شركة أبوظبي الوطنية للتأمين
Founded: 1972
HQ: Abu Dhabi
Category: Public Joint Stock Company
Presence: UAE & Regional
UAE-based insurance company offering motor, health, travel, property and corporate insurance solutions across the UAE and the wider GCC region.
This page is an independent public reference guide prepared using publicly available information in the UAE. It is designed to help users understand Abu Dhabi National Insurance Company, its services, relevant support networks, and insurance-related pathways in the UAE.
| Full Legal Name | Abu Dhabi National Insurance Company P.S.C. |
| Short Name / Trading Name | ADNIC |
| Arabic Name | شركة أبوظبي الوطنية للتأمين |
| Year Established | 1972 |
| Headquarters | Abu Dhabi, UAE |
| CEO | Walid Sidani |
| Chairman | Mohamed Darwish Al Qamzi |
| Branches | Abu Dhabi, Dubai, Sharjah, Al Ain |
| Operating Countries | UAE, Bahrain, Kuwait |
| Insurance Type | Conventional |
| Lines of Business | Retail, SME, Corporate |
| Regulators | CBUAE, DoH, DHA |
| Listing Status | Listed |
| Stock Exchange | Abu Dhabi Securities Exchange (ADX) |
| Gross Written Premium | AED 2.3 Billion (2023) |
| Credit Rating | A- (AM Best) |
ADNIC is one of the UAE's largest and most established insurance companies, incorporated in 1972 and headquartered in Abu Dhabi. It operates as a composite insurer serving retail and corporate customers.
Core insurance services include motor insurance, group medical insurance, health insurance, property insurance, marine cargo, engineering, liability, and specialty lines for corporate clients.
ADNIC maintains a strong presence across all seven UAE emirates, with key branches in Abu Dhabi, Dubai, Sharjah and Al Ain, supported by a wide network of TPAs, garages and service partners.
The company operates across three primary business segments: retail insurance for individuals and families, SME products for small and medium businesses, and corporate underwriting for large organisations.
Products offered by ADNIC available through eSanad.
Comprehensive and third-party motor policies for private vehicles.
Individuals seeking vehicle coverage in the UAE.Individual and family health plans aligned with UAE mandates.
Residents requiring DHA or DoH-compliant health coverage.Single and multi-trip travel cover for UAE residents.
Frequent travellers needing medical and trip protection.Contents and structural coverage for UAE residences.
Tenants and homeowners protecting their property.Veterinary expense cover for pets in the UAE.
Pet owners seeking comprehensive veterinary coverage.Employer-sponsored medical plans for company workforces.
SMEs and corporates fulfilling UAE health insurance obligations.Life and disability group policies for employee benefits.
Organisations providing life coverage as an employee benefit.Fleet vehicle policies for businesses with multiple vehicles.
Companies managing car fleets or logistics operations.Commercial property and asset coverage.
Businesses protecting offices, warehouses and assets.Construction project coverage for contractors and developers.
Construction firms managing project risk.Coverage for goods in transit by sea, air and land.
Import/export businesses and logistics providers.Liability protection for professional service providers.
Consultants, engineers and service firms.Coverage for data breaches and cyber liability.
Technology-dependent businesses.Liability cover for healthcare professionals and facilities.
Clinics, hospitals and medical practitioners.Coverage for energy sector assets and operations.
Oil, gas and utilities companies.Multi-cover protection for office environments.
SMEs and businesses in office settings.Structured claims processes for motor, medical and property lines with dedicated teams.
Broad network of hospitals and clinics across the UAE supported by established TPAs.
Wide approved garage network across all UAE emirates for accident repairs and assessments.
Specialist underwriting capabilities across marine, energy, engineering and liability lines.
Online policy management, claims reporting and document access for policyholders.
Experience in underwriting complex and specialty risks for large corporate clients.
Ensure all parties are safe. Move vehicles off the road if possible. Call the police if there are injuries or major damage.
Third-Party Administrators (TPAs) manage medical claims, authorisations and hospital network access on behalf of ADNIC policyholders.
A leading UAE TPA managing medical claims and network administration for group health plans.
Regional TPA providing claims management, medical network access and pre-authorisation services.
UAE-based TPA offering digital health claims processing and network management solutions.
ADNIC maintains a network of approved garages across the UAE that are authorised to assess and repair vehicles under insurance claims. Using an approved garage ensures quality standards and direct billing to the insurer.
The following are official regulatory and market bodies relevant to Abu Dhabi National Insurance Company.
Neutral guidance to help you evaluate whether ADNIC is the right fit for your insurance needs.
Review policy exclusions carefully. Common exclusions include pre-existing conditions, wear and tear, and certain high-risk activities. Ensure coverage limits match your needs.
Check whether your preferred hospitals and clinics are within the insurer's approved network. A broader network means fewer out-of-pocket expenses.
Understand how claims are submitted, what documentation is required, and the typical processing time. A straightforward claims process can make a significant difference.
For motor insurance, verify that approved garages are conveniently located for you. Ask whether agency repairs are included in your policy.
Confirm which TPA administers your medical claims. The quality and responsiveness of the TPA directly affects your day-to-day experience with medical coverage.
The lowest premium is not always the best value. Compare coverage scope, excess amounts and sub-limits before deciding based on price alone.
Read the policy wording thoroughly. Clear, straightforward policy documents are a sign of a transparent insurer. Seek clarification on anything ambiguous before purchasing.
To report a motor claim, first ensure everyone's safety and contact authorities if needed. Gather accident details and your policy number, then contact ADNIC's claims centre or use eSanad's claim reporting service to initiate the process.
ADNIC works with several TPAs including NAS (Daman), Nextcare and Neuron, depending on the group medical plan. Your policy documents will specify the assigned TPA.
ADNIC maintains a network of approved repair garages across the UAE. You can use the eSanad garage directory tool to find approved garages near you or contact ADNIC directly for a current list.
Yes. eSanad allows you to compare ADNIC insurance products alongside other UAE insurers, helping you find the most suitable plan based on your needs and budget.
Medical reimbursement forms are available in the Documents & Downloads section of this page and through ADNIC branches. You can also request forms through eSanad's support centre.
Yes. ADNIC is licensed and regulated by the Central Bank of the UAE (CBUAE), which is the primary insurance regulatory authority for the UAE.
Our team of UAE insurance experts are ready to help you compare, advise and support you through every step.