UAE insurer profile
Al Wathba National Insurance
Est. 1996 · Abu Dhabi · HAAD regulated
Abu Dhabi-focused insurer with growing Northern Emirates presence. Al Wathba National Insurance offers 2 health insurance plans in the UAE, accepted by 0 healthcare providers across 0 cities. Data cross-referenced with the UAE Open Healthcare Directory.
At a glance
Key facts.
- Abu Dhabi-focused insurer with growing Northern Emirates presence
- Part of a wider Abu Dhabi-based financial services group
- Known for competitive HAAD-compliant health plans
- Focus on SME and mid-market corporate clients
Coverage matrix
Coverage at a glance.
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| Al Wathba Basic Health | Basic | AED 2,100 – 3,800/yr | AED 200,000 | 20% | — | — |
| Al Wathba Enhanced Health | Enhanced | AED 4,500 – 9,500/yr | AED 400,000 | 20% | ✓ | ✓ |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Plan catalogue
Insurance plans.
Al Wathba National Insurance
Al Wathba Basic Health
SMEs and employees in Abu Dhabi meeting HAAD requirements
AED 2,100 – 3,800/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
0 providers
View details →Al Wathba National Insurance
Al Wathba Enhanced Health
Corporate employees and families in Abu Dhabi
AED 4,500 – 9,500/yr
Annual limit: AED 400,000 · semi-private room · 20% co-pay
0 providers
View details →The claims flow
How claims work with Al Wathba National Insurance.
Direct billing. Present your Al Wathba National Insurance insurance card at any in-network provider. The clinic or hospital bills Al Wathba National Insurance 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 awnic.ae or call 800-29642. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact Al Wathba National Insurance at least 48 hours in advance.
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Questions
About Al Wathba National Insurance.
Al Wathba National Insurance Insurance — FAQ
Disclaimer. Plan details and premiums are indicative. Obtain a personalised quote from Al Wathba National Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.