Abu Dhabi National Insurance Company (ADNIC), established in 1972, has played a crucial role in ensuring that UAE citizens have access to high-quality medical care without affecting their savings. The ADNIC SHIFA individual plan or the ADNIC family medical insurance plans are the individual and ...read more
Incorporated in 1972, the Abu Dhabi National Insurance Company (ADNIC) has been pivotal in providing excellent and accessible health care to residents of the UAE. The ADNIC health insurance plan is available in four categories, with varying levels of coverage offered under each. Since 2015, the ADNIC medical insurance organization has been ranked as the third largest healthcare issuer in the UAE.
ADNIC health insurance policies aside, the Abu Dhabi National Insurance Company (ADNIC) is also highly regarded for its pragmatic risk underwriting process. Abu Dhabi National Insurance health insurance plans are split up into varying categories in order to give customers options and to let them to opt-in for the exact amount of coverage they require.
In addition to the ADNIC health insurance product, ADNIC also offers various non-life insurance products such as home, motor, travel and wedding insurance. The Abu Dhabi National Insurance health insurance plans encompass a wide range of unforeseen scenarios, from organ transplants to home nursing and more. In the following sections, we will take a look at the various features, benefits and exclusions of the different categories of ADNIC health insurance policies.
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The ADNIC medical insurance is available in individual and family plans, known as the ADNIC SHIFA individual plan or as the ADNIC family medical insurance plan. The features and benefits of an ADNIC health insurance plan are as follows:
ADNIC health insurance is available in four categories, known as its four tiers. These are namely the Bronze, Silver, Gold and Platinum tiers of the ADNIC medical insurance As is evident by the tier names, the Bronze tier is the least expensive ADNIC health insurance plan and the Platinum tier plan is the costliest.
The Abu Dhabi National Insurance Company health insurance dubai plan offers a generous maximum annual limit of AED 5 million for coverage across the UAE and overseas alike. The ADNIC health insurance plan is available in more than 195 countries across the globe and at more than 700,000 providers globally.
ADNIC health insurance family plan members are may upgrade their tier at any time during their plan’s validity. This is unfortunately not offered for individual ADNIC medical insurance plan holders.
It is very rare to find a health insurance provider that offers coverage for pre-existing or chronic conditions, however, the ADNIC health insurance does just that. The ADNIC medical insurance plans offer incredible protection for customers with pre-existing and chronic conditions unlike any other.
The Abu Dhabi National Insurance Company health insurance plan covers its policyholders in the event of accidents or injuries incurred during the course of work. The ADNIC health insurance also offers a maternity leave cover up to the full annual limit offered by ADNIC.
While the dental and optic cover is not included in the ADNIC health insurance plan, customers can avail of the services in a few quick steps and a nominal additional charge. This is offered to individual and family plan members alike.
The ADNIC claim form can be submitted from anywhere around the world, even if it is at a hospital outside the ADNIC connectivity, for no extra cost. The ADNIC medical insurance plan aims to make medical aid as easy possible for customers.
There are four major categories of the ADNIC health insurance policy, the details of which are provided below:
As members of the bronze tier ADNIC medical insurance plan, customers are offered a maximum available limit of AED 250,000 per year. Policyholders with a pre-existing condition can also avail of the full Abu Dhabi National Insurance Company health insurance plan limit of AED 250,000. Bronze tier policyholders may only access ADNIC health insurance coverage within the UAE.
The silver tier of the ADNIC health insurance policy grants policyholders access to a maximum yearly limit of AED 500,000. Also offered to silver tier ADNIC medical insurance customers / ADNIC health insurance contact number is a medical appliance cover of AED 5,000. Silver tier ADNIC health insurance customers are covered all across the globe except for in USA, Canada and Europe.
Benefits of a gold tier Abu Dhabi National Insurance Company health insurance plans far surpass the previously mentioned tiers of ADNIC health insurance. A gold tier ADNIC medical insurance plan offers maximum yearly limits of AED 2 million. This yearly cover limit also includes the use of medical appliances for up to AED 25,000. Gold tier ADNIC medical insurance cover is offered nearly all over the globe, with the only exception of the USA and Canada.
