ADNIC Health Insurance

Abu Dhabi National Insurance Company (ADNIC) offers comprehensive and flexible health coverage to meet the diverse needs of individuals and families across the UAE. 
Established in 1972, ADNIC is a leading multi-line regional insurance provider known for its extensive network of over 3,100 medical providers. With four distinct plans — Bronze, Silver, Gold, and Platinum — ADNIC has an option to suit every budget and coverage requirement. 

Best ADNIC Health Insurance Plans for 2024

Plan Name	Annual Limit (AED)	Maximum Pharmacy Limit (AED)	Annual Premium (Approx)*	Check Quotes
Bronze	250,000	Up to the Medical Cover	AED 5,127
Silver	500,000	Up to the Medical Cover	AED 6,959
Gold	2,000,000	Up to Medical Cover	AED 9,250
Platinum	5,000,000	Up to Medical Cover	AED 22,994
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*Disclaimer: The premiums listed above are approximate amounts and are subject to change based on individual profiles. The premiums are calculated based on the assumption that the individual has no existing medical conditions, is 29 years old, has a salary of AED 6001-7000, and resides in Dubai. Actual premiums may vary based on a variety of factors including but not limited to age, health condition, location, and specific insurance requirements.

An Overview of ADNIC Health Insurance

The table below highlights the key details of ADNIC health insurance — 

Benefits of ADNIC Health Insurance Plans 

Some of the advantages of ADNIC medical insurance plans are — 

1. Extensive Network: ADNIC medical insurance boasts a vast network of over 3,100 medical providers, including hospitals, clinics, pharmacies, and dental centers across the UAE. 
2. Comprehensive Coverage: ADNIC offers a range of plans with varying annual limits, from AED 250,000 to AED 5,000,000. 
3. Maternity Coverage: ADNIC medical insurance plans provide comprehensive maternity benefits. Depending on the plan, maternity coverage includes pre-natal, postnatal care, and delivery costs — even outside the network and overseas — with limits up to AED 50,000 for the Platinum plan​.
4. Preventive Care and Screenings: ADNIC plans include routine health checkups and annual screenings, such as breast and prostate cancer screenings. These preventive measures are covered up to specific limits. 
5. Global Emergency Services: ADNIC provides global emergency medical services, including medical evacuation and repatriation. This feature is especially valuable for frequent travellers. 
6. Chronic and Pre-existing Conditions: ADNIC covers chronic medical conditions and pre-existing conditions, subject to declaration.
7. Additional Benefits: Depending on the plan, ADNIC offers additional benefits such as coverage for alternative medicine, psychiatric treatments, and second medical opinions.

Type of ADNIC Health Insurance Plans

As mentioned earlier, ADNIC medical insurance plans can be classified into 4 categories — 

1. Bronze Plan: The Bronze ADNIC health insurance plan provides essential health coverage with an annual limit of AED 250,000. It covers inpatient and outpatient treatments within the UAE, but does not include coverage for treatments outside the UAE. This plan is ideal for individuals seeking basic health coverage at an affordable premium.
2. Silver Plan: The Silver ADNIC medical insurance plan offers more comprehensive coverage with an annual limit of AED 500,000. It includes both inpatient and outpatient treatments within the UAE, and limited coverage for emergency treatments outside the UAE. 
3. Gold Plan: The Gold ADNIC health insurance plan provides extensive health coverage with an annual limit of AED 2,000,000. It covers inpatient and outpatient treatments within the UAE and selected international locations, including maternity care and chronic conditions. 

This policy is suitable for individuals seeking higher coverage limits and extensive health benefits.

1. Platinum Plan: The Platinum plan offers the highest level of health coverage with an annual limit of AED 5,000,000. The plan is designed for those who require premium health coverage with the widest range of benefits and international access.

The table below highlights other key details related to ADNIC health insurance plans —

Why Choose ADNIC Health Insurance?

Stated below are the primary reasons for choosing ADNIC health insurance —

• Health insurance Dubai plans of ADNIC Insurance are tailor-made products suiting the needs of each customer.
• ADNIC Insurance has a partnership with MSH International, a leading healthcare administration around the world, to provide worldwide coverage to its customers.
• Users can conveniently keep track of their medical claims.
• ADNIC has tie-ups with more than 3,000 medical providers across the UAE and other regions. 
• The company has a large network of healthcare centres and some of the best medical professionals.
• Medical emergencies are covered globally while travelling.

