Google Rating
4.5

Protect Your Family’s Health with Trusted ADNIC Insurance Coverage


Abu Dhabi National Insurance Company, better known as ADNIC, is one of the UAE’s oldest and most trusted insurers, established in 1972 and licensed by the UAE Central Bank. Whether you are an individual, a family, or an employer searching for strong employee benefits, ADNIC health insurance offers tiered plans designed for both regulatory compliance and enhanced wellbeing.


At InsuranceHub.ae, you can explore a wide range of ADNIC health insurance plans, compare quotes instantly, and purchase the perfect coverage with ease—ensuring dependable medical care and financial protection when it matters most.


ADNIC Health Insurance Plans at a Glance


ADNIC’s health insurance portfolio is built to serve everyone—from low-income employees to high-net-worth individuals—while staying fully compliant with DHA, DOH (HAAD), and UAE Central Bank regulations.


Plans range from the Essential Benefits Plan (EBP) to Enhanced Silver, Gold, and Platinum tiers, offering increasing levels of medical access and lifestyle benefits.


Core Benefits Across ADNIC Plans


  • Inpatient & Day Surgery Cover up to the annual policy limit

  • Outpatient Consultations with co-payments as low as 10% on premium tiers

  • Maternity, Newborn & NICU Benefits (waiting periods may apply on basic tiers)

  • Emergency Medical Cover across all seven emirates

  • Extensive Medical Network with access to 2,000+ hospitals, clinics & pharmacies

ADNIC Coverage


Benefit Silver Gold Platinum
Outpatient co-pay 20% 10% 0%
Maternity (normal birth) Not covered AED 10,000 AED 25,000
Dental Optional Optional Included
Annual limit AED 150,000 AED 500,000 AED 1 million

Why UAE Residents Trust ADNIC Health Insurance


ADNIC is widely preferred due to its hospital network strength, fast claims processing, and flexible pricing structure. Here are the standout benefits most valued by UAE residents:


✅ Wide Treatment Network


GN and GN-1 tiers give access to top hospitals like:

  • Mediclinic City Hospital

  • Cleveland Clinic Abu Dhabi

  • American Hospital Dubai

✅ Transparent Co-Payments


  • Gold plans: 10% outpatient co-pay (capped at AED 50)

  • Platinum plans: 0% co-payment, significantly lowering out-of-pocket expenses

✅ Maternity Excellence


  • Comprehensive prenatal care, delivery, and newborn coverage with higher sub-limits on upper tiers.

✅ International Peace of Mind


  • Worldwide emergency medical treatment—ideal for frequent travelers and UAE expats.

✅ Fast Renewals & Quick Claims


  • Electronic claim submissions through InsuranceHub’s claim portal often complete within five working days.

Types of ADNIC Health Insurance UAE


ADNIC offers two main categories of health insurance plans to suit various needs and regions:


  • SHIFA Medical & Health Insurance Plans
  • Essential Benefits Plans (EBP)

Let's understand the products and benefits of each.

SHIFA Medical & Health Insurance Plans


This category provides comprehensive health insurance with top-tier products designed for both local and international coverage, backed by excellent customer service. The key plans under SHIFA include:


  • ADNIC Platinum Health Insurance Plan:
  • A premium plan that delivers unparalleled medical benefits with worldwide coverage for both outpatient and inpatient care. You can also add dental and vision care options

  • ADNIC Gold Health Insurance Plan:
  • Offers extensive global coverage (excluding the USA and Canada) for inpatient and outpatient services. This plan comes with the widest range of options, including routine and major dental care, as well as vision care.

  • ADNIC Silver Health Insurance Plan
  • A cost-effective option offering international coverage (excluding Europe, the USA, and Canada) for inpatient and outpatient treatments. Routine dental care can also be included.

  • ADNIC Bronze Health Insurance Plan:
  • Focused on coverage within the UAE, this individual plan under the ‘Shifa’ range provides substantial medical benefits at an affordable price.

Essential Benefits Plans (EBP)


Available in the Northern Emirates and Dubai, the EBP plans cover essential medical needs with a focus on key outpatient and inpatient services, including:

  • Medical treatment
  • Diagnosis
  • Medicines
  • Child vaccination
  • Pregnancy and maternity

Additionally, EBP includes value-added features like the Global Emergency Services Package, providing support when you travel abroad.


