# Adamjee Health Insurance **Published:** 2021-08-11 **Updated:** 2026-07-29 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/adamjee-health-insurance-hipvd/ Adamjee Health Insurance is one of Pakistan’s leading health insurance providers. Established in 1959, Adamjee Insurance has offered reliable health insurance services for over 60 years. Adamjee sells 12 named plans across five network tiers - from the clinic-restricted Silk Road plan to the broader NAS-CN network - for individuals, families, and companies. Adamjee's network spans hospitals and clinics across Abu Dhabi, Al Ain, Ajman, Dubai, Fujairah, Ras Al Khaimah, Sharjah, and Umm Al Quwain - though coverage varies by the network plan you pick (see the five network tiers below). Regulatory credentials Licensed by the Central Bank of the UAE **([Registration No. 123](https://cdn.policybazaar.ae/pbuae/images/IA-License-Renewal-2026.pdf))** DHA Health Insurance Intermediary **Permit No.** [BRK-00041](https://www.isahd.ae/Home/PermittedIntermediaries) Emirates Insurance Federation **Membership No.** [B81](https://static.pbcdn.ae/pbuae/images/Policybazaar-Middle-East-Insurance-Brokers-LLC.pdf) Information on this page is for general guidance only - not personalised financial or medical advice. [Benefits](https://www.policybazaar.ae/health-insurance/articles/adamjee-health-insurance-features-and-benefits/) [Renewal](https://www.policybazaar.ae/health-insurance/articles/how-to-renew-adamjee-health-insurance-online/) [Daman Senior Citizen](https://www.policybazaar.ae/health-insurance/adamjee-senior-citizen-health-insurance/) [Network Hospital](https://www.policybazaar.ae/network-hospitals/adamjee-insurance-hospital-list-dubai/) [Customer Care](https://www.policybazaar.ae/health-insurance/articles/adamjee-health-insurance-customer-care/) Adamjee Insurance Company Limited was incorporated in 1960 and is listed on the Pakistan Stock Exchange. It's widely cited as Pakistan's largest general insurer, and operates in the UAE as a Central Bank–licensed foreign insurance branch with a presence in Dubai, Abu Dhabi, and Sharjah. The company offers numerous insurance products to safeguard your financial interests. One of the most popular and reliable products offered by the company is Adamjee Health Insurance also known as Adamjee Medical Insurance. When you are hospitalized, even just one long medical bill can exhaust your years of savings. Financially speaking, a serious illness can take you a few years back. However, Adamjee Health Insurance provides you with brilliant healthcare options. In case of hospitalization, Adamjee Health Insurance covers your medical bills ensuring that you receive the best care without denting your savings. Table of Content * [Why you should choose Adamjee Health Insurance?](#why-you-should-choose-adamjee-health-insurance) * [Top Adamjee Health Insurance Plans in UAE](#top adamjee-health-insurance-plans-in-uae) * [Benefits Coverage](#benefits-coverage) * [Network Coverage](#network-coverage) * [Types of Adamjee Health Insurance Policies](#types-of-adamjee-health-insurance-policies) * [Am I eligible to purchase Adamjee Health Insurance?](#am-i-eligible-to-purchase-adamjee-health-insurance) * [Documents Required](#documents-required) * [How can I purchase Adamjee Health Insurance?](#how-can-i-purchase-adamjee-health-insurance) ## Why you should choose Adamjee Health Insurance? Adamjee Health Insurance offers several unique benefits that provide you premium medical care at a low premium. Here are some of the expenses covered by Adamjee Health Insurance: * DHA Compliant Plan * Hospitalization and services * Coronary Artery Disease Treatment * Intensive Care Unit * Consultant Fee * Physician Fee * Anesthetist Fee * Chemotherapy, Radiation Therapy, and Physiotherapy * Cost of Repatriation * Ambulance Service * Organ Transplantation service excluding expenses and charges related to the donor * Use of hospital medical equipment such as heart and lung support systems * Outpatient Treatment with multiple options * Vaccinations * Maternity cost * Dental cost (optional) \*Please note that the aforementioned benefits are not applicable for Abu