ADNIC Health Insurance

Quick Summary

• ADNIC medical insurance offers four core retail plans: Bronze, Silver, Gold, Platinum (annual limits AED 250k → AED 5M).
• Strong provider network (3,100+ providers) and global emergency services on higher tiers.
• Features include inpatient/outpatient cover, maternity (varies by plan), chronic-condition management (declared), and emergency evacuation on eligible plans.
• Premiums vary widely by age, location and health; sample ranges are included below (estimates only).
• Convenient online buying, renewal and claims via ADNIC digital channels or a broker/HR.

Best ADNIC Health Insurance Plans for 2025

Below are the most popular ADNIC insurance health plans and their approximate premiums (for a 24-year-old Male, Dubai resident with no pre-existing conditions) —

Note: *Premiums may vary. You can check yours by adding your age, health condition, location & benefits.

Key Features of ADNIC Medical Insurance Plans

Annual Limits & Geography

Room Type, Upgrades & Stay Benefits

Unique Financial Limits / Special Benefits

Pre-existing, Chronic & Underwriting Conditions

Network Size / Strength

What is Included in ADNIC Health Insurance Coverage?

Covered items (common across plans, subject to policy wording) —

• Inpatient hospitalisation: room, ICU, theatre, surgeon/anaesthetist fees.
• Day-care procedures and outpatient surgery.
• Diagnostics (lab, X-ray, CT, MRI) and prescribed investigations.
• Prescribed pharmaceuticals (subject to formulary rules on some plans).
• Emergency ambulance transport (local).
• Maternity and newborn care are included in the plan.
• Chronic-condition management is declared and accepted.
• Emergency overseas treatment (depending on plan limits and territory rules).

Example: If a Silver policyholder needs an emergency appendectomy in the UAE, ADNIC will pay surgery, hospital stay and required tests under the Silver limit (subject to co-pay rules).

What is NOT Covered in ADNIC Health Insurance Coverage? 

• Cosmetic or elective procedures.
• Experimental therapies and unproven treatments.
• Routine dental and vision (unless specifically added).
• Non-prescribed medicines and supplements.
• Injuries from professional hazardous sports (unless covered).
• Treatments outside the plan’s geographical scope (unless emergency cover applies).
• Services not medically necessary or excluded by policy wording.

ADNIC Health Insurance Price in the UAE

ADNIC health insurance prices vary based on the type of plan and your personal profile. Premiums generally start around AED 5,530 per year and can go up to AED 24,827 per year for an 18-year-old, depending on the level of coverage you choose (Basic, Silver, Gold, or Platinum).

What Affects the Cost of ADNIC Medical Insurance?

Here are the main factors that influence your premium —

• Age: Younger applicants pay lower premiums; costs rise with age.
• Health Condition: Pre-existing conditions can increase your price.
• Coverage Level: Higher-tier plans (Gold/Platinum) cost more than basic plans.
• Lifestyle: Smoking and risky lifestyle habits lead to higher premiums.
• Occupation: High-risk jobs may result in higher pricing.
• Family Size: Adding dependents increases the total premium.
• Optional Benefits: Adding dental, vision, maternity upgrades, or alternative treatments increases your policy cost.

Quick Example: A healthy 30-year-old may pay around AED 5,200–AED 7,000/year, while a family opting for premium coverage may pay AED 15,000–AED 22,000/year, depending on benefits included.

Why Choose ADNIC Medical Insurance?

Rather than repeat each plan line-by-line, here are the distinctive features and which plan tiers typically include them —

• Worldwide emergency & evacuation: Gold and Platinum include emergency medical evacuation and repatriation; Platinum gives the broadest international emergency cover.
• Higher annual limits: Gold (AED 2M) and Platinum (AED 5M) suit those wanting high-cost treatment protection.
• Maternity: Available from Silver upwards; limits grow with plan tier (Silver → Gold → Platinum).
• Chronic & pre-existing conditions: Covered if declared and subject to underwriting and plan-specific exclusions/limits.
• Pharmacy & diagnostics: Pharmacy is covered up to the medical limit; ADNIC uses a tiered drug list for some plans.
• Additional services on premium plans: Assist America / global assistance, physiotherapy limits, medical appliances, dialysis limits and second medical opinion services are available on Gold/Platinum.

How to Buy ADNIC Health Insurance Through Policybazaarinsurance.ae?

Buying ADNIC health insurance through Policybazaarinsurance.ae is straightforward, quick, and designed for complete transparency. Here’s how it works —

1. Go to Policybazaarinsurance.ae → Health Insurance.
2. Enter Your Details: Provide your age, visa type, location, and dependent information. The system will automatically show you plans suitable for your profile.
3. Apply Filters: Use the filter to select Abu Dhabi National Insurance Company under insurers.
4. Compare Plans Side-by-Side: See differences in:
   • Premium
   • Coverage
   • Network list
   • OP/IP benefits
   • Maternity cover
5. Select & Proceed to Payment: Pick the plan that suits your needs and pay securely online.
6. Download Your Policy Instantly: Your policy document and E-card are generated immediately, no waiting.

Why Buy From Policybazaarinsurance.ae?

✔ Access to Top-Rated Insurers

✔ 24/7 Customer Support

✔ Transparent Comparison

✔ Renewal Reminders

✔ Seamless Digital Process

ADNIC Health Insurance Claim Process (Direct Billing vs Reimbursement)

Direct billing (in-network):

1. Present the ADNIC card or e-card at the hospital reception.
2. Provider requests pre-authorisation if required; insured pays only co-payment/deductible.

Reimbursement (out-of-network or non-direct billing):

1. Collect invoices, prescriptions, discharge summaries, test reports and payment receipts.
2. Complete the ADNIC reimbursement claim form.
3. Submit online (app/portal) for amounts < AED 5,000 (copies acceptable). For larger claims, submit originals as per ADNIC instructions.
4. ADNIC processes the claim; approved reimbursement is credited to the insured’s bank account.

Timing & docs: Claims should be filed within 120 days of treatment. Large overseas claims often require original documents.

Things to Consider Before Buying ADNIC Medical Insurance 

• Network hospitals: Make sure your preferred hospitals are on ADNIC’s network for cashless access.
• Maternity needs: If planning a family, check the maternity limit and waiting period for each plan.
• Chronic conditions: Declare all pre-existing illnesses and review how they’ll be treated (sub-limits/waiting periods).
• Co-pay & exclusions: Understand consultation co-pays, pharmacy co-insurance and any itemised exclusions that affect out-of-pocket costs.
• Emergency overseas cover: If you travel often, prefer plans that offer emergency overseas cover and medical evacuation.

Conclusion

ADNIC health insurance offers a clear tiered approach, from Bronze (basic, affordable cover) to Platinum (high-limit, global support). The right plan depends on age, family needs, travel patterns and budget. For most people, the sequence is simple: pick the annual limit you’re comfortable with, confirm network hospitals and co-insurance, and buy through a trusted portal or broker to get personalised quotes.