Hayah Insurance vs Watania (ADNTC)
UAE Health Insurance Comparison 2026
Hayah Insurance
private3,604 providers
2 plans
Est. 2008
HAAD regulated
Watania (ADNTC)
private4,914 providers
2 plans
Est. 2011
HAAD, MOHAP regulated
Hayah Insurance has 2 plans starting from AED 2,400/yr with 3,604 providers across 8 cities. Watania (ADNTC) has 2 plans starting from AED 2,200/yr with 4,914 providers across 8 cities. Hayah Insurance is strongest in Dubai while Watania (ADNTC) has the most providers in Abu Dhabi.
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 | HAAD | HAAD, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,400 – 10,000 | AED 2,200 – 10,000 |
| Total Network Size | 3,604 | 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 | 800-42924 | 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 | Hayah Insurance | vs | Watania (ADNTC) |
|---|---|---|---|
| Dubai | 1,601 | vs | 1,716 |
| Abu Dhabi | 1,167 | vs | 1,750 |
| Sharjah | 289 | vs | 639 |
| Al Ain | 302 | vs | 479 |
| Ajman | 116 | vs | 156 |
| Ras Al Khaimah | 71 | vs | 89 |
| Fujairah | 48 | vs | 66 |
| Umm Al Quwain | 10 | vs | 19 |
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
3,604 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
3,604 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 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
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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, last verified March 2026.