Inclusions of ADNIC Health Insurance

Here are the inclusions of ADNIC health insurance plans — 

1. Inpatient and outpatient treatment covered
2. Emergency medical evacuation included
3. Pre-existing conditions covered, subject to declaration
4. Maternity and newborn care provided
5. Coverage for chronic conditions and congenital anomalies
6. Mental health and psychiatric treatment included
7. Prescription drugs and medications covered

Exclusions of ADNIC Health Insurance

The following treatments are not covered by the ADNIC medical insurance plans — 

1. Experimental and unproven treatments not covered
2. Cosmetic and elective surgeries excluded
3. Vision care (frames, lenses, contact lenses) not included
4. Dental care (routine and major) not covered unless specified
5. Non-prescribed drugs and medications excluded
6. Treatments outside the geographical coverage limits not covered

Network Hospital

ADNIC health insurance products are some of the most preferred health insurance plans in the UAE with comprehensive coverage, high assured sum, and a widespread network list. ADNIC network hospital list is designed to ensure that every customer can choose a hospital of their liking

Cost of ADNIC Health Insurance

ADNIC health insurance prices vary as per the level of coverage you choose. The premiums for these plans start at approximately AED 5,127 annually and can go up to AED 22,994 annually. The exact premium depends on several factors, including your age, health condition, and salary.

Other factors that impact the premium of ADNIC medical insurance plans are listed below — 

1. Age: Younger individuals generally pay lower premiums compared to older individuals.
2. Health Condition: Existing medical conditions can affect the premium amount. Those with pre-existing conditions may face higher premiums.
3. Coverage Level: Higher coverage limits and more comprehensive plans like the Gold and Platinum options come with higher premiums.
4. Lifestyle: Factors such as smoking, alcohol consumption, and overall lifestyle can influence the premium amount.
5. Occupation: Certain high-risk occupations may lead to higher premiums due to the increased likelihood of health issues or injuries.
6. Family Size: Adding dependents to your policy will increase the overall premium.
7. Selected Benefits: Optional benefits like dental care, alternative medicine, and vision care can add to the cost of the premium.

Points to Consider Before Buying ADNIC Health Insurance

You must take the following points into account before buying a health insurance plan from ADNIC —

• Make sure to choose the right coverage as there are a wide range of ADNIC health plans available. 
• Explore the available add-on plans and riders. This is because such riders can enhance your base plan for free or at a minimal cost.
• Thoroughly understand the insurance claim process to avoid later hassles.  

Benefits of Purchasing Health Insurance at an Early Stage

By purchasing health insurance early in the UAE, you can enjoy numerous advantages — 

Efficient Financial Planning

Health insurance provides financial security by covering unforeseen medical expenses. Without it, healthcare costs can be overwhelming and potentially lead to financial strain.

Low Premium

Buying health insurance early often results in lower premiums. Younger individuals typically have fewer health issues, making them eligible for more affordable insurance plans. 

Locking in lower rates early on can lead to significant long-term savings. 

Multiple Plan Options

At an early stage, the chances of developing health conditions such as pre-existing diseases are less. In terms of buying health insurance, this means there are wider health insurance options available. 

Documents Required to Buy ADNIC Health Insurance

Given below is a checklist of documents required for buying ADNIC health insurance in the UAE —

• Emirates ID
• Valid address proof
• Medical reports

Note: The provider may ask you to submit additional documents as per its requirements.

How to Buy ADNIC Health Insurance via Policybazaar UAE?

The instructions below will guide you through the process of buying ADNIC medical insurance —

1. On policybazaar.ae, choose health insurance from the ‘Insurance’ drop-down.
2. Fill out the lead form with all the required details.
3. Submit the form to view the health insurance quotes page.
4. Locate ADNIC health insurance plans and go through their policy wordings.
5. Select an appropriate plan and apply for it by following the on-screen prompted instructions.

Note: Once you make the payment, policy details will be sent to your registered email ID.

How to Renew ADNIC Health Insurance?

The renewal of ADNIC medical insurance is straightforward when you do the process through Policybazaar UAE —

1. Log into your Policybazaar UAE portal.
2. Locate your ADNIC health insurance policy from the list of purchased policies.
3. Click on the renewal button and review the current policy.
4. Customise the plan if required.
5. Proceed and pay the required amount to renew your policy.

Note: You will get your renewed policy on your registered email ID.

How to Claim ADNIC Health Insurance?

