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Watania International Holding

Watania International Holding PJSC (‘WIH’ or the ‘Company’, formerly known as Dar Al Takaful PJSC) is a listed entity trading on the Dubai Financial Market under the ticker WATANIA (previously DARALTAKAFUL). The Company obtained its commercial license on 23 July 2008 and commenced operations on 1 September 2008.

In 2020 Dar Al Takaful acquired Noor Takaful and in July 2022, the National Takaful Company (Watania) merged with Dar Al Takaful to create one of the largest Takaful entities in the UAE. In March 2023, the name of the holding company, Dar Al Takaful, was changed to Watania International Holding PJSC and its insurance license was cancelled as it became an investment holding company that aims to expand its footprint through sharia compliant investments in the Takaful and Takaful services sector.

Watania International Holding is the sole shareholder of two operating companies: Watania Takaful General (previously Noor Takaful General PJSC) and Watania Takaful Family (previously Noor Takaful Family PJSC).

Together, they create one of the leading Takaful providers in the UAE.


Our journey

Dar Al Takaful (DAT), established as an Islamic insurance company providing Shari'a compliant takaful solutions for personal and business needs
Noor Takaful launched as two operating entities (Noor Takaful and Noor Family); abiding by 2007 law to separate life and non-life products
• National Takaful Co. (Watania Takaful) founded by 4 institutional investors
• Floated 55% of shares on ADX in a seven times oversubscribed IPO
Dar Al Takaful acquires 100% of Noor Takaful - significant potential synergies join to create a strong platform to support organic growth of a new entity
DAT and Watania merger creates Watania International Holding as one of the leading national takaful providers in the UAE with a truly national presence

Leading Takaful operators in the UAE

Watania Takaful General

Motor Takaful
Provide affordable, flexible and value-packed takaful policies that helpcustomers drive with peace of mind
General Takaful
Provide employees of SMEs in securing themselves in Home, Travel, Marine and Personal accidents

Watania Takaful Family

Life Takaful
Flexible savings, investment, and income protection plans to hedge against different life uncertainties
Medical Takaful
Customised and flexible Medical Takaful plans that provides best medical care when in need

The two companies offer a range of Takaful products including motor, general, technical, medical, and family to both individuals and companies in the UAE. They have a truly national presence across the UAE and operate full-service offices located in Abu Dhabi, Sharjah, Deira and Jebel Ali.

Takaful Compliance

Shari'ah Supervisory Board

Watania Takaful General PJSC and Watania Takaful Family PJSC operate in accordance with the teachings of Islamic Shari'ah and within the provisions of UAE Federal Law No. 6 of 2007 relating to Takaful companies and Takaful agents and the Memorandum and Articles of Association of the companies. Their business operations are conducted with an oversight by an Islamic Shari’ah Supervision Committee (ISSC) comprising of leading Islamic scholars.  

Islamic Shari’ah Supervision Committee (ISSC)

Dr M. Abdul Rahim Sultan Al Olama
Sheikh Esam Muhammad Ishaq
Vice Chairman
Sheikh Dr. Ahmed Bin Abdulaziz Al Haddad

Our values guide our actions

Share the feelings of others
We are a Takaful business that is based on Solidarity. We consider our Policyholders perspective first in everything we do.
Do what is right, always
We always do what is right. We respect the trust placed on us, and our commitment to honesty and transparency always comes first.
Always respond, not react
Our clients deserve listening, understanding, and responsible action. We are solutions driven.
Stay in the moment
We strive for simplicity in all things: products, processes, and relationships. It makes our work efficient, and relationships meaningful.