Dhabi and Al Ain Policies. ## Top Adamjee Health Insurance Plans in UAE | Plan Name | Medical Cover (AED) | Network | Price | | --- | --- | --- | --- | | Silk Road - Plan A | 1,000,000 | Upto Medical Cover | View Quotes | | Silk Road - Plan B | 1,000,000 | Upto Medical Cover | View Quotes | | Silk Road - Plan C | 1,000,000 | Upto Medical Cover | View Quotes | | See More Plans >> | ## Benefits Coverage | Plan | Family Care | | --- | --- | | Annual Benefit Limit per person | AED 1,000,000/- | | Geographical Scope of Coverage for Elective & Emergency Treatment | Worldwide | | Coverage Criteria for Treatment outside UAE | Coverage outside UAE is limited to 90 days per treatment A single holiday or business trip may not exceed 90 days | | Physiotherapy
(Require pre-authorization) | Covered up to 15 sessions/ PMPY | | Alternative Medicine Benefit covers: Osteopathy, Chiropractic, Homeopathy, Acupuncture, Ayurveda and Herbal Treatments | Covered up to AED 1,600/- PMPY
Only on a reimbursement basis | | Vaccination Covered as per MOH schedule
(Require pre-authorization) | Covered both on \*Free Access & reimbursement basis
Reimbursements claims are settled at 100% of actual covered cost subject to a maximum of 100% of Applicable Network rates
\*Free Access facility is available only within specific MedNet Vaccination Network. | | Work-Related Injuries | Covered | | New Born baby coverage | Babies born in UAE - Newborn expenses are covered from day 1 (from Date of Birth) under the policy up to the policy annual limit.
Babies born outside UAE - coverage will be offered upon acquiring UAE residency status and will be subject to medical underwriting.
Coverage for a newborn is in line with DHA benefit guidelines. | | Maternity Cover | Up to AED 10,000 | | C-Section delivery or maternity expense | Up to AED 10,000 | | Maternity related medical emergency | Up to AED 150,000 | | Dental Cover (Optional) | Free AccessCovered with Pre-authorization only
Co-payment 20% applicableReimbursementAdditional 20% Co-payment applicable over Free access
\*No reimbursement for Silk Road plan inside UAE. | ## Related Health Insurance [Family Health Insurance](https://www.policybazaar.ae/family-health-insurance-hic/) [Senior Citizen Health Insurance](https://www.policybazaar.ae/senior-citizen-health-insurance-hic/) [Individual Health Insurance](https://www.policybazaar.ae/individual-health-insurance-hic/) [Critical Illness Health Insurance](https://www.policybazaar.ae/critical-illness-health-insurance-hic/) [Health Insurance for Kids](https://www.policybazaar.ae/health-insurance-for-kids-hiart/) [Private Medical Insurance](https://www.policybazaar.ae/health-insurance/private-medical-insurance/) ## Network Coverage Adamajee Insurance has allied with numerous hospitals across the UAE to provide you with the best cashless medical care. However, the hospitals covered in the cashless hospitalization network vary according to the [health insurance uae](https://www.policybazaar.ae/health-insurance/) plan you choose. Adamjee Health Insurance is available in five network plans: * [Gold](https://www.policybazaar.ae/health-insurance/adamjee-gold/) * [Silver Premium](https://www.policybazaar.ae/health-insurance/adamjee-silver-premium/) * [Silver Classic](https://www.policybazaar.ae/health-insurance/adamjee-emerald/) * Green * Silk Road Please note that in Silk Road Plan, outpatient treatment restricts to the clinic only. However, after the clinic hours, outpatient treatment can be availed at network hospitals between 10 PM and 8 AM. Adamjee Network Hospitals [Adamjee Network Hospital in Abu Dhabi](https://www.policybazaar.ae/network-hospitals/adamjee-insurance-hospital-list-abu-dhabi/) [Adamjee Network Hospital in Ajman](https://www.policybazaar.ae/network-hospitals/adamjee-insurance-hospital-list-ajman/) [Adamjee Network Hospital in Al Ain](https://www.policybazaar.ae/network-hospitals/adamjee-insurance-hospital-list-al-ain/) [Adamjee Network Hospital in Dubai](https://www.policybazaar.ae/network-hospitals/adamjee-insurance-hospital-list-dubai/) [Adamjee Network Hospital in Fujairah](https://www.policybazaar.ae/network-hospitals/adamjee-insurance-hospital-list-fujairah/) [Adamjee