# Adamjee - Emerald **Published:** 2023-08-03 **Updated:** 2025-09-04 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/adamjee-emerald/ Adamjee Emerald guarantees health insurance for you and your family, incorporating an extensive array of medical services, including but not limited to prescription drugs coverage, consultation costs, outpatient/inpatient services, and others. Adamjee Emerald is designed with flexibility and personalized options to perfectly align with your family's unique requirements and financial preferences. 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. Plan Summary Plan NameEmerald Cover AmountAED 1,000,000 Pharmacy LimitUpto AED 1,000,000 TPAMEDNET ## Adamjee - Emerald Details Maternity Cover Out-patient Maternity Services Out Patient eligible Maternity expenses are covered up to Annual limit: 10% co-payment applicable on all Maternity treatments, including out-patient Maternity consultation (no Deductible applies)The following screening tests are covered as per DHA Antenatal care protocol: FBC and Platelets, Blood group, Rhesus status and antibodies, VDRL, MSU & urinalysis, Rubella serology, HIV, Hepatitis C offered to high risk patients, GTT, if high risk FBS, Random blood sugar OR HbA1C, Ultrasonography: 3 scans In-patient Maternity Services 1\. Pre & Post natal treatments 2. Normal delivery 3. Medically necessary Caesarean Section 4. Maternity related Complications 5. Medically necessary legal terminations \* In-patient maternity treatment are subject to prior approvalNormal Delivery expenses are covered up to a sub limit of AED 10,000/-Medically necessary Caesarean Section and complication expenses are covered up to a sub limit of AED 10,000/-Any Medical Emergency expenses related to Maternity will be covered up to a sublimit of AED 150,000/- Waiting Period Maternity any pregnancy, which arises within forty calendar days from the date of policy issuance, shall not be covered under this policy under any condition No waiting period for maternity coverage upon payment of an additional premium, as per underwriting guidelines – coverage begins from Day 1. Chronic Condition All medical underwritten conditions will have no waiting period. Undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at renewal. Pre-existing diseases (PED) Covered only if declared on additional payment Additional Information No waiting period applies to the above cases upon payment of an additional premium, as per underwriting guidelines—coverage begins from Day 1. Also, for renewals, no waiting period is applicable. Hospital Access Direct access to hospital Dental and Gum Treatment Dental Free Access - Covered with pre-authorization only - Co-payment 20% applicableReimbursement\* - Additional 20% co-payment applicable over free access \*No reimbursement for Silk Road NW inside UAE.Covered with Annual sub-limit of AED 3,500Covered Emergency Dental treatment for accidental damage to natural teeth Under this benefit the treatment required within three months following accidental damage to sound natural teeth caused by a violent external means when the treatment is given by a Physician, dentist or dental surgeon is covered. \*No treatment will be covered after 3 months of the accident. \*\*Treatment required as the result of the consumption of food or drink or any foreign bodies contained in such food or drink is not covered. Dental Consultation Covered Coverage Type Full Access Out-Patient Services Co-Payment 20% co-payment upto AED 50 Laboratory Tests Covered with 0% co-pay per invoiceCovered with 10% co-pay per invoiceCovered with 20% co-pay per invoice Physician Consultation Covered with Co-pay of 20% max 50 per consultation Pharmaceuticals Covered with 0% co-pay per invoiceCovered with 10% co-pay per invoiceCovered with 20% co-pay per invoice In-Patient Services Room Type Private Ambulance Service Covered (in Medical Emergency only and if followed by admission) Companion Accomodation Covered (maximum up to 100 AED per night)The cost of accommodation of a person accompanying a beneficiary below 16 years of age in the same room in cases of medical necessity at the recommendation of the treating doctor and with prior approvalThe cost of accommodation of a person accompanying a beneficiary below 16 years of age in the same room in cases of medical necessity at the recommendation of the treating doctor and with prior approval Organ transplant Covered (Recipient Organ transplantation service, excluding any charges related to Donor) Repatriation of Mortal Remains to Home Country Covered up to AED 7,500/- Hospital Accommodation and related Services Covered Intensive care unit and coronary artery disease treatment Covered Consultant’s, Surgeon’s and Anaesthetist's Fees Covered Various therapies including physiotherapy, chemotherapy, radiation therapy etc Covered Use of hospital medical equipments (e.g. heart and lung support systems etc.) Covered Pre-Existing and Chronic Conditions Pre-existing conditions All pre-existing medical conditions should be declared in the Medical Application Form and is subject to medical underwriting.All declared Pre-existing and Chronic conditions are covered with a sub limit of AED 150,000/-Undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at renewal. Network OP- Mednet - Emerald IP - Mednet - Emerald Other Services New Born Cover Babies born inside and out-side UAE - New born expenses are covered from Date of Birth under the mother’s card for the first 30days from date of birth upto Annual Benefit Limit of mother. New born babies will be added to the principle policy only upon requested by the policy holder and is subject to Medical underwriting. Coverage for new born are in line with DHA benefit guidelines.Babies born inside and out-side UAE - New born expenses are covered