Arabia Insurance vs Watania (ADNTC)
UAE Health Insurance Comparison 2026
Arabia Insurance
private4,594 providers
2 plans
Est. 1944
DHA, HAAD regulated
Watania (ADNTC)
private4,914 providers
2 plans
Est. 2011
HAAD, MOHAP regulated
Arabia Insurance has 2 plans starting from AED 2,500/yr with 4,594 providers across 8 cities. Watania (ADNTC) has 2 plans starting from AED 2,200/yr with 4,914 providers across 8 cities. Arabia Insurance is strongest in Dubai while Watania (ADNTC) has the most providers in Abu Dhabi.
Arabia Insurance vs Watania (ADNTC) — At a Glance
| Attribute | Arabia Insurance | Watania (ADNTC) |
|---|---|---|
| Type | private | private |
| Founded | 1944 | 2011 |
| Headquarters | Beirut (UAE offices in Abu Dhabi, Dubai, Sharjah) | Abu Dhabi |
| Regulators | DHA, HAAD | HAAD, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 11,000 | AED 2,200 – 10,000 |
| Total Network Size | 4,594 | 4,914 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | No | Yes |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 04-265-1500 | 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 | Arabia Insurance | vs | Watania (ADNTC) |
|---|---|---|---|
| Dubai | 2,550 | vs | 1,716 |
| Abu Dhabi | 880 | vs | 1,750 |
| Sharjah | 666 | vs | 639 |
| Al Ain | 196 | vs | 479 |
| Ajman | 124 | vs | 156 |
| Ras Al Khaimah | 108 | vs | 89 |
| Fujairah | 58 | vs | 66 |
| Umm Al Quwain | 12 | vs | 19 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Arabia Insurance Plans
Arabia Insurance
Arabia Basic Health
SMEs in Dubai and Abu Dhabi meeting mandatory requirements
AED 2,500 – 4,500/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
4,594 providers
View details →Arabia Insurance
Arabia Enhanced Health
Corporate employees and families
AED 5,500 – 11,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
4,594 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 Arabia 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.
Arabia 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 Arabia Insurance and Watania (ADNTC) or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.