Question 1

Which is better, NAS (NextCare) or Watania (ADNTC)?

Accepted Answer

It depends on your needs. NAS (NextCare) has 10,619 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. Watania (ADNTC) has 4,914 providers across 8 cities with 2 plans from AED 2,200/yr. Choose NAS (NextCare) if you need a larger provider network. Choose Watania (ADNTC) if you prioritise lower entry-level premiums.

Question 2

Is NAS (NextCare) cheaper than Watania (ADNTC)?

Accepted Answer

No, Watania (ADNTC)'s entry-level plan starts from AED 2,200/yr, while NAS (NextCare)'s cheapest plan begins at AED 2,500/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.

Question 3

Which has a bigger network in Dubai, NAS (NextCare) or Watania (ADNTC)?

Accepted Answer

NAS (NextCare) has a larger Dubai network with 5,200 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 NAS (NextCare) or Watania (ADNTC) cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. NAS (NextCare)'s dental sub-limit goes up to AED 4,000/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 NAS (NextCare) 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 NAS (NextCare) 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 NAS (NextCare) and Watania (ADNTC) have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare NAS (NextCare) and Watania (ADNTC) plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare NAS (NextCare) and Watania (ADNTC) side-by-side. Key factors to compare: (1) Annual premium — NAS (NextCare) starts from AED 2,500/yr, Watania (ADNTC) from AED 2,200/yr, (2) Network size — 10,619 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	NAS (NextCare)	Watania (ADNTC)
Type	tpa	private
Founded	1999	2011
Headquarters	Dubai	Abu Dhabi
Regulators	DHA, HAAD, MOHAP	HAAD, MOHAP
Number of Plans	2	2
Premium Range	AED 2,500 – 13,000	AED 2,200 – 10,000
Total Network Size	10,619	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	800-627	800-928264

City	NAS (NextCare)	vs	Watania (ADNTC)
Dubai	5,200	vs	1,716
Abu Dhabi	2,357	vs	1,750
Sharjah	1,628	vs	639
Al Ain	584	vs	479
Ajman	374	vs	156
Ras Al Khaimah	261	vs	89
Fujairah	168	vs	66
Umm Al Quwain	47	vs	19

NAS (NextCare) vs Watania (ADNTC)

NAS (NextCare)

Watania (ADNTC)

NAS (NextCare) vs Watania (ADNTC) — At a Glance

Network Comparison by City

NAS (NextCare) Plans

NextCare Essential

NextCare Gold

Watania (ADNTC) Plans

Watania Basic Takaful

Watania Enhanced Takaful

Verdict

NAS (NextCare) vs Watania (ADNTC) — FAQ

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