Dubai Insurance Company vs Watania (ADNTC)
UAE Health Insurance Comparison 2026
Dubai Insurance Company
private8,676 providers
2 plans
Est. 1970
DHA regulated
Watania (ADNTC)
private4,914 providers
2 plans
Est. 2011
HAAD, MOHAP regulated
Dubai Insurance Company has 2 plans starting from AED 2,500/yr with 8,676 providers across 8 cities. Watania (ADNTC) has 2 plans starting from AED 2,200/yr with 4,914 providers across 8 cities. Dubai Insurance Company is strongest in Dubai while Watania (ADNTC) has the most providers in Abu Dhabi.
Dubai Insurance Company vs Watania (ADNTC) — At a Glance
| Attribute | Dubai Insurance Company | Watania (ADNTC) |
|---|---|---|
| Type | private | private |
| Founded | 1970 | 2011 |
| Headquarters | Dubai | Abu Dhabi |
| Regulators | DHA | HAAD, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 12,000 | AED 2,200 – 10,000 |
| Total Network Size | 8,676 | 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 | 04-262-5252 | 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 | Dubai Insurance Company | vs | Watania (ADNTC) |
|---|---|---|---|
| Dubai | 5,248 | vs | 1,716 |
| Abu Dhabi | 1,107 | vs | 1,750 |
| Sharjah | 1,310 | vs | 639 |
| Al Ain | 371 | vs | 479 |
| Ajman | 321 | vs | 156 |
| Ras Al Khaimah | 175 | vs | 89 |
| Fujairah | 106 | vs | 66 |
| Umm Al Quwain | 38 | vs | 19 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Dubai Insurance Company Plans
Dubai Insurance Company
DIC Essential Health
Small businesses and individuals in Dubai meeting DHA mandate
AED 2,500 – 4,000/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
8,676 providers
View details →Dubai Insurance Company
DIC Corporate Health
Mid-size companies and their employees in Dubai
AED 5,000 – 12,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
8,676 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 Dubai Insurance Company if you need a larger provider network. Choose Watania (ADNTC) if you prioritise 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.
Dubai Insurance Company 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 Dubai Insurance Company and Watania (ADNTC) or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.