شركة وطنية للتكافل
Founded: 2011
HQ: Abu Dhabi
Category: Takaful Company
Presence: UAE
National Takaful Company (Watania) is a UAE-based takaful company headquartered in Abu Dhabi, offering general takaful insurance solutions to retail, sme customers.
This page is an independent public reference guide prepared using publicly available information in the UAE. It is designed to help users understand National Takaful Company (Watania), its services, relevant support networks, and insurance-related pathways in the UAE.
| Full Legal Name | National Takaful Company (Watania) |
| Short Name / Trading Name | Watania Takaful |
| Arabic Name | شركة وطنية للتكافل |
| Year Established | 2011 |
| Headquarters | Abu Dhabi, UAE |
| Insurance Type | Takaful |
| Business Class | General Takaful |
| Lines of Business | Retail, SME |
| Regulators | CBUAE |
| Listing Status | ADX Listed |
| Available on eSanad | Yes |
National Takaful Company (Watania) (Watania Takaful) is a takaful insurance company established in 2011 and headquartered in Abu Dhabi. It operates as a general takaful insurer licensed by the Central Bank of the UAE.
Watania Takaful provides general takaful insurance products including motor, health and travel insurance for individuals and group medical, property and commercial lines for businesses.
Watania Takaful operates across the UAE with a focus on Abu Dhabi-based operations and serves retail, sme insurance segments.
The company's primary customer segments are: Retail, SME.
Products offered by Watania Takaful available through eSanad.
Comprehensive and third-party motor policies for private vehicles underwritten by Watania Takaful.
Individuals seeking vehicle coverage in the UAE.Individual and family health plans available through Watania Takaful in the UAE.
Residents requiring UAE-compliant health coverage.Single and multi-trip travel cover offered by Watania Takaful.
UAE residents travelling domestically and internationally.Contents and structural protection for UAE residences.
Tenants and homeowners protecting their property.Employer-sponsored group health plans underwritten by Watania Takaful.
Companies fulfilling UAE health insurance obligations for employees.Fleet vehicle policies for businesses with multiple vehicles.
Companies managing car fleets or logistics operations.Commercial property and asset coverage for businesses.
Businesses protecting offices, warehouses and assets.Liability protection for professional service providers.
Consultants, engineers and service firms.Watania Takaful is licensed and regulated by the Central Bank of the UAE, ensuring compliance with all UAE insurance regulations.
Offers a general takaful range of insurance products suitable for retail and sme customers.
Established in 2011, Watania Takaful has decades of experience operating within the UAE insurance market.
Headquartered in Abu Dhabi, Watania Takaful maintains a strong local presence and service capability.
Ensure all parties are safe. Move vehicles off the road if possible. Call the police if there are injuries or major damage.
Third-Party Administrators (TPAs) manage medical claims, authorisations and hospital network access on behalf of Watania Takaful policyholders.
Leading UAE TPA for medical claims and network administration.
Regional TPA providing claims management and pre-authorisation services.
Watania Takaful maintains a network of approved garages across the UAE that are authorised to assess and repair vehicles under insurance claims. Using an approved garage ensures quality standards and direct billing to the insurer.
The following are official regulatory and market bodies relevant to National Takaful Company (Watania).
Neutral guidance to help you evaluate whether Watania Takaful is the right fit for your insurance needs.
Review policy exclusions carefully. Common exclusions include pre-existing conditions, wear and tear, and certain high-risk activities. Ensure coverage limits match your needs.
Check whether your preferred hospitals and clinics are within the insurer's approved network. A broader network means fewer out-of-pocket expenses.
Understand how claims are submitted, what documentation is required, and the typical processing time. A straightforward claims process can make a significant difference.
For motor insurance, verify that approved garages are conveniently located for you. Ask whether agency repairs are included in your policy.
Confirm which TPA administers your medical claims. The quality and responsiveness of the TPA directly affects your day-to-day experience with medical coverage.
The lowest premium is not always the best value. Compare coverage scope, excess amounts and sub-limits before deciding based on price alone.
Read the policy wording thoroughly. Clear, straightforward policy documents are a sign of a transparent insurer. Seek clarification on anything ambiguous before purchasing.
Yes. National Takaful Company (Watania) is licensed and regulated by the Central Bank of the UAE (CBUAE), which is the primary insurance supervisory authority for all insurers operating in the UAE.
Yes. Watania Takaful products are available through eSanad. You can compare and request quotes directly on the platform.
To report a claim, contact Watania Takaful directly or use eSanad's claims assistance service. Gather your policy number, incident details and supporting documents before making contact.
National Takaful Company (Watania) is headquartered in Abu Dhabi, UAE, and was established in 2011.
Our team of UAE insurance experts are ready to help you compare, advise and support you through every step.