Question 1

Which is better, Emirates Insurance Company or Watania (ADNTC)?

Accepted Answer

It depends on your needs. Emirates Insurance Company has 5,672 providers across 8 cities and offers 2 plans starting from AED 2,200/yr. Watania (ADNTC) has 4,914 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.

Question 2

Is Emirates Insurance Company cheaper than Watania (ADNTC)?

Accepted Answer

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.

Question 3

Which has a bigger network in Dubai, Emirates Insurance Company or Watania (ADNTC)?

Accepted Answer

Emirates Insurance Company has a larger Dubai network with 3,325 providers, compared to Watania (ADNTC)'s 1,716 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does Emirates Insurance Company or Watania (ADNTC) cover dental?

Accepted Answer

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.

Question 5

Can I switch from Emirates Insurance Company to Watania (ADNTC)?

Accepted Answer

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.

Question 6

How do I compare Emirates Insurance Company and Watania (ADNTC) plans?

Accepted Answer

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 — 5,672 vs 4,914 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.

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	5,672	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	800-364728	800-928264

City	Emirates Insurance Company	vs	Watania (ADNTC)
Dubai	3,325	vs	1,716
Abu Dhabi	714	vs	1,750
Sharjah	905	vs	639
Al Ain	227	vs	479
Ajman	295	vs	156
Ras Al Khaimah	112	vs	89
Fujairah	74	vs	66
Umm Al Quwain	20	vs	19

Emirates Insurance Company vs Watania (ADNTC)

Emirates Insurance Company

Watania (ADNTC)

Emirates Insurance Company vs Watania (ADNTC) — At a Glance

Network Comparison by City

Emirates Insurance Company Plans

Emirates Essential Health

Emirates Corporate Health

Watania (ADNTC) Plans

Watania Basic Takaful

Watania Enhanced Takaful

Verdict

Emirates Insurance Company vs Watania (ADNTC) — FAQ

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