ADNIC vs Now Health International
UAE Health Insurance Comparison 2026
ADNIC
private8,341 providers
2 plans
Est. 1972
HAAD, DHA, MOHAP regulated
Now Health International
private3,418 providers
2 plans
Est. 2011
DHA, HAAD regulated
ADNIC has 2 plans starting from AED 2,500/yr with 8,341 providers across 8 cities. Now Health International has 2 plans starting from AED 5,500/yr with 3,418 providers across 8 cities. Both insurers have their strongest presence in Dubai.
ADNIC vs Now Health International — At a Glance
| Attribute | ADNIC | Now Health International |
|---|---|---|
| Type | private | private |
| Founded | 1972 | 2011 |
| Headquarters | Abu Dhabi | Dubai |
| Regulators | HAAD, DHA, MOHAP | DHA, HAAD |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 11,000 | AED 5,500 – 28,000 |
| Total Network Size | 8,341 | 3,418 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | No | Yes |
| Co-pay Range | 20% | 0% – 20% |
| Claims Phone | 800-23642 | 800-669 |
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 | Now Health International |
|---|---|---|---|
| Dubai | 3,676 | vs | 2,455 |
| Abu Dhabi | 2,338 | vs | 394 |
| Sharjah | 977 | vs | 258 |
| Al Ain | 747 | vs | 122 |
| Ajman | 270 | vs | 94 |
| Ras Al Khaimah | 191 | vs | 49 |
| Fujairah | 110 | vs | 37 |
| Umm Al Quwain | 32 | vs | 9 |
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 →Now Health International Plans
Now Health International
Now Health WorldCare Essential
Expat professionals and freelancers seeking modular coverage
AED 5,500 – 10,000/yr
Annual limit: AED 750,000 · semi-private room · 20% co-pay
3,418 providers
View details →Now Health International
Now Health WorldCare Prestige
Executives and families wanting comprehensive worldwide cover
AED 14,000 – 28,000/yr
Annual limit: AED 1.5M · private room · 0% co-pay
3,418 providers
View details →Verdict
Choose ADNIC if you need a larger provider network, lower entry-level premiums. Choose Now Health International 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 Now Health International — FAQ
Which is better, ADNIC or Now Health International?
It depends on your needs. ADNIC has 8,341 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. Now Health International has 3,418 providers across 8 cities with 2 plans from AED 5,500/yr. Choose ADNIC if you need a larger provider network, lower entry-level premiums. Choose Now Health International if you prioritise more comprehensive coverage options.
Is ADNIC cheaper than Now Health International?
Yes, ADNIC's entry-level plan starts from AED 2,500/yr, compared to Now Health International's cheapest plan at AED 5,500/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 Now Health International?
ADNIC has a larger Dubai network with 3,676 providers, compared to Now Health International's 2,455 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does ADNIC or Now Health International 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 Now Health International offers up to AED 7,500/yr. Basic plans from both insurers typically exclude dental.
Can I switch from ADNIC to Now Health International?
Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from ADNIC to Now Health International (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 Now Health International have dedicated claims and onboarding teams to facilitate the transition.
How do I compare ADNIC and Now Health International plans?
Use the UAE Health Insurance Navigator on this page to compare ADNIC and Now Health International side-by-side. Key factors to compare: (1) Annual premium — ADNIC starts from AED 2,500/yr, Now Health International from AED 5,500/yr, (2) Network size — 8,341 vs 3,418 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 Now Health International or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.