In addition to an extremely generous yearly limit of AED 5 million, the platinum tier ADNIC medical insurance cover limit also includes up to AED 50,000 worth of medical appliance costs. The platinum tier ADNIC health insurance policy covers policyholders all over the globe with no exception.
Let us take a look at the numerous medical conditions and operations that the different tiers of ADNIC health insurance policy offer to policyholders. We have detailed the inclusions tier-wise for the ADNIC medical insurance policy.
In addition to the coverage offered by the bronze tier ADNIC medical insurance plan, the silver tier ADNIC health insurance policy also offers all of the following:
The gold tier of the Abu Dhabi National Insurance Company health insurance plans offers all of the benefits of the silver tier an ADNIC health insurance policy, as well as the benefits listed below:
Not only are platinum ADNIC medical insurance policyholders offered all of the previously mentioned benefits, but also receive the following covers:
ADNIC medical insurance does not cover the policyholder’s dental or optical medical expenses. However, these covers can also be purchased policyholders for a minimal yearly cost as described below.
The ADNIC health insurance cover for optical medical expenses is available in the following formats:
Dental care coverage can be purchased with any Abu Dhabi National Insurance Company health insurance plan. This is further split into two categories under Routine and Major dental care.
Routine Dental Care
Major Dental Care
ADNIC health insurance products are some of the most preferred health insurance plans in the UAE with comprehensive coverage, high assured sum, and a widespread network list. ADNIC network hospital list is designed to ensure that every customer can choose a hospital of their liking
By taking the ADNIC claim form online, ADNIC has allowed policyholders to quickly and painlessly reimburse their medical expenses. In order to begin the process of submission for the Abu Dhabi National Insurance mediclaim insurance in the UAE applicants will have to follow these simple steps:
Step 1: Download the ADNIC claim form, available on the ADNIC website.
Step 2: Get the ADNIC claim form signed off by the practising physician.
Step 3: Submit the ADNIC claim form, medical reports and all associated medical bills (that have been stamped as ‘Paid’) for approval.
It takes up to 14 working days for the Abu Dhabi National Insurance mediclaim insurance in the UAE to be approved, and for the reimbursed amount to be credited to the policyholder.
Note: Any ADNIC claim forms for treatments that are older than 120 days will not be entertained by ADNIC.
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Health and medical insurance claims under AED 2,500 are generally processed within 7 working days. However, claims worth more than AED 2,500 are usually handled in 14 working days from the date of filing.
For pre-approval within the network, the provider will take care of the documents for you. For overseas treatment, on the other hand, the documents to be provided include the medical report, preliminary cost estimate, and investigation reports.
Usually, pre-approval requires one to two days for non-emergency cases. However, no pre-approval will be required if it is an emergency.
More widely referred to as ADNIC basic Medical Insurance Plan, this type of plan provides cover for all your necessary medical needs. Most of the medical services offered both as an inpatient and an outpatient, including costs associated with diagnosis, medical treatment, medications, child vaccinations, pregnancy, and maternity, are covered by the ADNIC Basic Medical Insurance Plan.
Moreover, the ADNIC Basic Plan also includes a number of value-added features such as the Global Emergency Services Package, which can help you if you are travelling or away from home.
The Shifa individual health insurance plan offers both domestic and international health insurance plans and a tier-based selection system.
The following are the documents necessary for making an insurance claim –
The following are the key diagnostics covered under the plan –
The ADNIC health card includes information about your coverage and deductibles as well as the duration of your health insurance plan. You can use this card to avail yourself of the required medical benefits as soon as you are enrolled in a legitimate health insurance plan.
With the exception of the USA and Canada, the Gold plan provides complete coverage for both inpatient and outpatient services worldwide. Notably, groups can choose between regular dental care and extensive dental care here, with even vision care being available as a group option.