UAE insurer profile
Watania (ADNTC)
Est. 2011 · Abu Dhabi · DOH, MOHAP regulated
4,785 healthcare providers in 8 UAE cities list Watania (ADNTC) as an accepted insurer in the UAE Open Healthcare Directory. The plan tiers and premiums below are indicative figures compiled by Zavis, not Watania (ADNTC)'s published plan list or prices: confirm cover and price with Watania (ADNTC) or an authorised broker. The network counts come from insurer lists on Zavis listings that are not yet confirmed against Watania (ADNTC)'s network list; confirm with Watania (ADNTC) before a visit. How Zavis sources data.
At a glance
Key facts.
- Abu Dhabi National Takaful Company — government-linked Takaful insurer
- Includes former Dar Al Takaful, which merged with Watania in 2022-2023
- Strong relationship with government entities and semi-government employers
- Growing family Takaful and group health book
Coverage matrix
Coverage at a glance.
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| Watania Basic Takaful | Basic | AED 2,200 – 4,000/yr | AED 200,000 | 20% | — | — |
| Watania Enhanced Takaful | Enhanced | AED 5,000 – 10,000/yr | AED 500,000 | 20% | ✓ | ✓ |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Plan catalogue
Insurance 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
4,785 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
4,785 providers
View details →Who accepts this
Provider network.
Providers by City
Top Specialties in Network
The claims flow
How claims work with Watania (ADNTC).
Direct billing. Present your Watania (ADNTC) insurance card at any in-network provider. The clinic or hospital bills Watania (ADNTC) directly — you pay only your applicable co-pay (20%–20% outpatient) at the point of care. No paperwork required.
Reimbursement claims. For out-of-network or emergency treatment, collect itemised invoices and medical reports, then submit via watania.ae or call 800-928264. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact Watania (ADNTC) at least 48 hours in advance.
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Questions
About Watania (ADNTC).
Watania (ADNTC) Insurance — FAQ
What health insurance plans does Watania (ADNTC) offer in the UAE?
This page summarises 2 indicative Watania (ADNTC) plan tiers compiled by Zavis (Watania Basic Takaful, Watania Enhanced Takaful), with indicative annual premiums from AED 2,200 – 4,000/yr to AED 5,000 – 10,000/yr. They are not Watania (ADNTC)'s published plan list or prices, so ask Watania (ADNTC) or an authorised broker for its current plans and a quote.
How many healthcare providers accept Watania (ADNTC) insurance?
4,785 healthcare providers in 8 UAE cities list Watania (ADNTC) as an accepted insurer in the UAE Open Healthcare Directory. Network counts come from the insurance lists on each listing, so confirm with the provider that your plan tier is accepted before you book.
Does Watania (ADNTC) cover dental and maternity?
Dental and maternity coverage depends on the plan tier. Yes, Watania (ADNTC)'s enhanced and premium plans include dental coverage. Maternity is covered with waiting periods ranging from 10 to 12 months.
Is Watania (ADNTC) compliant with Dubai and Abu Dhabi health insurance rules?
Watania (ADNTC) is regulated by DOH and MOHAP. Oversight in Abu Dhabi means its plans there must meet the emirate's mandatory Thiqa and basic scheme requirements. Federal registration covers its plans in the Northern Emirates.
How do I file a claim with Watania (ADNTC)?
To file a claim with Watania (ADNTC), call their claims line at 800-928264. For direct billing, simply present your Watania (ADNTC) insurance card at any in-network provider — the clinic or hospital settles directly with the insurer. For reimbursement claims (out-of-network or emergency), submit itemised invoices, a completed claim form, and your doctor's report within 90 days of treatment via watania.ae or by post to their Abu Dhabi office.
What is the cheapest Watania (ADNTC) plan?
The most affordable Watania (ADNTC) plan is the Watania Basic Takaful (Basic tier), starting from AED 2,200 – 4,000/yr annually. It covers inpatient, outpatient, maternity with a 20% outpatient co-pay and an annual limit of AED 200,000.
Does Watania (ADNTC) have a mobile app for claims?
Watania (ADNTC) offers digital claims submission through their member portal at watania.ae. Most major UAE insurers, including Watania (ADNTC), provide a mobile app or online portal where members can submit reimbursement claims, view policy documents, check coverage limits, find in-network providers, and download tax invoices. Download the Watania (ADNTC) app from the App Store or Google Play, or log in via their website to access self-service claim tools.
Disclaimer. Plan details and premiums are indicative. Obtain a personalised quote from Watania (ADNTC) or an authorised broker. Provider network counts come from the insurance lists on UAE Open Healthcare Directory listings.