National General Insurance vs Watania (ADNTC)
UAE Health Insurance Comparison 2026
National General Insurance
private5,012 providers
2 plans
Est. 1980
DHA, HAAD regulated
Watania (ADNTC)
private4,914 providers
2 plans
Est. 2011
HAAD, MOHAP regulated
National General Insurance has 2 plans starting from AED 2,000/yr with 5,012 providers across 8 cities. Watania (ADNTC) has 2 plans starting from AED 2,200/yr with 4,914 providers across 8 cities. Both insurers have their strongest presence in Abu Dhabi.
National General Insurance vs Watania (ADNTC) — At a Glance
| Attribute | National General Insurance | Watania (ADNTC) |
|---|---|---|
| Type | private | private |
| Founded | 1980 | 2011 |
| Headquarters | Dubai | Abu Dhabi |
| Regulators | DHA, HAAD | HAAD, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,000 – 9,000 | AED 2,200 – 10,000 |
| Total Network Size | 5,012 | 4,914 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | No | Yes |
| Maternity | Yes | Yes |
| Mental Health | No | Yes |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 02-619-1100 | 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 | National General Insurance | vs | Watania (ADNTC) |
|---|---|---|---|
| Abu Dhabi | 1,811 | vs | 1,750 |
| Dubai | 1,776 | vs | 1,716 |
| Sharjah | 589 | vs | 639 |
| Al Ain | 482 | vs | 479 |
| Ajman | 160 | vs | 156 |
| Ras Al Khaimah | 109 | vs | 89 |
| Fujairah | 62 | vs | 66 |
| Umm Al Quwain | 23 | vs | 19 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
National General Insurance Plans
National General Insurance
NGI Basic Health
Blue-collar and mid-level employees in Abu Dhabi
AED 2,000 – 3,800/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
5,012 providers
View details →National General Insurance
NGI Enhanced Health
White-collar employees and families in Abu Dhabi
AED 4,500 – 9,000/yr
Annual limit: AED 400,000 · semi-private room · 20% co-pay
5,012 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 National General Insurance if you need a larger provider network, lower entry-level premiums. Choose Watania (ADNTC) if you prioritise 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.
National General Insurance vs Watania (ADNTC) — FAQ
Related Comparisons
Disclaimer: Plan details, premiums, and network sizes are indicative, based on publicly available UAE insurance market data. Obtain personalised quotes from National General Insurance and Watania (ADNTC) or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.