ADNIC Health Insurance

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ADNIC Health Insurance

Overview

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.

Features & Benefits of the ADNIC Health Insurance

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:

Categories & Scope

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.

Generous Limits

The Abu Dhabi National Insurance Company health insurance 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.

Upgrades

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.

Pre Existing Coverage

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.

Work Assurance

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.

Dental & Optics

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.

No Extra Charges

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.

Types of ADNIC Health Insurance Plans

There are four major categories of the ADNIC health insurance policy, the details of which are provided below:

Bronze Tier

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.

Silver Tier

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 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.

Gold Tier

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.

Platinum Tier

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.

ADNIC Health Insurance Inclusions

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.

Bronze Tier

  1. Yearly limit of AED 250,000.
  2. Valid within the UAE only.
  3. Pre-existing conditions are covered.
  4. Chronic conditions are covered.
  5. Semi-private hospital room expenses are covered.
  6. Ambulance services are offered.
  7. Congenital diseases and birth defects are covered.
  8. Work-related medical expenses are covered.
  9. Maternity medical expenses are covered.
  10. Vaccinations for children are covered as per the directive of the UAE Ministry of Health.
  11. Annual screening expenses cover is offered for up to AED 750.

Silver Tier

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:

  1. Yearly limit of AED 500,000.
  2. Valid everywhere in the world except for Europe, Canada and the USA.
  3. Private hospital room expenses are covered.
  4. Medical appliance usage is covered up to AED 5,000.
  5. Kidney dialysis is covered up to AED 15,000.
  6. Expenses for repatriation of the ADNIC health insurance policyholder’s remains are covered.
  7. Second opinion medical expenses are covered.
  8. Annual screening expenses cover is offered for up to AED 750.
  9. The Silver tier ADNIC medical insurance covers airfare for the policyholder.
  10. Daily hospitalization allowance of AED 100 for up to 10 nights.

Gold Tier

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:

  1. Yearly limit of AED 2 million.
  2. Valid all over the world except in the USA and Canada.
  3. Medical appliance usage is covered up to AED 25,000.
  4. Kidney dialysis is covered up to AED 50,000.
  5. Annual screening expenses cover is offered for up to AED 1,000.
  6. The Gold tier ADNIC medical insurance also covers airfare for the policyholder.
  7. Daily hospitalization allowance of AED 250 for up to 15 nights.
  8. The Gold tier ADNIC health insurance plan covers home nursing, offering a daily allowance of AED 200 and up to 120 days.

Platinum Tier

Not only are platinum ADNIC medical insurance policyholders offered all of the previously mentioned benefits, but also receive the following covers:

  1. Yearly limit of AED 5 million.
  2. Valid everywhere in the world.
  3. Standard hospital suite expenses are covered.
  4. Medical appliance usage is covered up to AED 50,000.
  5. Kidney dialysis is covered up to AED 100,000.
  6. Annual screening expenses cover is offered for up to AED 2,500.
  7. The Platinum tier ADNIC medical insurance also covers airfare for the policyholder.
  8. Daily hospitalization allowance of AED 500 for up to 15 nights.
  9. The Platinum tier ADNIC health insurance plan covers home nursing, offering a daily allowance of AED 200 and up to 180 days.

ADNIC Health Insurance Exclusions

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.

For Optical Care

The ADNIC health insurance cover for optical medical expenses is available in the following formats:

  1. Bronze Tier: Not available for bronze tier ADNIC medical insurance
  2. Silver Tier: Up to AED 500 of cover offered.
  3. Gold Tier: Up to AED 750 of cover offered.
  4. Platinum Tier: Up to AED 1,000 of cover offered.

For Dental Care

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.

a. Routine Dental Care

  1. Bronze Tier: Not available for bronze tier ADNIC medical insurance customers.
  2. Silver Tier: Up to AED 1,500 of cover offered.
  3. Gold Tier: Up to AED 5,000 of cover offered.
  4. Platinum Tier: Up to AED 7,000 of cover offered.

b. Major Dental Care

  1. Bronze Tier: Not available for bronze tier ADNIC health insurance policyholders.
  2. Silver Tier: Not available for silver tier ADNIC medical insurance policyholders.
  3. Gold Tier: Up to AED 5,000 of cover offered.
  4. Platinum Tier: Up to AED 7,000 of cover offered.

ADNIC Medical Insurance Claims Process

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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