Motor, health and life takaful. Two CBUAE-licensed entities under Watania International Holding PJSC. Offices in Abu Dhabi, Sharjah, Deira and Jebel Ali.
Watania Takaful operates through two separate CBUAE-licensed entities under Watania International Holding PJSC: Watania Takaful General PJSC for motor and health cover, and Watania Takaful Family PJSC for life (family) takaful. Members pay a contribution into a shared pool, not a premium to an insurer. Offices in Abu Dhabi, Sharjah, Deira and Jebel Ali. Any Shariah compliance claim rests on Watania's own Shariah board.
Lines of cover offered in the UAE, verified against the CBUAE register (11 Jun 2026). Contributions go into a shared takaful pool.
Third-party liability and comprehensive motor takaful under the UAE unified motor policy framework, operated through Watania Takaful General PJSC. Check the takaful certificate for excess and cover terms.
Individual and group health takaful plans via Watania Takaful General PJSC. Compare network, annual limit and co-payment before joining the pool.
Shariah-compliant life protection and savings takaful through Watania Takaful Family PJSC. Check contribution term, sum covered and surplus-handling terms in the takaful certificate.
| General entity | Watania Takaful General PJSC |
| Family entity | Watania Takaful Family PJSC |
| Holding company | Watania International Holding PJSC |
| Type | National takaful operator |
| CBUAE licence | Two licensed entities |
| Lines | Motor · Health · Family (life) takaful |
| Offices | Abu Dhabi · Sharjah · Deira · Jebel Ali |
| Website | watania.ae |
| Data verified | 11 Jun 2026 |
Sources: watania.ae and CBUAE licensed insurer register. Verified 11 Jun 2026. Shariah compliance rests on Watania's own Shariah board; not assessed by this site. Not affiliated with Watania Takaful.
Points specific to comparing this takaful operator.
Watania Takaful General PJSC and Watania Takaful Family PJSC are separate legal entities, each CBUAE-licensed. General covers motor and health; Family covers life takaful. Make sure you know which entity issues your takaful certificate.
Members pay a contribution into a shared pool. Watania manages the fund for a Wakalah fee. This is structurally different from conventional insurance. Compare contribution amounts and surplus terms when comparing with conventional options.
With offices in Abu Dhabi, Sharjah, Deira and Jebel Ali, Watania has a broad UAE presence. If you are based outside Abu Dhabi, confirm the nearest servicing office and check if claims can be handled remotely or online.
Watania Takaful General PJSC handles motor and health takaful. Watania Takaful Family PJSC handles life (family) takaful. They are separate CBUAE-licensed legal entities under the same Watania International Holding PJSC parent. Your takaful certificate will name which entity issued your cover.
Yes. Watania Takaful General PJSC offers both third-party liability and comprehensive motor takaful. Cover follows the UAE unified motor policy framework. The structure is takaful: you pay a contribution into a shared pool rather than a premium to an insurer.
Watania Takaful has offices in Abu Dhabi, Sharjah, Deira and Jebel Ali. Check watania.ae for current branch locations and contact details.
If the takaful pool generates an underwriting surplus after paying claims and the operator's Wakalah fee, that surplus is handled according to the fund's rules and Watania's Shariah board guidance. Whether and how surplus is distributed depends on the specific scheme and annual fund performance. Check the product documentation for exact terms.
See how Watania Takaful's motor, health and life cover stands alongside other CBUAE-licensed takaful operators and conventional insurers. Independent comparison.
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