Question 1

Which is better, ADNIC or Takaful Emarat?

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. Takaful Emarat has 8,040 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.

Question 2

Is ADNIC cheaper than Takaful Emarat?

Accepted Answer

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.

Question 3

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

Accepted Answer

Takaful Emarat has a larger Dubai network with 4,174 providers, compared to ADNIC's 3,744 providers. Network sizes are based on the UAE Open Healthcare Directory data.

Question 4

Does ADNIC or Takaful Emarat 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 Takaful Emarat offers up to AED 3,500/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from ADNIC to Takaful Emarat?

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 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.

Question 6

How do I compare ADNIC and Takaful Emarat plans?

Accepted Answer

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 — 8,447 vs 8,040 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	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	8,447	8,040
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

City	ADNIC	vs	Takaful Emarat
Dubai	3,744	vs	4,174
Abu Dhabi	2,340	vs	1,628
Sharjah	983	vs	1,238
Al Ain	762	vs	332
Ajman	273	vs	411
Ras Al Khaimah	202	vs	160
Fujairah	110	vs	74
Umm Al Quwain	33	vs	23

ADNIC vs Takaful Emarat

ADNIC

Takaful Emarat

ADNIC vs Takaful Emarat — At a Glance

Network Comparison by City

ADNIC Plans

ADNIC Basic Health

ADNIC Enhanced Health

Takaful Emarat Plans

Takaful Emarat Basic Takaful

Takaful Emarat Enhanced Takaful

Verdict

ADNIC vs Takaful Emarat — FAQ

Related Comparisons