ADNIC vs Takaful Emarat
UAE Health Insurance Comparison 2026
ADNIC
private8,341 providers
2 plans
Est. 1972
HAAD, DHA, MOHAP regulated
Takaful Emarat
private7,943 providers
2 plans
Est. 2008
DHA, HAAD, MOHAP regulated
ADNIC has 2 plans starting from AED 2,500/yr with 8,341 providers across 8 cities. Takaful Emarat has 2 plans starting from AED 2,500/yr with 7,943 providers across 8 cities. Both insurers have their strongest presence in Dubai.
ADNIC vs Takaful Emarat — At a Glance
| Attribute | ADNIC | Takaful Emarat |
|---|---|---|
| Type | private | private |
| Founded | 1972 | 2008 |
| 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 – 12,000 |
| Total Network Size | 8,341 | 7,943 |
| 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 | 800-825235 |
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 | Takaful Emarat |
|---|---|---|---|
| Dubai | 3,676 | vs | 4,104 |
| Abu Dhabi | 2,338 | vs | 1,626 |
| Sharjah | 977 | vs | 1,232 |
| Al Ain | 747 | vs | 328 |
| Ajman | 270 | vs | 405 |
| Ras Al Khaimah | 191 | vs | 152 |
| Fujairah | 110 | vs | 73 |
| Umm Al Quwain | 32 | vs | 23 |
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 →Takaful Emarat Plans
Takaful Emarat
Takaful Emarat Basic Takaful
Employers seeking Sharia-compliant mandatory health coverage
AED 2,500 – 4,800/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
7,943 providers
View details →Takaful Emarat
Takaful Emarat Enhanced Takaful
Corporate employees and families wanting Sharia-compliant enhanced cover
AED 5,500 – 12,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
7,943 providers
View details →Verdict
Choose ADNIC if you need a larger provider network. Choose Takaful Emarat 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 Takaful Emarat — FAQ
Which is better, ADNIC or Takaful Emarat?
It depends on your needs. ADNIC has 8,341 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. Takaful Emarat has 7,943 providers across 8 cities with 2 plans from AED 2,500/yr. Choose ADNIC if you need a larger provider network. Choose Takaful Emarat if you prioritise more comprehensive coverage options.
Is ADNIC cheaper than Takaful Emarat?
Both ADNIC and Takaful Emarat 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.
Which has a bigger network in Dubai, ADNIC or Takaful Emarat?
Takaful Emarat has a larger Dubai network with 4,104 providers, compared to ADNIC's 3,676 providers. Network sizes are based on the UAE Open Healthcare Directory data.
Does ADNIC or Takaful Emarat 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 Takaful Emarat offers up to AED 3,500/yr. Basic plans from both insurers typically exclude dental.
Can I switch from ADNIC to Takaful Emarat?
Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from ADNIC to Takaful Emarat (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 Takaful Emarat have dedicated claims and onboarding teams to facilitate the transition.
How do I compare ADNIC and Takaful Emarat plans?
Use the UAE Health Insurance Navigator on this page to compare ADNIC and Takaful Emarat side-by-side. Key factors to compare: (1) Annual premium — ADNIC starts from AED 2,500/yr, Takaful Emarat from AED 2,500/yr, (2) Network size — 8,341 vs 7,943 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 Takaful Emarat or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.