Fidelity United Insurance vs Watania (ADNTC)
UAE Health Insurance Comparison 2026
Fidelity United Insurance
private679 providers
2 plans
Est. 1976
DHA regulated
Watania (ADNTC)
private4,785 providers
2 plans
Est. 2011
DOH, MOHAP regulated
Fidelity United Insurance has 2 plans from AED 2,300 a year and 679 in-network providers in 7 cities. Watania (ADNTC) has 2 plans from AED 2,200 a year and 4,785 in-network providers in 8 cities. Fidelity United Insurance has the most providers in Dubai while Watania (ADNTC) has the most in Abu Dhabi. Network counts are providers in the UAE Open Healthcare Directory that list each insurer; premiums are indicative.
Fidelity United Insurance vs Watania (ADNTC) — At a Glance
| Attribute | Fidelity United Insurance | Watania (ADNTC) |
|---|---|---|
| Type | private | private |
| Founded | 1976 | 2011 |
| Headquarters | Dubai | Abu Dhabi |
| Regulators | DHA | DOH, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,300 – 10,500 | AED 2,200 – 10,000 |
| Total Network Size | 679 | 4,785 |
| Cities Covered | 7 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Phone (from the insurer's website) | 800 842 | +971 800 928 2642 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | Fidelity United Insurance | vs | Watania (ADNTC) |
|---|---|---|---|
| Dubai | 356 | vs | 1,652 |
| Abu Dhabi | 140 | vs | 1,715 |
| Sharjah | 124 | vs | 628 |
| Al Ain | 0 | vs | 466 |
| Ajman | 33 | vs | 156 |
| Ras Al Khaimah | 19 | vs | 87 |
| Fujairah | 4 | vs | 63 |
| Umm Al Quwain | 3 | vs | 18 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Fidelity United Insurance Plans
Fidelity United Insurance
Fidelity Basic Health
Small businesses in Dubai who need the mandatory cover
AED 2,300 – 4,200/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
679 providers
View details →Fidelity United Insurance
Fidelity Corporate Health
Corporate employees in Dubai
AED 5,000 – 10,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
679 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
4,785 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
4,785 providers
View details →Verdict
Choose Fidelity United 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, presence in 8 cities. 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.
Fidelity United Insurance vs Watania (ADNTC) — FAQ
Which is better, Fidelity United Insurance or Watania (ADNTC)?
It depends on your needs. Fidelity United Insurance has 679 providers across 7 cities and offers 2 plans starting from AED 2,300/yr. Watania (ADNTC) has 4,785 providers across 8 cities with 2 plans from AED 2,200/yr. Choose Fidelity United 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, presence in 8 cities.
Is Fidelity United Insurance cheaper than Watania (ADNTC)?
No, Watania (ADNTC)'s entry-level plan starts from AED 2,200/yr, while Fidelity United Insurance's cheapest plan begins at AED 2,300/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.
Which has a bigger network in Dubai, Fidelity United Insurance or Watania (ADNTC)?
Watania (ADNTC) has a larger Dubai network with 1,652 providers, compared to Fidelity United Insurance's 356 providers. Network sizes are based on the UAE Open Healthcare Directory data.
Does Fidelity United Insurance or Watania (ADNTC) cover dental?
Both insurers offer dental coverage on their enhanced and premium plans. Fidelity United Insurance'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 Fidelity United Insurance 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 Fidelity United Insurance 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 Fidelity United Insurance and Watania (ADNTC) have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Fidelity United Insurance and Watania (ADNTC) plans?
Use the UAE Health Insurance Navigator on this page to compare Fidelity United Insurance and Watania (ADNTC) side-by-side. Key factors to compare: (1) Annual premium — Fidelity United Insurance starts from AED 2,300/yr, Watania (ADNTC) from AED 2,200/yr, (2) Network size — 679 vs 4,785 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 Fidelity United Insurance and Watania (ADNTC) or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory.