Thiqa vs Watania (ADNTC)
UAE Health Insurance Comparison 2026
Thiqa
premium8,241 providers
1 plan
Est. 2005
HAAD regulated
Watania (ADNTC)
private4,914 providers
2 plans
Est. 2011
HAAD, MOHAP regulated
Thiqa has 1 plan starting from AED 0/yr with 8,241 providers across 8 cities. Watania (ADNTC) has 2 plans starting from AED 2,200/yr with 4,914 providers across 8 cities. Thiqa is strongest in Dubai while Watania (ADNTC) has the most providers in Abu Dhabi.
Thiqa vs Watania (ADNTC) — At a Glance
| Attribute | Thiqa | Watania (ADNTC) |
|---|---|---|
| Type | premium | private |
| Founded | 2005 | 2011 |
| Headquarters | Abu Dhabi | Abu Dhabi |
| Regulators | HAAD | HAAD, MOHAP |
| Number of Plans | 1 | 2 |
| Premium Range | AED 0 – 0 | AED 2,200 – 10,000 |
| Total Network Size | 8,241 | 4,914 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | Yes | No |
| Co-pay Range | 0% | 20% |
| Claims Phone | 800-42626 | 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 | Thiqa | vs | Watania (ADNTC) |
|---|---|---|---|
| Dubai | 3,226 | vs | 1,716 |
| Abu Dhabi | 2,483 | vs | 1,750 |
| Sharjah | 928 | vs | 639 |
| Al Ain | 821 | vs | 479 |
| Ajman | 324 | vs | 156 |
| Ras Al Khaimah | 241 | vs | 89 |
| Fujairah | 171 | vs | 66 |
| Umm Al Quwain | 47 | vs | 19 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Thiqa Plans
Thiqa
Thiqa
UAE nationals and their dependants in Abu Dhabi
Government-funded
Annual limit: Unlimited · private room · 0% co-pay
8,241 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 Thiqa if you need a larger provider network. Choose Watania (ADNTC) if you prioritise more plan tiers to choose from, 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.
Thiqa vs Watania (ADNTC) — FAQ
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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 Thiqa and Watania (ADNTC) or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.