Emirates Insurance Company vs Watania (ADNTC)
UAE Health Insurance Comparison 2026
Emirates Insurance Company
private5,595 providers
2 plans
Est. 1982
DHA, MOHAP regulated
Watania (ADNTC)
private4,870 providers
2 plans
Est. 2011
HAAD, MOHAP regulated
Emirates Insurance Company has 2 plans starting from AED 2,200/yr with 5,595 providers across 8 cities. Watania (ADNTC) has 2 plans starting from AED 2,200/yr with 4,870 providers across 8 cities. Emirates Insurance Company is strongest in Dubai while Watania (ADNTC) has the most providers in Abu Dhabi.
Emirates Insurance Company vs Watania (ADNTC) — At a Glance
| Attribute | Emirates Insurance Company | Watania (ADNTC) |
|---|---|---|
| Type | private | private |
| Founded | 1982 | 2011 |
| Headquarters | Abu Dhabi | Abu Dhabi |
| Regulators | DHA, MOHAP | HAAD, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,200 – 11,000 | AED 2,200 – 10,000 |
| Total Network Size | 5,595 | 4,870 |
| 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 | 800-364728 | 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 | Emirates Insurance Company | vs | Watania (ADNTC) |
|---|---|---|---|
| Dubai | 3,271 | vs | 1,691 |
| Abu Dhabi | 713 | vs | 1,749 |
| Sharjah | 898 | vs | 633 |
| Al Ain | 224 | vs | 472 |
| Ajman | 291 | vs | 156 |
| Ras Al Khaimah | 107 | vs | 87 |
| Fujairah | 72 | vs | 64 |
| Umm Al Quwain | 19 | vs | 18 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Emirates Insurance Company Plans
Emirates Insurance Company
Emirates Essential Health
Individuals and SMEs in Dubai and Northern Emirates
AED 2,200 – 4,000/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
5,595 providers
View details →Emirates Insurance Company
Emirates Corporate Health
Corporate employees in Dubai and Northern Emirates
AED 5,000 – 11,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
5,595 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 Emirates Insurance Company if you need a larger provider network. Choose Watania (ADNTC) if you prioritise 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.
Emirates Insurance Company vs Watania (ADNTC) — FAQ
Which is better, Emirates Insurance Company or Watania (ADNTC)?
It depends on your needs. Emirates Insurance Company has 5,595 providers across 8 cities and offers 2 plans starting from AED 2,200/yr. Watania (ADNTC) has 4,870 providers across 8 cities with 2 plans from AED 2,200/yr. Choose Emirates Insurance Company if you need a larger provider network. Choose Watania (ADNTC) if you prioritise more comprehensive coverage options.
Is Emirates Insurance Company cheaper than Watania (ADNTC)?
Both Emirates Insurance Company and Watania (ADNTC) have entry-level plans starting from AED 2,200/yr. However, pricing varies by age, nationality, visa type, and employer. Compare enhanced and premium tiers for a full picture, and always obtain personalised quotes.
Which has a bigger network in Dubai, Emirates Insurance Company or Watania (ADNTC)?
Emirates Insurance Company has a larger Dubai network with 3,271 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 Emirates Insurance Company or Watania (ADNTC) cover dental?
Both insurers offer dental coverage on their enhanced and premium plans. Emirates Insurance Company's dental sub-limit goes up to AED 3,000/yr, while Watania (ADNTC) offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Emirates Insurance Company 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 Emirates Insurance Company 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 Emirates Insurance Company and Watania (ADNTC) have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Emirates Insurance Company and Watania (ADNTC) plans?
Use the UAE Health Insurance Navigator on this page to compare Emirates Insurance Company and Watania (ADNTC) side-by-side. Key factors to compare: (1) Annual premium — Emirates Insurance Company starts from AED 2,200/yr, Watania (ADNTC) from AED 2,200/yr, (2) Network size — 5,595 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 Emirates Insurance Company and Watania (ADNTC) or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.