# Adamjee - Pearl **Published:** 2023-08-03 **Updated:** 2025-09-05 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/adamjee-pearl/ Adamjee Pearl ensures health insurance coverage for families, encompassing a wide range of medical services such as maternity care, outpatient/inpatient services, diagnostics costs etc. Adamjee offers flexibility and customizable features to tailor-fit your families’ needs and your budget. 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 NamePearl Cover AmountAED 1,000,000 Pharmacy LimitUpto AED 1,000,000 TPAMEDNET ## Adamjee - Pearl Details Maternity Cover Maternity Cover \- Normal 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 Waiting Period Maternity Maternity Waiting Period 40 days No waiting period for maternity coverage upon payment of an additional premium, as per underwriting guidelines – coverage begins from Day 1. Chronic Condition New chronic condition will be covered from Day One Pre-existing diseases (PED) 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. Dental and Gum Treatment Dental Covered subject to the following: • Sub-limit: AED 3,500 • Coinsurance: 20% Hearing and Vision Aids Covered only in cases of medical emergencies Coverage Type Full Access Out-Patient Services New Born Cover As per DHA benefit guidelines. Laboratory Tests Covered with 0% co-pay per invoiceCovered with 20% co-pay per invoice Covered with 10% co-pay per invoice Physiotherapy Treatment Fully Covered - 0% Co-paymentFully Covered - 20% Co-paymentFully Covered - 10% Co-payment Dental Free Access - Covered with 20% Co-Payment with an annual Sub-Limit of AED 3,500, Reimbursement - Additional 20% co-payment applicable over free access with annual sub limit of AED 3,500 Vaccinations (Adults) Covered both on Free Access & reimbursement basis Physician Consultation Covered with Co-pay of 20% max 50 per consultation In-Patient Services Room Type Private Room Ambulance Service Covered Pre-existing conditions All pre-existing medical conditions should be declared in the Medical Application Form and is subject to medical underwriting. Undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at renewal. Parent Accommodation for child under 18 years For children upto 16 Years of Age - Covered maximum up to 100 AED per night Repatriation of Mortal Remains to Home Country Covered up to AED 7,500/- Network Network List Pearl Essential Vaccines & Preventive Services Alternative Medicine Covered up to AED 1,600/- PMPY ## 43 Adamjee - Pearl Added Network Hospitals Search Plan Name Plan Name Type Type Name Address LIFECARE HOSPITAL (Hospitals) BANIYAS STREET, WATHBA, GATE NO. 6 AL RAHA VILLAGE - 02-5856333 LLH HOSPITAL L.L.C./MF1954 (FORM LIFELINE HOSPITAL) (Hospitals) ELECTRA STREET, AL MARWA BUILDING - 02-6335522 LLH HOSPITAL AL MUSAFFAH LLC (Hospitals) MUSSAFAH, ALI KAHBOUS AL ZAABI - 02-5557711 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 SPECIALISED MEDICAL CARE HOSPITAL (Hospitals) AL JAHLI STREET, NEAR AL AIN MUESUM - 03-7552291 MEDEOR 24X7 HOSPITAL LLC (Hospitals) MUROOR ROAD, OPP EMPOST, MADINAT ZAYED AREA - 02-6900600 LIFECARE HOSPITAL LLC-BRANCH 1-LIFELINE GROUP/MF2420 (Hospitals) MUSAFFAH - 02-5566666 PHOENIX HOSPITAL LLC (prev. AL BUSTAN SPECIALTY HOSPITAL AUH AHALIA GROUP) (Hospitals) PLOT 1 SHABIA 10 MUSSAFAH - 02-6151515 AMINA HOSPITAL LLC (Excluding Dr. Naim Satme and Dr. Sohair Mohammed El Ameen Ibrahim Ali) (Hospitals) NEAR EMIRATES NBD BANK, AL QUDS STREET - 06-7114444 SHEIKH KHALIFA GENERAL HOSPITAL AJMAN (Hospitals) AL JURF -UNIVERSITY STREET - 06-7117081 \*Network lists are subject to change as per the discretion of the Insurer. 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