Network Hospital in Ras Al Khaimah](https://www.policybazaar.ae/network-hospitals/adamjee-insurance-hospital-list-ras-al-khaimah/) [Adamjee Network Hospital in Sharjah](https://www.policybazaar.ae/network-hospitals/adamjee-insurance-hospital-list-sharjah/) [Adamjee Network Hospital in Umm Al Quwain](https://www.policybazaar.ae/network-hospitals/adamjee-insurance-hospital-list-umm-al-quwain/) ## Types of Adamjee Health Insurance Policies * Individual Health Insurance Plan * Group Health Insurance Plan ### Individual Health Insurance Plan Individual Adamjee Health Insurance Plan is suitable for those who are single or without any family responsibility. If you are looking for a health cover for just one person, this [individual medical insurance](https://www.policybazaar.ae/individual-health-insurance-hic/) plan will suit your needs. ### Group Health Insurance Plan Group Adamjee Health Insurance Plan is usually beneficial for those who are looking to purchase health coverage for entire families or companies and corporates seeking health cover for their employees. Providing a health insurance plan for a group, this plan is cheaper to cover many people. ## Am I eligible to purchase Adamjee Health Insurance? You are eligible to purchase Adamjee Health Insurance in the UAE if: * You are a UAE national or expat residing in the UAE * Your age is above 18 years old ## Documents Required As per [Dubai Health Authority](https://www.policybazaar.ae/health-insurance/articles/dubai-health-authority/) guidelines, these are the following documents you require to purchase Adamjee Health Insurance policy in the UAE: Overseas treatment application signed by the applicant, \- An approved medical report, \- Valid passport, \- Family book or a copy of the supreme decree, \- A valid UAE identity card. \- Health insurance card-if any. \-Overseas treatment undertaking Top Health Insurance Provider in UAE [Dubai Insurance](https://www.policybazaar.ae/insurance-companies/dic-health-insurance/) [Sukoon Insurance](https://www.policybazaar.ae/oman-health-insurance-hipvd/) [Takaful Emarat Insurance](https://www.policybazaar.ae/takaful-emarat-health-insurance-hipvd/) [HAYAH Insurance](https://www.policybazaar.ae/insurance-companies/hayah-health-insurance/) [Orient Insurance](https://www.policybazaar.ae/orient-health-insurance-hipvd/) [Cigna Insurance](https://www.policybazaar.ae/cigna-health-insurance-hipvd/) [Orient Takaful Insurance](https://www.policybazaar.ae/insurance-companies/orient-takaful-health-insurance/) [SALAMA Insurance](https://www.policybazaar.ae/salama-health-insurance-hipvd/) [Liva Health Insurance](https://www.policybazaar.ae/insurance-companies/liva-health-insurance/) [Watania Takaful Insurance](https://www.policybazaar.ae/insurance-companies/watania-takaful-health-insurance/) [National Insurance Company - Daman](https://www.policybazaar.ae/daman-health-insurance-hipvd/) [Al Sagr Insurance](https://www.policybazaar.ae/insurance-companies/al-sagr-health-insurance/) [ADNIC Insurance](https://www.policybazaar.ae/adnic-health-insurance-hipvd/) [DNI Insurance](https://www.policybazaar.ae/insurance-companies/dnirc-health-insurance/) [RAK Insurance](https://www.policybazaar.ae/rak-health-insurance-hipvd/) [Alliance Insurance](https://www.policybazaar.ae/insurance-companies/alliance-health-insurance/) [Allianz Insurance](https://www.policybazaar.ae/insurance-companies/allianz-care-health-insurance/) [Metlife Insurance](https://www.policybazaar.ae/metlife-health-insurance-hipvd/) [Union Insurance](https://www.policybazaar.ae/union-health-insurance-hipvd/) [GIG Gulf Insurance](https://www.policybazaar.ae/axa-health-insurance-hipvd/) ## How can I purchase Adamjee Health Insurance? To purchase Adamjee Health Insurance, you can choose between offline and online platforms. ### Offline If you wish to buy Adamjee Medical Insurance offline: * Visit Adamjee Insurance Company’s nearest branch * Provide duly signed Adamjee Health Insurance form with required documents * Submit the premium amount ### Online You can also buy Adamjee Medical Insurance without going anywhere from the comfort of your home