Fidelity United Insurance vs Watania (ADNTC)
UAE Health Insurance Comparison 2026
Fidelity United Insurance
private5,583 providers
2 plans
Est. 1976
DHA regulated
Watania (ADNTC)
private4,914 providers
2 plans
Est. 2011
HAAD, MOHAP regulated
Fidelity United Insurance has 2 plans starting from AED 2,300/yr with 5,583 providers across 8 cities. Watania (ADNTC) has 2 plans starting from AED 2,200/yr with 4,914 providers across 8 cities. Fidelity United Insurance is strongest in Dubai while Watania (ADNTC) has the most providers in Abu Dhabi.
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 | HAAD, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,300 – 10,500 | AED 2,200 – 10,000 |
| Total Network Size | 5,583 | 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 | 04-263-2444 | 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 | Fidelity United Insurance | vs | Watania (ADNTC) |
|---|---|---|---|
| Dubai | 3,434 | vs | 1,716 |
| Abu Dhabi | 686 | vs | 1,750 |
| Sharjah | 829 | vs | 639 |
| Al Ain | 219 | vs | 479 |
| Ajman | 244 | vs | 156 |
| Ras Al Khaimah | 95 | vs | 89 |
| Fujairah | 61 | vs | 66 |
| Umm Al Quwain | 15 | vs | 19 |
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 meeting DHA mandatory requirements
AED 2,300 – 4,200/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
5,583 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
5,583 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 Fidelity United Insurance 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.
Fidelity United Insurance 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 Fidelity United Insurance and Watania (ADNTC) or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.