Here is the step-by-step process of filing an ADNIC health insurance claim in the UAE —

1. On the official website of ADNIC, select ‘Claim Services’ from the menu.
2. Choose ‘Medical Claims’.
3. Select ‘Personal’ and download the claim form.
4. Fill it out and attach the required documents.
5. To submit the form, check out the following channels:

If the bill is less than AED 5,000

You can submit your claim with copies of the required documents via online means — either through ADNIC’s website or mobile app.

If the bill is more than AED 5,000

You will be required to submit original documents in this case. Note that your medical claim can be submitted through —

• A broker: If the medical insurance card is issued through a broker, submit the claim through them.
• Your HR: If your medical insurance card is issued through your employer, submit the claim through your HR.
• An ADNIC branch: If you are an individual medical insurance cardholder, submit your claim at one of the company’s main branches
• Courier: Original claims can also be sent through courier to ADNIC's Head Office

How to Calculate ADNIC Health Insurance Premiums?

Assessing the ADNIC health insurance price or premiums is an effortless process. With the health insurance premium calculator of Policybazaar.ae, you can conveniently know your monthly or yearly premium amount beforehand. 

Here’s how you can calculate ADNIC health insurance premiums via Policybazaar.ae —

1. Go to our website’s homepage.
2. From the ‘Banking Products’ drop-down, select ‘Financial Calculators’.
3. Choose the health insurance calculator.
4. Enter the requested details — for whom you wish to buy insurance, sponsor age, cover amount, and city name.
5. Hit the ‘Calculator’ button to instantly get your result.

Why Buy Health Insurance via Policybazaar UAE?

When you buy health insurance with policybazaar.ae, you unlock a range of benefits —

• The best health insurance plans in one place due to collaboration with the top health insurers across the UAE 
• Tailored plans to suit the requirements of each individual
• Option to compare different plans from various companies in one place and select the best one
• Easy-to-navigate website
• Quick and hassle-free purchasing process
• Convenient and effortless renewal process
• Easy to switch from your current provider to a new one
• Prompt customer care assistance

ADNIC Health Insurance Claim Process

There are two types of ADNIC health insurance claims — 

1. Direct Billing within the Network: For medical treatments within the ADNIC health insurance network, no claim submission is needed. 

You can simply present your medical insurance card at the healthcare provider — ADNIC will cover the cost directly, except for any applicable deductibles.

1. Reimbursement Claims: If you receive treatment outside the ADNIC medical insurance network or overseas, you need to submit a claim for reimbursement.

Steps for Submitting ADNIC Health Insurance Reimbursement Claim

1. Document Preparation: You should have all the necessary documents ready —
   • Policy number
   • Medical report
   • Detailed bill
   • Payment receipt
   • Insured personal banking details
   • Authorisation form
   • Reimbursement claim form (if the claim amount is over AED 5000)
2. Submitting the Claim
   • For amounts up to AED 5,000: Submit copies of the required documents through the ADNIC mobile app or online.
   • For amounts over AED 5,000: Submit original documents through one of the following methods:
     • Broker: If your insurance card is issued through a broker, submit the claim via the broker.
     • HR Department: If issued through your employer, submit through your HR department.
     • ADNIC Branch: Individual policyholders can submit claims at ADNIC branches.
     • Courier: Send original documents via courier to ADNIC’s Head Office in Abu Dhabi.

Once the claim is submitted, ADNIC will process and settle the claim. It will transfer the reimbursement amount directly into your bank account. You will receive an SMS notification once the transfer is complete.

Terms and Conditions 

1. Claims must be submitted within 120 days of the treatment date.
2. Reimbursement claims require complete and accurate documentation to be processed.

How to Renew ADNIC Health Insurance?

Given below is the ADNIC health insurance renewal process —

For Existing Policyholders

If you got your ADNIC health insurance policy through Policybazaar.ae, follow these steps to renew your policy — 

1. On Policybazaar.ae, log into your account using your registered email and password.
2. Once logged in, go to your insurance dashboard.
3. Locate the ‘Renew’ button next to your ADNIC health insurance policy and click on it.
4. Choose the same plan or explore other plans that may better suit your current needs.
5. Follow the prompts to complete the renewal process.

For First-Time Buyers

If you are purchasing an ADNIC medical insurance policy for the first time, follow these steps — 

1. Go to the health insurance section on Policybazaar.ae. 
2. Fill out the lead form with your personal and medical details.
3. After submitting this form, you will receive quotes for different ADNIC health insurance plans.
4. Review the features and benefits of each plan. Select the one that best meets your needs and budget.

Frequently Asked Questions

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