Factors That Affect Premiums


The cost of ADNIC health insurance is not one-price-fits-all. Insurers assess:


  • Age and medical history of each member

  • Coverage area (UAE only, GCC or worldwide excluding USA).

  • Annual limit selected, which can vary from AED 150,000 on EBP to AED 5 million on Platinum.

  • Network tier (Smart, Comprehensive or Global)

  • Optional riders such as dental, vision, alternative medicine and critical illness.

Indicative 2025 Pricing


Based on applications processed by InsuranceHub.ae this year, here is a broad guide to annual premiums:


Profile Plan Tier Annual Premium (AED)
Single professional, 30, no pre-existing conditions Smart Silver 1,850 – 2,400
Married couple, mid-30s, first baby on the way Gold 6,500 – 8,200
Family of four, worldwide excluding USA Platinum 13,000 – 16,500
Small business group, 25 employees Smart EBP 650 – 725 per employee

The ADNIC Network

ADNIC’s extensive network includes over 3,000 healthcare providers such as clinics, dentists, hospitals, and pharmacies across the UAE and internationally. For a full list of network providers, you can visit ADNIC’s official website or consult with our advisors. Please note that medical services obtained outside the ADNIC network are not eligible for reimbursement


Why Purchase Through InsuranceHub.ae?

InsuranceHub.ae simplifies the end-to-end experience:


  • Compare ADNIC with 50 + other insurers in one dashboard

  • Receive unbiased recommendations from licensed advisors.

  • Enjoy exclusive discounts and group-rate negotiations unavailable on direct channels.

  • Access 24 / 7 claims assistance and policy servicing.

Conclusion


ADNIC health insurance blends decades of underwriting expertise with modern digital tools and expansive provider access. Whether you need an entry-level EBP for visa stamping or a high-limit plan with worldwide benefits, InsuranceHub can secure the right ADNIC solution at a competitive price. Protect yourself or your workforce today and experience healthcare without compromise.


Popular Tags

Cheapest Adnic health insurance | Adnic health insurance| Adnic insurance | Best Adnic health insurance | Adnic insurance network

FAQs About ADNIC Health Insurance

What types of health insurance plans does ADNIC offer?
ADNIC offers a variety of health insurance plans, including SHIFA Medical & Health Insurance Plans (Platinum, Gold, Silver, Bronze) and Essential Benefits Plans (EBP) available in different Emirates.
Does ADNIC health insurance cover international medical treatments?
Yes, certain ADNIC plans like Platinum and Gold provide international coverage, excluding some countries such as the USA and Canada depending on the plan.
Can I add dental and vision care to my ADNIC health insurance?
Yes, dental and vision care options are available with select plans, especially under the Platinum, Gold, and Silver packages.
Where can I get medical treatment under ADNIC health insurance?
ADNIC has a network of over 3,000 healthcare providers, including hospitals, clinics, dentists, and pharmacies across the UAE and internationally. Treatments outside this network may not be reimbursed.
Are emergency services covered by ADNIC health insurance?
Yes, ADNIC includes emergency services, and some plans offer additional global emergency assistance when traveling abroad.

What 20000+ Happy customers love about InsuranceHub.ae so much

Almost 78.3% of Our current Customers actually choose Insurancehub because of the following reason:

Easy and Affordable way to Buy any Insurance Online

Most of our First Time customers couldn’t believe that Buying Insurance Online is as simple and affordable.

Free Expert Guidance

We help you to get the Best Deal on any Insurance at a very affordable price ( Insurancehub. ae Customers save almost up to 40% as compared to others )

Save More Time, Money, and Effort

Save more than you expect. Our Insurance Advisors will help you to find the best deals that will save you not only cover all your needs but would help you save a lot of your Money, Time, and Effort.

Saving is the Ultimate Mantra…

100% Guarantee of Premium Support

We just don’t treat our customers as Just customers rather friends. And Insurancehub is that friend who will never forget you whenever you’re in Need. We take this part of our Operations were carefully so that you get a seamless experience.

Still not able to decide whether Insurancehub would be a good fit for you or not.