Daman vs Watania (ADNTC)
UAE Health Insurance Comparison 2026
Daman
mandatory9,645 providers
3 plans
Est. 2005
HAAD regulated
Watania (ADNTC)
private4,914 providers
2 plans
Est. 2011
HAAD, MOHAP regulated
Daman has 3 plans starting from AED 600/yr with 9,645 providers across 8 cities. Watania (ADNTC) has 2 plans starting from AED 2,200/yr with 4,914 providers across 8 cities. Daman is strongest in Dubai while Watania (ADNTC) has the most providers in Abu Dhabi.
Daman vs Watania (ADNTC) — At a Glance
| Attribute | Daman | Watania (ADNTC) |
|---|---|---|
| Type | mandatory | private |
| Founded | 2005 | 2011 |
| Headquarters | Abu Dhabi | Abu Dhabi |
| Regulators | HAAD | HAAD, MOHAP |
| Number of Plans | 3 | 2 |
| Premium Range | AED 600 – 25,000 | AED 2,200 – 10,000 |
| Total Network Size | 9,645 | 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 | 0% – 20% | 20% |
| Claims Phone | 800-42626 | 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 | Daman | vs | Watania (ADNTC) |
|---|---|---|---|
| Dubai | 4,144 | vs | 1,716 |
| Abu Dhabi | 2,490 | vs | 1,750 |
| Sharjah | 1,352 | vs | 639 |
| Al Ain | 815 | vs | 479 |
| Ajman | 371 | vs | 156 |
| Ras Al Khaimah | 252 | vs | 89 |
| Fujairah | 170 | vs | 66 |
| Umm Al Quwain | 51 | vs | 19 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Daman Plans
Daman
Daman Basic
Low-income workers and dependants in Abu Dhabi (mandatory scheme)
AED 600 – 750/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
9,645 providers
View details →Daman
Daman Enhanced
Mid-salary employees and families in Abu Dhabi
AED 3,500 – 7,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
9,645 providers
View details →Daman
Daman Premium
Senior employees and executives in Abu Dhabi
AED 12,000 – 25,000/yr
Annual limit: AED 1.0M · private room · 0% co-pay
9,645 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 Daman if you need a larger provider network, lower entry-level premiums, more plan tiers to choose from, more comprehensive coverage options. Choose Watania (ADNTC) if you prioritise strong coverage and established reputation. 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.
Daman vs Watania (ADNTC) — FAQ
Related Comparisons
Disclaimer: Plan details, premiums, and network sizes are indicative, based on publicly available UAE insurance market data. Obtain personalised quotes from Daman and Watania (ADNTC) or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.