Question 1

Which is better, ADNIC or Union 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. Union Insurance has 6,349 providers across 8 cities with 2 plans from AED 2,300/yr. Choose ADNIC if you need a larger provider network. Choose Union Insurance if you prioritise lower entry-level premiums.

Question 2

Is ADNIC cheaper than Union Insurance?

Accepted Answer

No, Union Insurance's entry-level plan starts from AED 2,300/yr, while ADNIC's cheapest plan begins at AED 2,500/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.

Question 3

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

Accepted Answer

ADNIC has a larger Dubai network with 3,744 providers, compared to Union Insurance's 3,229 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does ADNIC or Union 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 Union Insurance offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from ADNIC to Union 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 Union 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 Union Insurance have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare ADNIC and Union Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare ADNIC and Union Insurance side-by-side. Key factors to compare: (1) Annual premium — ADNIC starts from AED 2,500/yr, Union Insurance from AED 2,300/yr, (2) Network size — 8,447 vs 6,349 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	Union Insurance
Type	private	private
Founded	1972	1998
Headquarters	Abu Dhabi	Dubai
Regulators	HAAD, DHA, MOHAP	HAAD, DHA
Number of Plans	2	2
Premium Range	AED 2,500 – 11,000	AED 2,300 – 10,500
Total Network Size	8,447	6,349
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	02-677-5050

City	ADNIC	vs	Union Insurance
Dubai	3,744	vs	3,229
Abu Dhabi	2,340	vs	1,646
Sharjah	983	vs	838
Al Ain	762	vs	237
Ajman	273	vs	162
Ras Al Khaimah	202	vs	133
Fujairah	110	vs	77
Umm Al Quwain	33	vs	27

ADNIC vs Union Insurance

ADNIC

Union Insurance

ADNIC vs Union Insurance — At a Glance

Network Comparison by City

ADNIC Plans

ADNIC Basic Health

ADNIC Enhanced Health

Union Insurance Plans

Union Basic Health

Union Enhanced Health

Verdict

ADNIC vs Union Insurance — FAQ

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