ADNIC
Est. 1972 · Abu Dhabi · HAAD, DHA, MOHAP regulated
Abu Dhabi National Insurance Company — one of the largest UAE-based insurers. ADNIC offers 2 health insurance plans in the UAE. Data cross-referenced with the UAE Open Healthcare Directory.
Key Facts
- ▸Abu Dhabi National Insurance Company — one of the largest UAE-based insurers
- ▸Strong Abu Dhabi and Northern Emirates presence
- ▸Publicly listed on Abu Dhabi Securities Exchange
- ▸Offers Sharia-compliant (Takaful) health plans
Coverage at a Glance
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| ADNIC Basic Health | Basic | AED 2,500 – 4,500/yr | AED 250,000 | 20% | — | — |
| ADNIC Enhanced Health | Enhanced | AED 5,500 – 11,000/yr | AED 500,000 | 20% | ✓ | ✓ |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Insurance 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
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
How claims work with ADNIC
Direct billing: Present your ADNIC insurance card at any in-network provider. The clinic or hospital bills ADNIC directly — you pay only your applicable co-pay (20%–20% outpatient) at the point of care. No paperwork required. Reimbursement claims: For out-of-network or emergency treatment, collect itemised invoices and medical reports, then submit via adnic.ae or call 800-23642. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact ADNIC at least 48 hours in advance.
ADNIC Insurance — FAQ
Compare ADNIC with other insurers
Side-by-side plan comparison across all 38 UAE insurers
Disclaimer: Plan details and premiums are indicative. Obtain a personalised quote from ADNIC or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.