through an online platform: * Visit Adamjee Health Insurance UAE webpage * Fill the e-form on the page requiring your name, contact details, and the type of plan you wish to purchase * The company’s executive will get in touch with you to further the process Alternatively, you can purchase Adamjee Health Insurance from our health insurance page: * Visit policybazaar.ae health insurance page * Fill in the e-form * Find Adamjee Health Insurance quotations * Select the plan * The company’s executive will contact you to finalize the plan and submit the payment **Conclusion** With the Adamjee Health Insurance plan, you can find financial cover for your and your family’s health at a reasonable price. There are several options to purchase an Adamjee Health Insurance plan. However, for a smooth and hassle-free purchase, you can visit our website’s health insurance and purchase an Adamjee Health Insurance policy in minutes. You May Also Know About Health guide: * [Asthma](https://www.policybazaar.ae/health-insurance/articles/everything-you-need-to-know-about-asthma/) * [Chickenpox](https://www.policybazaar.ae/health-insurance/articles/chickenpox-symptoms-causes-treatment-prevention-and-insurance/) * [Kidney Cancer](https://www.policybazaar.ae/health-insurance/articles/kidney-cancer-symptoms-risk-factors-treatment-prevention-and-insurance-options/) * [Tuberculosis (TB)](https://www.policybazaar.ae/health-insurance/articles/medical-insurance-plans-for-tuberculosis/) * [Infectious Diseases](https://www.policybazaar.ae/health-insurance/articles/infectious-diseases-types-symptoms-causes-treatment-and-insurance/) * [Cardiovascular Diseases](https://www.policybazaar.ae/health-insurance/articles/cardiovascular-diseases-symptoms-causes-treatment-and-insurance-options/) * [Liver Cirrhosis](https://www.policybazaar.ae/does-health-insurance-cover-liver-cirrhosis-hiart/) * [Liver Cancer](https://www.policybazaar.ae/health-insurance/articles/liver-cancer-symptoms-risk-factors-treatments-and-insurance-options/) * [Organ Transplant](https://www.policybazaar.ae/critical-illness-insurance-for-organ-transplant-hiart/) * [Gastrointestinal Diseases](https://www.policybazaar.ae/health-insurance/articles/gastrointestinal-diseases-symptoms-causes-treatment-and-insurance/) * [Psychological Disorders](https://www.policybazaar.ae/does-health-insurance-cover-psychological-disorders-hiart/) * [Lung Cancer](https://www.policybazaar.ae/health-insurance/articles/lung-cancer-risk-factors-diagnosis-treatment-and-insurance-options/) * [Stroke](https://www.policybazaar.ae/health-insurance/articles/best-critical-health-insurance-plan-for-stroke/) * [Breast Cancer](https://www.policybazaar.ae/health-insurance/articles/breast-cancer/) * [Depression](https://www.policybazaar.ae/health-insurance/articles/what-is-depression/) * [Skin Cancer](https://www.policybazaar.ae/health-insurance/articles/skin-cancer/) ### Adamjee Health Insurance FAQ's ### What are the benefits of purchasing Adamjee health insurance? Some of the key benefits of purchasing a health insurance policy from Adamjee Insurance are provided in the form of cover for the following - * Hospitalisation service * Ambulance service * Vaccinations * Maternity expenses * Organ transplantation facility ### Who is eligible for purchasing an Adamjee health insurance policy?  To buy Adamjee health insurance, the applicant must be a UAE resident, national, or ex-pat. Additionally, the individual must be at least 18 years old to be considered eligible. ### What type of health insurance policies are available at Adamjee insurance company? The Adamjee insurance company offers two types of health insurance, namely, individual health insurance and group health insurance. ### Does Adamjee insurance include newborn cover in its health insurance plan? Yes, Adamjee insurance includes newborn cover in its health insurance plans. ### How to buy a health insurance policy from Adamjee? You can buy Adamjee health insurance from the official website of Adamjee Insurance or one of its branches. You can also do the same at policybazaar.ae. ### What is the list of documents required for purchasing health insurance from