ADNIC vs Al Dhafra Insurance
UAE Health Insurance Comparison 2026
ADNIC
private8,447 providers
2 plans
Est. 1972
HAAD, DHA, MOHAP regulated
Al Dhafra Insurance
private3,288 providers
2 plans
Est. 1979
HAAD regulated
ADNIC has 2 plans starting from AED 2,500/yr with 8,447 providers across 8 cities. Al Dhafra Insurance has 2 plans starting from AED 2,000/yr with 3,288 providers across 8 cities. ADNIC is strongest in Dubai while Al Dhafra Insurance has the most providers in Abu Dhabi.
ADNIC vs Al Dhafra Insurance — At a Glance
| Attribute | ADNIC | Al Dhafra Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1972 | 1979 |
| Headquarters | Abu Dhabi | Abu Dhabi |
| Regulators | HAAD, DHA, MOHAP | HAAD |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 11,000 | AED 2,000 – 9,000 |
| Total Network Size | 8,447 | 3,288 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | No |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 800-23642 | 02-622-2212 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | ADNIC | vs | Al Dhafra Insurance |
|---|---|---|---|
| Dubai | 3,744 | vs | 1,147 |
| Abu Dhabi | 2,340 | vs | 1,305 |
| Sharjah | 983 | vs | 273 |
| Al Ain | 762 | vs | 327 |
| Ajman | 273 | vs | 97 |
| Ras Al Khaimah | 202 | vs | 88 |
| Fujairah | 110 | vs | 40 |
| Umm Al Quwain | 33 | vs | 11 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
ADNIC 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
8,447 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
8,447 providers
View details →Al Dhafra Insurance Plans
Al Dhafra Insurance
Al Dhafra Basic Health
Employees in Abu Dhabi and Western Region
AED 2,000 – 3,800/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
3,288 providers
View details →Al Dhafra Insurance
Al Dhafra Enhanced Health
Corporate employees and families in Abu Dhabi
AED 4,500 – 9,000/yr
Annual limit: AED 400,000 · semi-private room · 20% co-pay
3,288 providers
View details →Verdict
Choose ADNIC if you need a larger provider network, more comprehensive coverage options. Choose Al Dhafra Insurance if you prioritise lower entry-level premiums. Both are established insurers in the UAE market. The best choice depends on your employer's plan options, budget, required coverage, and preferred hospital network in your city.
ADNIC vs Al Dhafra Insurance — FAQ
Related Comparisons
Disclaimer: Plan details, premiums, and network sizes are indicative, based on publicly available UAE insurance market data. Obtain personalised quotes from ADNIC and Al Dhafra Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.