ADNIC vs Noor Takaful
UAE Health Insurance Comparison 2026
ADNIC
private8,341 providers
2 plans
Est. 1972
HAAD, DHA, MOHAP regulated
Noor Takaful
private5,022 providers
2 plans
Est. 2009
DHA, HAAD regulated
ADNIC has 2 plans starting from AED 2,500/yr with 8,341 providers across 8 cities. Noor Takaful has 2 plans starting from AED 2,600/yr with 5,022 providers across 8 cities. Both insurers have their strongest presence in Dubai.
ADNIC vs Noor Takaful — At a Glance
| Attribute | ADNIC | Noor Takaful |
|---|---|---|
| Type | private | private |
| Founded | 1972 | 2009 |
| Headquarters | Abu Dhabi | Dubai |
| Regulators | HAAD, DHA, MOHAP | DHA, HAAD |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 11,000 | AED 2,600 – 11,000 |
| Total Network Size | 8,341 | 5,022 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 800-23642 | 800-6667 |
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 | Noor Takaful |
|---|---|---|---|
| Dubai | 3,676 | vs | 2,779 |
| Abu Dhabi | 2,338 | vs | 991 |
| Sharjah | 977 | vs | 748 |
| Al Ain | 747 | vs | 202 |
| Ajman | 270 | vs | 134 |
| Ras Al Khaimah | 191 | vs | 89 |
| Fujairah | 110 | vs | 64 |
| Umm Al Quwain | 32 | vs | 15 |
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
8,341 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 →Noor Takaful Plans
Noor Takaful
Noor Basic Takaful Health
SMEs in Dubai and Abu Dhabi seeking Sharia-compliant health coverage
AED 2,600 – 4,600/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
5,022 providers
View details →Noor Takaful
Noor Enhanced Takaful Health
Corporate employees and families wanting Takaful enhanced cover
AED 5,500 – 11,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
5,022 providers
View details →Verdict
Choose ADNIC if you need a larger provider network, lower entry-level premiums. Choose Noor Takaful if you prioritise more comprehensive coverage options. 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 Noor Takaful — FAQ
Which is better, ADNIC or Noor Takaful?
It depends on your needs. ADNIC has 8,341 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. Noor Takaful has 5,022 providers across 8 cities with 2 plans from AED 2,600/yr. Choose ADNIC if you need a larger provider network, lower entry-level premiums. Choose Noor Takaful if you prioritise more comprehensive coverage options.
Is ADNIC cheaper than Noor Takaful?
Yes, ADNIC's entry-level plan starts from AED 2,500/yr, compared to Noor Takaful's cheapest plan at AED 2,600/yr. However, plan pricing varies by age, nationality, visa type, and employer. Enhanced and premium tiers may differ. Always obtain a personalised quote from each insurer.
Which has a bigger network in Dubai, ADNIC or Noor Takaful?
ADNIC has a larger Dubai network with 3,676 providers, compared to Noor Takaful's 2,779 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does ADNIC or Noor Takaful 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 Noor Takaful offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from ADNIC to Noor Takaful?
Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from ADNIC to Noor Takaful (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 Noor Takaful have dedicated claims and onboarding teams to facilitate the transition.
How do I compare ADNIC and Noor Takaful plans?
Use the UAE Health Insurance Navigator on this page to compare ADNIC and Noor Takaful side-by-side. Key factors to compare: (1) Annual premium — ADNIC starts from AED 2,500/yr, Noor Takaful from AED 2,600/yr, (2) Network size — 8,341 vs 5,022 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 Noor Takaful or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.