UAE insurer profile
ADNIC
Est. 1972 · Abu Dhabi · HAAD, DHA, MOHAP regulated
Abu Dhabi National Insurance Company — one of the largest UAE-based insurers. ADNIC offers 2 health insurance plans in the UAE, accepted by 8,341 healthcare providers across 8 cities. Data cross-referenced with the UAE Open Healthcare Directory.
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
8,341 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
8,341 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. Present your ADNIC insurance card at any in-network provider. The clinic or hospital bills ADNIC 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 adnic.ae or call 800-23642. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact ADNIC at least 48 hours in advance.
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View plansEditorial Top-N
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?
ADNIC offers 2 health insurance plans in the UAE: ADNIC Basic Health, ADNIC Enhanced Health. Plans range from AED 2,500 – 4,500/yr to AED 5,500 – 11,000/yr annually.
How many healthcare providers accept ADNIC insurance?
According to the UAE Open Healthcare Directory, 8,341 healthcare providers across 8 UAE cities accept ADNIC insurance. This includes hospitals, clinics, dental practices, and specialist centers.
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 the UAE healthcare regulator or HAAD compliant?
ADNIC is regulated by HAAD and DHA and MOHAP. The UAE healthcare regulator (Dubai) compliance means all plans meet the Essential Benefits Package required for Dubai residents and workers. Additionally, Health Authority Abu Dhabi (HAAD/DoH) oversight ensures plans meet Abu Dhabi's mandatory Thiqa and basic scheme requirements. the UAE healthcare regulator registration applies for the Northern Emirates.
How do I file a claim with ADNIC?
To file a claim with ADNIC, call their claims line at 800-23642. For direct billing, simply present your ADNIC insurance card at any in-network provider — the clinic or hospital settles directly with the insurer. For reimbursement claims (out-of-network or emergency), submit itemised invoices, a completed claim form, and your doctor's report within 90 days of treatment via adnic.ae or by post to their Abu Dhabi office.
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.
Does ADNIC have a mobile app for claims?
ADNIC offers digital claims submission through their member portal at adnic.ae. Most major UAE insurers, including ADNIC, provide a mobile app or online portal where members can submit reimbursement claims, view policy documents, check coverage limits, find in-network providers, and download tax invoices. Download the ADNIC app from the App Store or Google Play, or log in via their website to access self-service claim tools.
Disclaimer. Plan details and premiums are indicative. Obtain a personalised quote from ADNIC or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.