the Adamjee insurance company? When availing of a health insurance policy from the Adamjee insurance company, you will be required to present the following documents - * A medical report signed by the physician * Health insurance card * Emirates ID (or any other valid UAE ID card) * A copy of a valid passport * Family Book * Overseas Treatment Undertaking (if applicable) | ### Important Articles Related Health Insurance | | --- | | [How to Check Medical Insurance Status with Emirates ID](https://www.policybazaar.ae/how-to-check-medical-insurance-status-with-emirates-id-hiart/) | [Top 10 Health Insurance Companies](https://www.policybazaar.ae/top-10-health-insurance-companies-in-uae-hiart/) | | [A to Z of Getting a Health Card in UAE](https://www.policybazaar.ae/what-is-health-card-in-uae-hiart/) | [Can You Buy Health Insurance for New Born Baby in UAE?](https://www.policybazaar.ae/can-you-buy-health-insurance-for-new-born-baby-in-uae-hiart/) | | [Where Can I Get Medical Help Without Having Health Insurance?](https://www.policybazaar.ae/where-can-i-get-medical-help-without-having-health-insurance-hiart/) | [Health Insurance for Dependents in Dubai](https://www.policybazaar.ae/5-minute-guide-to-choosing-the-best-health-insurance-for-dependents-hiart/) | | [Best Short-term International Health Insurance in UAE](https://www.policybazaar.ae/health-insurance/articles/best-short-term-international-health-insurance-in-uae/) | [Is IVF covered by Health Insurance](https://www.policybazaar.ae/is-ivf-covered-by-health-insurance-hiart/) | | [Different Types of Health Insurance in UAE](https://www.policybazaar.ae/different-types-of-health-insurance-in-uae-hiart/) | [How to Renew Daman Health Insurance Online?](https://www.policybazaar.ae/how-to-renew-daman-health-insurance-online-hiart/) | | [Health Insurance Claim Settlement](https://www.policybazaar.ae/health-insurance-claim-settlement-hiart/) | [Delmicron – What is it and How is it Different from Omicron?](https://www.policybazaar.ae/health-insurance-articles-what-is-delmicron-and-how-is-it-different-from-omicron/) | | [Dos and Don’ts of recovering from COVID-19](https://www.policybazaar.ae/dos-and-donts-of-recovering-from-covid-19-hiart/) | [Free Annual Health Check-up - What is it and How you can get one?](https://www.policybazaar.ae/health-insurance-with-free-annual-health-check-ups-hiart/) | | How to Check if Your Health Insurance is Active Online? | [Health Insurance Grace Period](https://www.policybazaar.ae/health-insurance/articles/grace-period-in-health-insurance-uae/) | ### **Popular Health Insurance Searches:** [Health Insurance Dubai](https://www.policybazaar.ae/health-insurance/) | [UAE Medical Insurance Prices](https://www.policybazaar.ae/health-insurance/medical-insurance/) | [Health Insurance for Parents](https://www.policybazaar.ae/senior-citizen-health-insurance-hic/) | [Maternity Insurance UAE](https://www.policybazaar.ae/health-insurance/articles/maternity-insurance-in-uae/) | [Health Insurance for Child in UAE](https://www.policybazaar.ae/health-insurance-for-kids-hiart/) | [Family Health Insurance](https://www.policybazaar.ae/family-health-insurance-hic/) | [Dental Insurance in UAE](https://www.policybazaar.ae/health-insurance/articles/dental-insurance-in-uae/) | [Individual Health Insurance](https://www.policybazaar.ae/individual-health-insurance-hic/) | [Health Insurance in Abu Dhabi](https://www.policybazaar.ae/health-insurance-abu-dhabi/) | [Health Insurance in Sharjah](https://www.policybazaar.ae/health-insurance/health-insurance-in-sharjah/) **You May Also Know -** [Car Insurance UAE](https://www.policybazaar.ae/car-insurance/) | [Best Car Insurance in UAE](https://www.policybazaar.ae/car-insurance/articles/top-10-car-insurance-companies-in-dubai/) | [Third Party Car Insurance](https://www.policybazaar.ae/third-party-car-insurance-cic/) | [Comprehensive Car Insurance](https://www.policybazaar.ae/comprehensive-car-insurance-cic/) Other Insurance By adamjee * [Adamjee Car Insurance](https://www.policybazaar.ae/adamjee-car-insurance-cipvd/) * [Adamjee Travel Insurance](https://www.policybazaar.ae/insurance-companies/adamjee-travel-insurance/)