Adnic Reviews 

Worst insurance company to buy insurance from. If you don’t like peace of mind, buy ADNIC policy.

My experience with ADNIC has been deeply disappointing. When it came time to file a claim, they applied an unreasonably rigid standard, second-guessing clear recommendations from licensed doctors as if they knew better than the treating physician. Legitimate, documented medical advice was treated as negotiable.

Worst of all, they appear to reject claims by labeling conditions as "pre-existing" or "non-declared" — even when the condition is clearly newly developed and there was nothing to declare in the first place. It feels like a catch-all excuse to deny payouts rather than an honest assessment of the medical facts.

What made it worse was the complete lack of customer understanding. There was no attempt to engage with my situation, no flexibility, and no sense that I was being treated as a person rather than a case to be denied. Communication was slow to nonexistent — questions went unanswered and follow-ups were ignored.

The overall handling felt not just unhelpful but borderline unethical: collect premiums readily, then resist paying out at every turn. For a company whose entire purpose is to provide security when you need it, this is about as good for nothing as it gets.

I would not recommend ADNIC to anyone who values responsiveness, fairness, or basic respect.

I’m very tired and want to say how torturing it to get claims approved.

I have insurances for other members with other insurance company and for the same package it was approved instantly. I can submit proof upon request.

We submitted all required documents multiple times for a standard health check up "package" at a well-known hospital in Dubai. Despite full compliance, the claim keeps getting rejected without a clear explanation, even though we are eligible to a certain amount reimbursement per year in the quota and table of benefit as we have Platinum insurance, which is not a standard one, but the highest one in your selection.

This process has been unnecessarily time-consuming and frustrating. A valid claim is being delayed without proper justification, which raises serious concerns about the insurer’s reliability. Based on this experience, I am seriously considering withdrawing all current insurance policies.