# Adamjee - Silk Road **Published:** 2023-08-03 **Updated:** 2025-09-05 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/adamjee-silk-road/ Adamjee Silk Road 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 NameSilk Road Cover AmountAED 1,000,000 Pharmacy LimitUpto AED 1,000,000 TPAMEDNET ## Adamjee - Silk Road Details Maternity Cover Out-patient Maternity Services 10% coinsurance payable by the insuredRequires prior approval from the insurance company.10% co-payment payable by the Policy Holder. In-patient Maternity Services 10% co-payment payable by the insured.Maximum benefit AED 10,000 per normal delivery, AED 10,000 for medically necessary C-section. AED 150,000 for complications and for medically necessary termination (All limits include co-payment) 10% co-payment New Born Cover Covered 30 days for new born are in line with DHA benefit guidelines. 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 Referral procedure to be followed:- Direct access to specialist in the clinincs Dental and Gum Treatment Co-Payment 20% co-payment upto AED 3500 Covered Covered Hearing and Vision Aids Co-Payment 20% co-payment Coverage Type Specialist Clinic Out-Patient Services Co-Payment 20% max AED 50 per consulation.20% max AED 50 per consulation. Rest all Out Patient Services 10% co-payment20% max AED 50 per consulation. Rest all Out Patient Services 20% co-payment Description From 10 PM to 8 AM Out Patient treatments access is available at Network Hospital Out-Patient (OP Services) From 10 PM to 8 AM Out Patient treatments access is available at Network Hospital In-Patient Services Co-Payment Nil Room Type Private Room Ambulance Service Ground transportation services in the UAE provided by an authorized party for medical emergencies. Companion Accomodation CoveredMaximum AED 100 per night. Territorial Scope Of Coverage Coverage WorldwideInsurance Coverage is only for UAE visa holders.(Exc. AUH/AAN) Network Mednet - Silk roadMednet - Silk road Other Services Laboratory Tests 0% Co-insurance10% co-payment20% co-payment Radiology diagnostic 0% Co-insurance10% co-payment20% co-payment Physiotherapy Treatment Prior approval of the insurance company is required.Maximum 15 sessions per year. Test, diagnosis, treatments related to surgeries in hospitals Prior approval required from the insurance compay / TPA. Emergency Treatment Approval required from the insurance company within 24 hours of admission to the authorized hospital. Healthcare services for emergency cases Prior approval required from the insurance company Medication Co-Payment 0% co-payment10% co-payment20% co-payment Limit upto Policy annual limit Description No cover for drugs and medicines in excess of the annual limit. Restricted to a list of formulary products where available at the physician and the pharmacist. 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 400000 AED and room limit is 12000 AEDFamily size = More than 1 the coverage of 300000 AED is present for Parents only with room limit as 6500 AED Hearing and Vision Aid Only In case of emergency due to accidents. Physiotherapy Treatment 0% Co-payment10% co-payment20% co-payment Region Coverage Worldwide ## 75 Adamjee - Silk Road Added Network Hospitals Search Plan Name Plan Name Type Type Name Address MEDICLINIC HOSPITALS L.L.C. (AIRPORT ROAD HOSPITAL) / MF2270 (In Patient) (Hospitals) AIRPORT ROAD, SHK. MOHD BIN BUTTI BLDG. - 02-4944813 LIFECARE HOSPITAL (Out Patient) (Hospitals) BANIYAS STREET, WATHBA, GATE NO. 6 AL RAHA VILLAGE - 02-5856333 LIFECARE HOSPITAL (In Patient) (Hospitals) BANIYAS STREET, WATHBA, GATE NO. 6 AL RAHA VILLAGE - 02-5856333 LLH HOSPITAL L.L.C./MF1954 (FORM LIFELINE HOSPITAL) (Out Patient) (Hospitals) ELECTRA STREET, AL MARWA BUILDING - 02-6335522 LLH HOSPITAL L.L.C./MF1954 (FORM LIFELINE HOSPITAL) (In Patient) (Hospitals) ELECTRA STREET, AL MARWA BUILDING - 02-6335522 AHALIA HOSPITAL (In Patient) (Hospitals) HAMDAN STREET, OPPOSITE BANK OF BARODA. - 02-6262666 AL AHALIA HOSPITAL LLC - MUSAFFA BRANCH / MF3107 (In Patient) (Hospitals) MUSSAFAH - 02-8119119 LLH HOSPITAL AL MUSAFFAH LLC (Out Patient) (Hospitals) MUSSAFAH, ALI KAHBOUS AL ZAABI - 02-5557711 LLH HOSPITAL AL MUSAFFAH LLC (In Patient) (Hospitals) MUSSAFAH, ALI KAHBOUS AL ZAABI - 02-5557711 MEDICLINIC HOSPITALS L.L.C. (AL JOWHARA HOSPITAL)/MF2984 (In Patient) (Hospitals) CIVIC CENTER, AL AIN - 03-7051781 \*Network lists are subject to change as per the discretion of the Insurer. 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