. 1890
DHA, HAAD, MOHAP regulated
Watania (ADNTC)
private4,870 providers
2 plans
Est. 2011
HAAD, MOHAP regulated
Allianz Care has 2 plans starting from AED 6,500/yr with 7,562 providers across 8 cities. Watania (ADNTC) has 2 plans starting from AED 2,200/yr with 4,870 providers across 8 cities. Allianz Care is strongest in Dubai while Watania (ADNTC) has the most providers in Abu Dhabi.
Allianz Care vs Watania (ADNTC) — At a Glance
| Attribute | Allianz Care | Watania (ADNTC) |
|---|---|---|
| Type | private | private |
| Founded | 1890 | 2011 |
| Headquarters | Dubai (ME office) | Abu Dhabi |
| Regulators | DHA, HAAD, MOHAP | HAAD, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 6,500 – 32,000 | AED 2,200 – 10,000 |
| Total Network Size | 7,562 | 4,870 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | Yes | No |
| Co-pay Range | 0% – 20% | 20% |
| Claims Phone | 800-255426 | 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 | Allianz Care | vs | Watania (ADNTC) |
|---|---|---|---|
| Dubai | 4,491 | vs | 1,691 |
| Abu Dhabi | 1,763 | vs | 1,749 |
| Sharjah | 568 | vs | 633 |
| Al Ain | 309 | vs | 472 |
| Ajman | 178 | vs | 156 |
| Ras Al Khaimah | 130 | vs | 87 |
| Fujairah | 92 | vs | 64 |
| Umm Al Quwain | 31 | vs | 18 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Allianz Care Plans
Allianz Care
Allianz MyHealth Standard
Expat professionals and families
AED 6,500 – 14,000/yr
Annual limit: AED 750,000 · semi-private room · 20% co-pay
7,562 providers
View details →Allianz Care
Allianz MyHealth Premium
Senior executives and high-net-worth expats
AED 18,000 – 32,000/yr
Annual limit: AED 2.0M · private room · 0% co-pay
7,562 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
4,870 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
4,870 providers
View details →Verdict
Choose Allianz Care if you need a larger provider network, more comprehensive coverage options. Choose Watania (ADNTC) 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.
Allianz Care vs Watania (ADNTC) — FAQ
Which is better, Allianz Care or Watania (ADNTC)?
It depends on your needs. Allianz Care has 7,562 providers across 8 cities and offers 2 plans starting from AED 6,500/yr. Watania (ADNTC) has 4,870 providers across 8 cities with 2 plans from AED 2,200/yr. Choose Allianz Care if you need a larger provider network, more comprehensive coverage options. Choose Watania (ADNTC) if you prioritise lower entry-level premiums.
Is Allianz Care cheaper than Watania (ADNTC)?
No, Watania (ADNTC)'s entry-level plan starts from AED 2,200/yr, while Allianz Care's cheapest plan begins at AED 6,500/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.
Which has a bigger network in Dubai, Allianz Care or Watania (ADNTC)?
Allianz Care has a larger Dubai network with 4,491 providers, compared to Watania (ADNTC)'s 1,691 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does Allianz Care or Watania (ADNTC) cover dental?
Both insurers offer dental coverage on their enhanced and premium plans. Allianz Care's dental sub-limit goes up to AED 10,000/yr, while Watania (ADNTC) offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Allianz Care 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 Allianz Care 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 Allianz Care and Watania (ADNTC) have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Allianz Care and Watania (ADNTC) plans?
Use the UAE Health Insurance Navigator on this page to compare Allianz Care and Watania (ADNTC) side-by-side. Key factors to compare: (1) Annual premium — Allianz Care starts from AED 6,500/yr, Watania (ADNTC) from AED 2,200/yr, (2) Network size — 7,562 vs 4,870 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.
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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 Allianz Care and Watania (ADNTC) or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.