Hayah Insurance vs Watania (ADNTC)
UAE Health Insurance Comparison 2026
Hayah Insurance
private3,504 providers
2 plans
Est. 2008
DOH regulated
Watania (ADNTC)
private4,785 providers
2 plans
Est. 2011
DOH, MOHAP regulated
Hayah Insurance has 2 plans from AED 2,400 a year and 3,504 in-network providers in 8 cities. Watania (ADNTC) has 2 plans from AED 2,200 a year and 4,785 in-network providers in 8 cities. Hayah 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.
Hayah Insurance vs Watania (ADNTC) — At a Glance
| Attribute | Hayah Insurance | Watania (ADNTC) |
|---|---|---|
| Type | private | private |
| Founded | 2008 | 2011 |
| Headquarters | Abu Dhabi | Abu Dhabi |
| Regulators | DOH | DOH, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,400 – 10,000 | AED 2,200 – 10,000 |
| Total Network Size | 3,504 | 4,785 |
| 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% |
| Phone (from the insurer's website) | 800 HAYAH (800 42924) | +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 | Hayah Insurance | vs | Watania (ADNTC) |
|---|---|---|---|
| Dubai | 1,539 | vs | 1,652 |
| Abu Dhabi | 1,147 | vs | 1,715 |
| Sharjah | 285 | vs | 628 |
| Al Ain | 293 | vs | 466 |
| Ajman | 116 | vs | 156 |
| Ras Al Khaimah | 68 | vs | 87 |
| Fujairah | 46 | vs | 63 |
| Umm Al Quwain | 10 | vs | 18 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Hayah Insurance Plans
Hayah Insurance
Hayah Basic Health
Individuals and small businesses in Abu Dhabi
AED 2,400 – 4,300/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
3,504 providers
View details →Hayah Insurance
Hayah Family Care
Families and corporate employees in Abu Dhabi
AED 5,000 – 10,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
3,504 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 Hayah 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. 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.
Hayah Insurance vs Watania (ADNTC) — FAQ
Which is better, Hayah Insurance or Watania (ADNTC)?
It depends on your needs. Hayah Insurance has 3,504 providers across 8 cities and offers 2 plans starting from AED 2,400/yr. Watania (ADNTC) has 4,785 providers across 8 cities with 2 plans from AED 2,200/yr. Choose Hayah 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.
Is Hayah Insurance cheaper than Watania (ADNTC)?
No, Watania (ADNTC)'s entry-level plan starts from AED 2,200/yr, while Hayah Insurance's cheapest plan begins at AED 2,400/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.
Which has a bigger network in Dubai, Hayah Insurance or Watania (ADNTC)?
Watania (ADNTC) has a larger Dubai network with 1,652 providers, compared to Hayah Insurance's 1,539 providers. Network sizes are based on the UAE Open Healthcare Directory data.
Does Hayah Insurance or Watania (ADNTC) cover dental?
Both insurers offer dental coverage on their enhanced and premium plans. Hayah 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 Hayah 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 Hayah 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 Hayah Insurance and Watania (ADNTC) have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Hayah Insurance and Watania (ADNTC) plans?
Use the UAE Health Insurance Navigator on this page to compare Hayah Insurance and Watania (ADNTC) side-by-side. Key factors to compare: (1) Annual premium — Hayah Insurance starts from AED 2,400/yr, Watania (ADNTC) from AED 2,200/yr, (2) Network size — 3,504 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 Hayah Insurance and Watania (ADNTC) or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory.