ADNIC vs Fidelity United Insurance
UAE Health Insurance Comparison 2026
ADNIC
private978 providers
2 plans
Est. 1972
DOH, DHA, MOHAP regulated
Fidelity United Insurance
private679 providers
2 plans
Est. 1976
DHA regulated
ADNIC has 2 plans from AED 2,500 a year and 978 in-network providers in 8 cities. Fidelity United Insurance has 2 plans from AED 2,300 a year and 679 in-network providers in 7 cities. Both insurers have the most providers in Dubai. Network counts are providers in the UAE Open Healthcare Directory that list each insurer; premiums are indicative.
ADNIC vs Fidelity United Insurance — At a Glance
| Attribute | ADNIC | Fidelity United Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1972 | 1976 |
| Headquarters | Abu Dhabi | Dubai |
| Regulators | DOH, DHA, MOHAP | DHA |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 11,000 | AED 2,300 – 10,500 |
| Total Network Size | 978 | 679 |
| Cities Covered | 8 | 7 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Phone (from the insurer's website) | 800 8040 | 800 842 |
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 | Fidelity United Insurance |
|---|---|---|---|
| Dubai | 411 | vs | 356 |
| Abu Dhabi | 286 | vs | 140 |
| Sharjah | 130 | vs | 124 |
| Al Ain | 81 | vs | 0 |
| Ajman | 37 | vs | 33 |
| Ras Al Khaimah | 13 | vs | 19 |
| Fujairah | 14 | vs | 4 |
| Umm Al Quwain | 6 | vs | 3 |
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
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 →Fidelity United Insurance Plans
Fidelity United Insurance
Fidelity Basic Health
Small businesses in Dubai who need the mandatory cover
AED 2,300 – 4,200/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
679 providers
View details →Fidelity United Insurance
Fidelity Corporate Health
Corporate employees in Dubai
AED 5,000 – 10,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
679 providers
View details →Verdict
Choose ADNIC if you need a larger provider network, presence in 8 cities. Choose Fidelity United 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 Fidelity United Insurance — FAQ
Which is better, ADNIC or Fidelity United Insurance?
It depends on your needs. ADNIC has 978 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. Fidelity United Insurance has 679 providers across 7 cities with 2 plans from AED 2,300/yr. Choose ADNIC if you need a larger provider network, presence in 8 cities. Choose Fidelity United Insurance if you prioritise lower entry-level premiums.
Is ADNIC cheaper than Fidelity United Insurance?
No, Fidelity United Insurance's entry-level plan starts from AED 2,300/yr, while ADNIC's cheapest plan begins at AED 2,500/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.
Which has a bigger network in Dubai, ADNIC or Fidelity United Insurance?
ADNIC has a larger Dubai network with 411 providers, compared to Fidelity United Insurance's 356 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does ADNIC or Fidelity United Insurance cover dental?
Both insurers offer dental coverage on their enhanced and premium plans. ADNIC's dental sub-limit goes up to AED 3,000/yr, while Fidelity United Insurance offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from ADNIC to Fidelity United Insurance?
Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from ADNIC to Fidelity United Insurance (or vice versa), be aware of: (1) Pre-existing condition waiting periods may restart — check the new insurer's policy, (2) Maternity waiting periods usually reset, (3) Any ongoing treatment authorisations need to be re-submitted. Coordinate with your employer's HR department if on a group plan. Both ADNIC and Fidelity United Insurance have dedicated claims and onboarding teams to facilitate the transition.
How do I compare ADNIC and Fidelity United Insurance plans?
Use the UAE Health Insurance Navigator on this page to compare ADNIC and Fidelity United Insurance side-by-side. Key factors to compare: (1) Annual premium — ADNIC starts from AED 2,500/yr, Fidelity United Insurance from AED 2,300/yr, (2) Network size — 978 vs 679 providers, (3) Coverage — dental, optical, maternity, and mental health inclusion, (4) Co-pay percentages, and (5) Provider availability in your city. Scroll down for the full comparison table.
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Disclaimer: Plan details, premiums, and network sizes are indicative, based on publicly available UAE insurance market data. Obtain personalised quotes from ADNIC and Fidelity United Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory.