Takaful Emarat vs Watania (ADNTC)
UAE Health Insurance Comparison 2026
Takaful Emarat
private7,943 providers
2 plans
Est. 2008
DHA, HAAD, MOHAP regulated
Watania (ADNTC)
private4,870 providers
2 plans
Est. 2011
HAAD, MOHAP regulated
Takaful Emarat has 2 plans starting from AED 2,500/yr with 7,943 providers across 8 cities. Watania (ADNTC) has 2 plans starting from AED 2,200/yr with 4,870 providers across 8 cities. Takaful Emarat is strongest in Dubai while Watania (ADNTC) has the most providers in Abu Dhabi.
Takaful Emarat vs Watania (ADNTC) — At a Glance
| 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 | 7,943 | 4,870 |
| 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 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | Takaful Emarat | vs | Watania (ADNTC) |
|---|---|---|---|
| Dubai | 4,104 | vs | 1,691 |
| Abu Dhabi | 1,626 | vs | 1,749 |
| Sharjah | 1,232 | vs | 633 |
| Al Ain | 328 | vs | 472 |
| Ajman | 405 | vs | 156 |
| Ras Al Khaimah | 152 | vs | 87 |
| Fujairah | 73 | vs | 64 |
| Umm Al Quwain | 23 | vs | 18 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Takaful Emarat Plans
Takaful Emarat
Takaful Emarat Basic Takaful
Employers seeking Sharia-compliant mandatory health coverage
AED 2,500 – 4,800/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
7,943 providers
View details →Takaful Emarat
Takaful Emarat Enhanced Takaful
Corporate employees and families wanting Sharia-compliant enhanced cover
AED 5,500 – 12,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
7,943 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
4,870 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
4,870 providers
View details →Verdict
Choose Takaful Emarat 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.
Takaful Emarat vs Watania (ADNTC) — FAQ
Which is better, Takaful Emarat or Watania (ADNTC)?
It depends on your needs. Takaful Emarat has 7,943 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. Watania (ADNTC) has 4,870 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.
Is Takaful Emarat cheaper than Watania (ADNTC)?
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.
Which has a bigger network in Dubai, Takaful Emarat or Watania (ADNTC)?
Takaful Emarat has a larger Dubai network with 4,104 providers, compared to Watania (ADNTC)'s 1,691 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does Takaful Emarat or Watania (ADNTC) cover dental?
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.
Can I switch from Takaful Emarat 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 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.
How do I compare Takaful Emarat and Watania (ADNTC) plans?
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 — 7,943 vs 4,870 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.
Related Comparisons
Disclaimer: Plan details, premiums, and network sizes are indicative, based on publicly available UAE insurance market data. Obtain personalised quotes from Takaful Emarat and Watania (ADNTC) or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.