Question 1

Which is better, Takaful Emarat or Watania (ADNTC)?

Accepted Answer

It depends on your needs. Takaful Emarat has 8,040 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 Takaful Emarat if you need a larger provider network. Choose Watania (ADNTC) if you prioritise lower entry-level premiums.

Question 2

Is Takaful Emarat cheaper than Watania (ADNTC)?

Accepted Answer

No, Watania (ADNTC)'s entry-level plan starts from AED 2,200/yr, while Takaful Emarat'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, Takaful Emarat or Watania (ADNTC)?

Accepted Answer

Takaful Emarat has a larger Dubai network with 4,174 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 Takaful Emarat or Watania (ADNTC) cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. Takaful Emarat's dental sub-limit goes up to AED 3,500/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 Takaful Emarat 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 Takaful Emarat 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 Takaful Emarat and Watania (ADNTC) have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Takaful Emarat and Watania (ADNTC) plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Takaful Emarat and Watania (ADNTC) side-by-side. Key factors to compare: (1) Annual premium — Takaful Emarat starts from AED 2,500/yr, Watania (ADNTC) from AED 2,200/yr, (2) Network size — 8,040 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	Takaful Emarat	Watania (ADNTC)
Type	private	private
Founded	2008	2011
Headquarters	Dubai	Abu Dhabi
Regulators	DHA, HAAD, MOHAP	HAAD, MOHAP
Number of Plans	2	2
Premium Range	AED 2,500 – 12,000	AED 2,200 – 10,000
Total Network Size	8,040	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	800-825235	800-928264

City	Takaful Emarat	vs	Watania (ADNTC)
Dubai	4,174	vs	1,716
Abu Dhabi	1,628	vs	1,750
Sharjah	1,238	vs	639
Al Ain	332	vs	479
Ajman	411	vs	156
Ras Al Khaimah	160	vs	89
Fujairah	74	vs	66
Umm Al Quwain	23	vs	19

Takaful Emarat vs Watania (ADNTC)

Takaful Emarat

Watania (ADNTC)

Takaful Emarat vs Watania (ADNTC) — At a Glance

Network Comparison by City

Takaful Emarat Plans

Takaful Emarat Basic Takaful

Takaful Emarat Enhanced Takaful

Watania (ADNTC) Plans

Watania Basic Takaful

Watania Enhanced Takaful

Verdict

Takaful Emarat vs Watania (ADNTC) — FAQ

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