from Date of Birth under the mother’s card for the first 30days from date of birth upto Annual Benefit Limit of mother. New born babies will be added to the principle policy only upon requested by the policy holder and is subject to Medical underwriting. Coverage for new born are in line with DHA benefit guidelines. Laboratory Tests Nil co-payment.10% co-payment20% co-payment Physiotherapy Treatment Covered up to 15 sessions/ Per member Per year\*Approval protocol for Free access at network providers will follow DHA guidelinesCovered with 20% co-pay per invoice Cancer Treatment Cancer Screening, healthcare services, investigations and treatments only for members who are enrolled under "Patient Support Program" only. Covered as per terms, conditions and exclusions of the program defined by DHACancer Screening, healthcare services, investigations and treatments only for members who are enrolled under "Patient Support Program" only. Covered as per terms, conditions and exclusions of the program defined by DHA Preventive services Preventive services covered for members over 18 years of age \*Prior Approval is required for Free Access facility(Non AUH)Diabetic Screening: Fasting Blood Sugar and HBA1C tests are covered once a policy year for eligible membersDiabetic Screening: Fasting Blood Sugar and HBA1C tests are covered once a policy year for eligible members HCV Hepatitis C Virus Infection Screening, healthcare services, investigations and treatments related to viral Hepatitis and associated complications related to Hepatitis C shall only be for members enrolled under Patient Support Program. Covered as per terms, conditions and exclusions of the program defined by DHA Day care Treatment Covered Out Patient Surgery Covered Emergency Mental health Treatments Covered Work Related Injuries Covered MedNet’s Global Emergency Assistance services No Financial limitations applicable under this benefit - Worldwide Emergency Medical Evacuation - Worldwide Hospital Admission Assistance - Repatriation of mortal remains to home country from anywhere in the world, including country of residence. - Medical Consultation, Evaluation, Referral & Monitoring - Care of minor children & Compassionate visit \*For detailed information please refer Assist America Table of Benefit Essential Vaccines & Preventive Services Co-Payment Covered Policybazaar Exclusive Offer For Pakistani Nationality If family Size = 1 then the spouse only gets per person benefit limit of 350000 AED and room limit is 12000 AEDFamily size = More than 1 the coverage of 250000 AED is present for Parents only with room limit as 6500 AEDFor family size = More than 1 the coverage of 250000 AED is present for Parents only with room limit as 6500 AED Alternative medicine Covered up to AED 1,600/- PMPY \*\*Only on reimbursement basis Hearing and Vision Aid Covered only in cases of medical emergencies Physiotherapy Treatment Covered with 0% co-pay per invoiceCovered with 10% co-pay per invoiceCovered with 20% co-pay per invoice Region Coverage Worldwide ## 75 Adamjee - Emerald Added Network Hospitals Search Plan Name Plan Name Type Type Name Address Lifecare Hospital , Remarks (Silk Road OP Is Covered For The DXB/NE Al Futtaim Group Policy Holder For The OP/IP) (Hospitals) Baniyas Street, Wathba, Gate No. 6 Al Raha Village - 02-5856333 NMC Specialty Hospital (Hospitals) Electra Street, Al Kamal Towers - 02-6332255 LLH Hospital L.L.C./MF1954 (Form Lifeline Hospital) , Remarks (Silk Road OP Is Covered For The DXB/NE Al Futtaim Group Policy Holder For The OP/IP) (Hospitals) Electra Street, Al Marwa Building - 02-6335522 Ahalia Hospital (Hospitals) Hamdan Street, Opposite Bank Of Baroda. - 02-6262666 Al Ahalia Hospital LLC - Musaffa Branch / MF3107 (Hospitals) Mussafah - 02-8119119 LLH Hospital Al Musaffah LLC , Remarks (Silk Road OP Is Covered For The DXB/NE Al Futtaim Group Policy Holder For The OP/IP) (Hospitals) Mussafah, Ali Kahbous Al Zaabi - 02-5557711 Almazroui Medical Center One Day Surgery LLC-MF1327- Abu Dhabi (Hospitals) Najda Street ,Al Mazroui Building,Abu Dhabi - 02-6723232 Burjeel Farha Hospital L.L.C. (Formerly Medeor 24X7 International Hospital L.L.C.) (Hospitals) Asharej Commerical & Residential Center, Bida Bin Ammar, Asharej, Al Ain City - 03-7099000 Heart Beat Medical Center & One Day Surgery L.L.C., Al Musharraf (Consultant Medical Center) (Hospitals) Sheikh Rashid Bin Saeed St Musharraf Area, Abu Dhabi. - 02-4449494 Specialised Medical Care Hospital (Hospitals) Al Jahli Street, Near Al Ain Muesum - 03-7552291 \*Network lists are subject to change as per the discretion of the Insurer. ### **Health Insurance Popular Searches** [Health Insurance](https://www.policybazaar.ae/health-insurance/) | [Health Insurance Cost in Dubai](https://www.policybazaar.ae/health-insurance/medical-insurance/) | [Health Insurance for Kids](https://www.policybazaar.ae/health-insurance-for-kids-hiart/) | [Family Health Insurance](https://www.policybazaar.ae/family-health-insurance-hic/) | [Dental Insurance](https://www.policybazaar.ae/health-insurance/articles/dental-insurance-in-uae/) | [Individual Health Insurance](https://www.policybazaar.ae/individual-health-insurance-hic/) | [Health Insurance Abu Dhabi](https://www.policybazaar.ae/health-insurance-abu-dhabi/) | [Medical Insurance Sharjah](https://www.policybazaar.ae/health-insurance/health-insurance-in-sharjah/) | [How to check Medical Insurance status with Emirates ID](https://www.policybazaar.ae/how-to-check-medical-insurance-status-with-emirates-id-hiart/) | [Best Medical Insurance in UAE](https://www.policybazaar.ae/top-10-health-insurance-companies-in-uae-hiart/) | [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/) Other Adamjee Health Insurance Plans [Adamjee - 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