UAE insurer profile
ADNIC
Est. 1972 · Abu Dhabi · DOH, DHA, MOHAP regulated
978 healthcare providers in 8 UAE cities list ADNIC as an accepted insurer in the UAE Open Healthcare Directory. The plan tiers and premiums below are indicative figures compiled by Zavis, not ADNIC's published plan list or prices: confirm cover and price with ADNIC or an authorised broker. Source of the network counts: ADNIC (hospital network search on adnic.ae), published UAE network list (read 2 November 2026), matched to Zavis listings in November 2026. How Zavis sources data.
At a glance
Key facts.
- Abu Dhabi National Insurance Company — one of the largest UAE-based insurers
- Strong Abu Dhabi and Northern Emirates presence
- Publicly listed on Abu Dhabi Securities Exchange
- Offers Sharia-compliant (Takaful) health plans
Coverage matrix
Coverage at a glance.
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| ADNIC Basic Health | Basic | AED 2,500 – 4,500/yr | AED 250,000 | 20% | — | — |
| ADNIC Enhanced Health | Enhanced | AED 5,500 – 11,000/yr | AED 500,000 | 20% | ✓ | ✓ |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Plan catalogue
Insurance plans.
ADNIC
ADNIC Basic Health
Employees in Abu Dhabi and Northern Emirates meeting mandatory requirements
AED 2,500 – 4,500/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
978 providers
View details →ADNIC
ADNIC Enhanced Health
Corporate employees with enhanced coverage needs
AED 5,500 – 11,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
978 providers
View details →Who accepts this
Provider network.
Providers by City
Top Specialties in Network
The claims flow
How claims work with ADNIC.
Direct billing. Show your ADNIC insurance card at a provider in your plan's network. The provider bills ADNIC directly, and you pay your share of the bill as your plan's table of benefits states.
Reimbursement claims. For treatment outside the network, keep the itemised invoices and medical reports, and submit them as adnic.ae describes. Your policy states the deadline for claims and which treatments need approval in advance. ADNIC's website gives 800 8040 (customer service).
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Top clinics accepting ADNIC.
Curated rankings by city and specialty — all providers accepting ADNIC insurance, ranked by patient ratings.
Compare ADNIC with other insurers
Side-by-side plan comparison across all 38 UAE insurers
Questions
About ADNIC.
ADNIC Insurance — FAQ
What health insurance plans does ADNIC offer in the UAE?
This page summarises 2 indicative ADNIC plan tiers compiled by Zavis (ADNIC Basic Health, ADNIC Enhanced Health), with indicative annual premiums from AED 2,500 – 4,500/yr to AED 5,500 – 11,000/yr. They are not ADNIC's published plan list or prices, so ask ADNIC or an authorised broker for its current plans and a quote.
How many healthcare providers accept ADNIC insurance?
978 healthcare providers in 8 UAE cities list ADNIC 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 ADNIC cover dental and maternity?
Dental and maternity coverage depends on the plan tier. Yes, ADNIC's enhanced and premium plans include dental coverage. Maternity is covered with waiting periods ranging from 10 to 12 months.
Is ADNIC compliant with Dubai and Abu Dhabi health insurance rules?
ADNIC is regulated by DOH and DHA and MOHAP. Its plans sold in Dubai must meet the Essential Benefits Package required for Dubai residents and workers. 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 ADNIC?
First ask the clinic or hospital whether it bills ADNIC directly: in your plan's network you show your insurance card and pay only your share of the bill. For a reimbursement claim, follow the claim steps on adnic.ae; your policy states what to send and the deadline. ADNIC's website gives 800 8040 (customer service).
What is the cheapest ADNIC plan?
The most affordable ADNIC plan is the ADNIC Basic Health (Basic tier), starting from AED 2,500 – 4,500/yr annually. It covers inpatient, outpatient, maternity with a 20% outpatient co-pay and an annual limit of AED 250,000.
Disclaimer. Plan details and premiums are indicative. Obtain a personalised quote from ADNIC or an authorised broker. Provider network counts come from the insurance lists on UAE Open Healthcare Directory listings.