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Protecting your home and everything inside. Quick and easy,buy the right home insurance policy for your peace of mind.
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Home Insurance - Explore our Plans
Whether you own or rent, our home insurance is a must for your peace of mind. With it, you’ll sleep easy knowing you won’t be out of pocket if you need to repair your home or replace contents if they are destroyed, damaged or stolen. We understand that if something unexpected does happen, you’ll want to get it sorted quickly. Whether it’s your precious technology that you can’t live without, jewellery or furniture, our trusted team is here 24 hours a day, seven days a week to make the home insurance claim process quick and easy.
Platinum
About your home
You have a large house with a lot of expensive valuables that you keep at home.
Our cover
Our Platinum policy is our premier policy designed to give you the highest level of cover for total peace of mind, with contents cover up to AED 400,000.
Bronze
About your home
You have a smaller house or apartment and are looking for basic cover.
Our cover
Offering great value for money for smaller households, our Bronze policy is designed to meet basic needs with contents cover up to AED 50,000.
Medical Insurance Plans
SHIFA Individual Medical Insurance Plans
Summary of Benefits
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| Annual Limit | AED 250,000 | AED 500,000 | AED 2,000,000 | AED 5,000,000 | |
| Geographical Limit | UAE Only | Worldwide Excluding USA & Canada | Worldwide | ||
| Accommodation | Semi-private | Private | Private | Standard Suite | |
| Maternity Outside Network and Overseas | AED 15,000 | AED 30,000 | AED 50,000 | ||
| Medical Consultation Co-insurance | AED 30 or AED 50 | AED 30 or AED 50 | AED 30 or AED 50 | Nil Deductible | |
| Pharmaceutical Co-insurance | Nil or 20% | Nil or 20% | Nil or 10% or 20% | Nil Co- insurance | |
| Outside The Network (In and Outside the UAE) Co-insurance | 20% | 20% | Nil Co- insurance | ||
| Medical Appliances | AED 5,000 | AED 25,000 | AED 50,000 | ||
| Kidney Dialysis | AED 15,000 | AED 50,000 | AED 100,000 | ||
| Vaccination (Child) | Covered as per MOH schedule | Covered as per MOH schedule | At actual | At actual | |
| Organ Transplant | At actual | ||||
| Second Medical Opinion | |||||
| Alternative Medicine | AED 1,500 | AED 7,500 | AED 15,000 | ||
| Routine Health Checkup Annual Screening | AED 750 | AED 750 | AED 1,000 | AED 2,500 | |
| Diabetic Consumables | AED 3,500 | AED 7,500 | |||
| Psychiatry Treatments Psychological Counselling | AED 1,500 | AED 10,000 | AED 30,000 | ||
| Cash Benefit | AED 100 (10 nights) | AED 250 (15 nights) | AED 500 (15 nights) | ||
| Overseas Direct Billing | This feature will be available only under “Shifa” medical product in coordination with MSH International Network | This feature will be available only under “Shifa” medical product in coordination with MSH International Network | This feature will be available only under “Shifa” medical product in coordination with MSH International Network | ||
| Vision Care (Optional) | AED 750 | AED 1,000 | |||
| Dental Care (Optional) | ROUTINE | AED 1,500, 20% Co-payment will apply | AED 5,000, 20% Co-payment will apply | AED 7,000, 20% Co-payment will apply | |
| Major | AED 5,000, 50% Co-payment will apply | AED 7,000, 20% Co-payment will apply | |||
Home Insurance - Our Promise to You
LEARN MORE ABOUT US
Home owners
Buildings are covered, including apartments, as well as contents and personal belongings.
GET A QUOTE
Tenant’s liability
If you rent, you’ll be covered for accidental damage to the property to protect your deposit.
GET A QUOTE
Hassle-free claims
Our quick and easy claim process saves you time and lets you get back to normal sooner.
Submit a claim
Here to help
Got a question? From finding the right policy to making a claim, our friendly team is here to help 24/7.
Contact us
LEARN MORE ABOUT US
home - Testimonials
We are very happy with the excellent services provided by ADNIC and appreciate their expertise in understanding our specific insurance requirements. Must say that Really a ‘Reliable’ Insurer!
B C Naujad, Al Mansouri Specialized Engineering | Abu Dhabi, UAE
ADNIC has been serving our insurance needs for the last several years and we find them to be extremely professional and service oriented. Based on our Experience we highly recommend their service.
Ebby Abraham, Emirates Palace | Abu Dhabi, UAE
ADNIC is a trustworthy partner who takes a keen interest in the success of their customers. Some of their most compelling qualities are their ability to adapt to dynamic market changes, speed of responsiveness and analytically understanding client’s bespoke requirements. As we are one of the leading mobility organizations in the UAE, we rely heavily on ADNIC to provide a superior service and we trust they will continue to do so for many years to come.
Richard Sikkel, CEO Massar Solutions | Abu Dhabi, UAE
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Asset Publisher
How do I report a home claim?
To report a home-related claim, you can simply call our toll free 8008040, submit the claim online, or send us an email at comclaims.nm@adnic.ae. When you report the claim, you will need to send us a completed claim form.
Upon receipt of the claim, we will contact you within 2 working days to arrange inspection and assessment of the loss.
If my home insurance claim gets approved, how do I pay the settlement?
The settlement of your claim can be done through either cheque or bank transfer, once the IBAN details are provided.
If I need to make a home insurance claim, how soon do I report it to ADNIC?
You need to report the incident to us within 24 hours from the time of discovery, which may result in a claim.
After I submit all the documents requested, how soon the home insurance claim will be approved?
Once you have submitted all of the required documents, the claim will be approved within 7 working days.
Can I proceed with home repairs and then claim for the damaged incurred ?
Before you go ahead with repairs, you need to make sure you claim the damages first and receive approval. For more information, you can refer to the Claims Procedure section in your Policy.
What are my responsibilities after a loss?
Your responsibilities will differ depending on the type of claim, but there are two things that you should always do:
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Report your claim to us immediately
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Protect your property from further loss or damage
Do you accept scanned copies?
We accept scanned copies initially in order to process the claim, however, you must send us original copies after the claim is approved and before the payment is made.
What are the documents I am required to submit when reporting a claim?
Make sure you attach the completed claim form when you report the claim to us. Upon review and further investigation of the claim, we might request additional documents based on the type of loss.
What action has to be taken in case of theft?
If you experience theft, first notify the police immediately. The police report is a mandatory document we require in such cases.
What do I do if a network provider did not accept my card?
If your card does not get accepted by a network provider, please call us at 8008040.
