Question 1

Which is better, ADNIC or Salama Islamic Insurance?

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. Salama Islamic Insurance has 5,843 providers across 8 cities with 2 plans from AED 2,500/yr. Choose ADNIC if you need a larger provider network. Choose Salama Islamic Insurance if you prioritise more comprehensive coverage options.

Question 2

Is ADNIC cheaper than Salama Islamic Insurance?

Accepted Answer

Both ADNIC and Salama Islamic Insurance have entry-level plans starting from AED 2,500/yr. However, pricing varies by age, nationality, visa type, and employer. Compare enhanced and premium tiers for a full picture, and always obtain personalised quotes.

Question 3

Which has a bigger network in Dubai, ADNIC or Salama Islamic Insurance?

Accepted Answer

ADNIC has a larger Dubai network with 3,744 providers, compared to Salama Islamic Insurance's 3,163 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does ADNIC or Salama Islamic Insurance 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 Salama Islamic Insurance offers up to AED 4,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from ADNIC to Salama Islamic Insurance?

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 Salama Islamic 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 Salama Islamic Insurance have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare ADNIC and Salama Islamic Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare ADNIC and Salama Islamic Insurance side-by-side. Key factors to compare: (1) Annual premium — ADNIC starts from AED 2,500/yr, Salama Islamic Insurance from AED 2,500/yr, (2) Network size — 8,447 vs 5,843 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	Salama Islamic Insurance
Type	private	private
Founded	1972	1979
Headquarters	Abu Dhabi	Dubai
Regulators	HAAD, DHA, MOHAP	DHA, HAAD, MOHAP
Number of Plans	2	2
Premium Range	AED 2,500 – 11,000	AED 2,500 – 13,000
Total Network Size	8,447	5,843
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	800-72526

City	ADNIC	vs	Salama Islamic Insurance
Dubai	3,744	vs	3,163
Abu Dhabi	2,340	vs	1,213
Sharjah	983	vs	894
Al Ain	762	vs	235
Ajman	273	vs	140
Ras Al Khaimah	202	vs	108
Fujairah	110	vs	66
Umm Al Quwain	33	vs	24

ADNIC vs Salama Islamic Insurance

ADNIC

Salama Islamic Insurance

ADNIC vs Salama Islamic Insurance — At a Glance

Network Comparison by City

ADNIC Plans

ADNIC Basic Health

ADNIC Enhanced Health

Salama Islamic Insurance Plans

Salama Basic Takaful Health

Salama Enhanced Takaful Health

Verdict

ADNIC vs Salama Islamic Insurance — FAQ

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