Noor Takaful vs Watania (ADNTC)
UAE Health Insurance Comparison 2026
Noor Takaful
private4,927 providers
2 plans
Est. 2009
DHA, DOH regulated
Watania (ADNTC)
private4,784 providers
2 plans
Est. 2011
DOH, MOHAP regulated
Noor Takaful has 2 plans from AED 2,600 a year and 4,927 in-network providers in 8 cities. Watania (ADNTC) has 2 plans from AED 2,200 a year and 4,784 in-network providers in 8 cities. Noor Takaful 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.
Noor Takaful vs Watania (ADNTC) — At a Glance
| Attribute | Noor Takaful | Watania (ADNTC) |
|---|---|---|
| Type | private | private |
| Founded | 2009 | 2011 |
| Headquarters | Dubai | Abu Dhabi |
| Regulators | DHA, DOH | DOH, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,600 – 11,000 | AED 2,200 – 10,000 |
| Total Network Size | 4,927 | 4,784 |
| 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) | See noortakaful.com | +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 | Noor Takaful | vs | Watania (ADNTC) |
|---|---|---|---|
| Dubai | 2,715 | vs | 1,652 |
| Abu Dhabi | 972 | vs | 1,715 |
| Sharjah | 740 | vs | 627 |
| Al Ain | 200 | vs | 466 |
| Ajman | 133 | vs | 156 |
| Ras Al Khaimah | 88 | vs | 87 |
| Fujairah | 64 | vs | 63 |
| Umm Al Quwain | 15 | vs | 18 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Noor Takaful Plans
Noor Takaful
Noor Basic Takaful Health
SMEs in Dubai and Abu Dhabi seeking Sharia-compliant health coverage
AED 2,600 – 4,600/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
4,927 providers
View details →Noor Takaful
Noor Enhanced Takaful Health
Corporate employees and families wanting Takaful enhanced cover
AED 5,500 – 11,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
4,927 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
4,784 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
4,784 providers
View details →Verdict
Choose Noor Takaful if you need a larger provider network. Choose Watania (ADNTC) if you prioritise lower entry-level premiums. 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.
Noor Takaful vs Watania (ADNTC) — FAQ
Which is better, Noor Takaful or Watania (ADNTC)?
It depends on your needs. Noor Takaful has 4,927 providers across 8 cities and offers 2 plans starting from AED 2,600/yr. Watania (ADNTC) has 4,784 providers across 8 cities with 2 plans from AED 2,200/yr. Choose Noor Takaful if you need a larger provider network. Choose Watania (ADNTC) if you prioritise lower entry-level premiums.
Is Noor Takaful cheaper than Watania (ADNTC)?
No, Watania (ADNTC)'s entry-level plan starts from AED 2,200/yr, while Noor Takaful's cheapest plan begins at AED 2,600/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.
Which has a bigger network in Dubai, Noor Takaful or Watania (ADNTC)?
Noor Takaful has a larger Dubai network with 2,715 providers, compared to Watania (ADNTC)'s 1,652 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does Noor Takaful or Watania (ADNTC) cover dental?
Both insurers offer dental coverage on their enhanced and premium plans. Noor Takaful'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 Noor Takaful 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 Noor Takaful 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 Noor Takaful and Watania (ADNTC) have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Noor Takaful and Watania (ADNTC) plans?
Use the UAE Health Insurance Navigator on this page to compare Noor Takaful and Watania (ADNTC) side-by-side. Key factors to compare: (1) Annual premium — Noor Takaful starts from AED 2,600/yr, Watania (ADNTC) from AED 2,200/yr, (2) Network size — 4,927 vs 4,784 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 Noor Takaful and Watania (ADNTC) or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory.