Question 1

Which is better, ADNIC or Noor Takaful?

Accepted Answer

It depends on your needs. ADNIC has 8,447 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. Noor Takaful has 5,097 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.

Question 2

Is ADNIC cheaper than Noor Takaful?

Accepted Answer

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.

Question 3

Which has a bigger network in Dubai, ADNIC or Noor Takaful?

Accepted Answer

ADNIC has a larger Dubai network with 3,744 providers, compared to Noor Takaful's 2,831 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does ADNIC or Noor Takaful cover dental?

Accepted Answer

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.

Question 5

Can I switch from ADNIC to Noor Takaful?

Accepted Answer

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.

Question 6

How do I compare ADNIC and Noor Takaful plans?

Accepted Answer

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 — 8,447 vs 5,097 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.

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	8,447	5,097
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

City	ADNIC	vs	Noor Takaful
Dubai	3,744	vs	2,831
Abu Dhabi	2,340	vs	991
Sharjah	983	vs	757
Al Ain	762	vs	206
Ajman	273	vs	136
Ras Al Khaimah	202	vs	95
Fujairah	110	vs	66
Umm Al Quwain	33	vs	15

ADNIC vs Noor Takaful

ADNIC

Noor Takaful

ADNIC vs Noor Takaful — At a Glance

Network Comparison by City

ADNIC Plans

ADNIC Basic Health

ADNIC Enhanced Health

Noor Takaful Plans

Noor Basic Takaful Health

Noor Enhanced Takaful Health

Verdict

ADNIC vs Noor Takaful — FAQ

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