ADNIC Individual Health Insurance

Founded in 1972, Abu Dhabi National Insurance Company PJSC (ADNIC) has built a reputation for excellence in the UAE insurance market over 5 decades. As a trusted insurance company, ADNIC collaborates with a wide network of healthcare providers and offers a diverse range of medical plans to help users meet their healthcare needs. ...read more

ADNIC individual health insurance plans are designed to cater to the unique healthcare requirements of individuals. These plans provide a range of benefits and coverage options, ensuring that policyholders receive the medical attention they require when they require it the most.

In this article, we will explore the ADNIC individual health insurance plans in detail and cover their features in detail to help you make an informed choice.

ADNIC Individual Health Insurance Plans

In the following table, we will cover the major ADNIC individual health insurance plans. Note that the network provider for these plans is MSHI or MSH International.

Plan	Details
Shifa Bronze Opt - 4	Medical coverage of up to AED 250,000 Maternity waiting period: No coverage for pregnancy within 40 days of application Pre-existing Disease and Chronic Conditions: No waiting period for medical underwritten conditions. Undeclared pre-existing conditions are not covered and have to be underwritten at renewal. Direct hospital access Out-Patient Services: Includes physiotherapy treatment. Pharmacy Limit: Covered (ADNIC Tier 1 drug list only) Deductible per Consultation: Covered Lab and Scan / X-Ray Deductible: Covered In-Patient Services: Semi-private room type (up to AED 400 per day for emergency cases) Pre-existing and Chronic Conditions: Covered Other Services: Dental and vision care are not covered, while the pharmacy limit is subject to the ADNIC Tier 1 drug list. Deductible for maternity services is 10% (maximum AED 30) per consultation. For other services — 20% (up to AED 30) per consultation Medical Providers Network: Bronze level
Shifa Bronze Opt - 2	Medical coverage of up to AED 250,000 Maternity Waiting Period — No coverage for pregnancies within 40 days of application Pre-existing Disease and Chronic Condition Waiting Period: No waiting period for medical underwritten conditions. Undeclared pre-existing conditions are not covered and require underwriting at the time of renewal. Direct access to hospitals. Physiotherapy included in out-patient services Pharmacy Limit: Covered but limited to the ADNIC Tier 1 drug list. Deductible per Consultation: Covered. Lab and Scan / X-Ray Deductible: Covered In-Patient Services: Semi-Private room type (up to AED 400 per day for emergency cases within the UAE) Pre-existing and Chronic Conditions: Covered. Other Services: No dental or vision coverage. Pharmacy limit is subject to the ADNIC Tier 1 drug list without any no co-insurance. Deductible per Consultation For Maternity Services — 10% (up to AED 30) per consultation For Other Services — 20% (max AED 30) per consultation. Lab and Scan / X-Ray Deductible: No deductible Medical Providers Network: Bronze level
Shifa Bronze Opt - 3	Medical coverage of up to AED 250,000 Maternity Waiting Period: No coverage for pregnancies within the first 40 days of applying Pre-existing Disease and Chronic Condition Waiting Period: No waiting period for medically underwritten conditions. Undeclared pre-existing conditions, not covered during the policy period, are reviewed at renewal. Direct hospital access Out-Patient Services: Physiotherapy treatment included Pharmacy Limit: Covered but limited to ADNIC Tier 1 drug list Deductible per Consultation: Covered Lab and Scan / X-Ray Deductible: Covered In-Patient Services: Semi-Private room type (up to AED 400 per day for non-network hospitals within the UAE – valid for emergencies only). Pre-existing and Chronic Conditions: Covered Other Services: No dental or vision coverage. Pharmacy limit is subject to the ADNIC Tier 1 drug list, with no co-insurance. Deductible per Consultation: For Maternity Services — 10% up to AED 30 per consultation For Other Services — 20% (max AED 30) per consultation Lab and Scan / X-Ray Deductible: No deductible Medical Providers Network: Bronze level
Shifa Bronze Opt - 1	Medical coverage of up to AED 250,000 Pre-existing Disease and Chronic Condition Waiting Period: No waiting period. Undeclared pre-existing conditions are reviewed at the time of renewal. Maternity Waiting Period: No coverage for pregnancies within the first 40 days of application Direct hospital access Out-Patient Services: Includes physiotherapy Pharmacy Limit: Covered (only for ADNIC Tier 1 drugs) Deductible per Consultation: Covered Lab and Scan / X-Ray Deductible: Covered In-Patient Services: Semi-Private room (limited coverage and provided only in case of an emergency) Pre-eExisting and Chronic Conditions: Covered Other Services: No dental or vision coverage is provided. Pharmacy limit is subject to the ADNIC Tier 1 drug list without any co-insurance. Deductible per Consultation: Maternity Services: 10% (up to AED 30_ per consultation Other Services: 20% up to AED 30 per consultation Lab and Scan / X-Ray Deductible: No deductible Medical Providers Network: Bronze level
Shifa Silver Opt - 13	Medical coverage of up to AED 500,000 Maternity Cover: 10% (max AED 30) for each consultation Maternity Waiting Period: No coverage for pregnancies within 40 days of application Pre-existing Disease and Chronic Condition Waiting Period: No waiting period for underwritten medical conditions. Undeclared pre-existing conditions are not covered during the policy period — they have to be reviewed at renewal. Direct hospital access Out-Patient Services: Physiotherapy included Pharmacy Limit: Covered Deductible per Consultation: Covered Lab and Scan / X-Ray Deductible: Covered Minor Surgery: Covered In-Patient Services: Private room type (up to AED 750 per day for certain cases) Other Services 20% co-insurance for pharmacy Coverage for psychiatric and psychological counselling services Deductible per Consultation: Maternity Services: 10% (up to AED 30) per consultation; Other Services: 20% (up to AED 30) per consultation. Lab and Scan / X-Ray Deductible: None Kidney Dialysis Treatment: Covered up to an annual limit of AED 15,000 Psychological Counselling Services: Up to AED 1,500.
Shifa Silver Opt - 5	Medical coverage of up to AED 500,000 Maternity Cover: 10% (maximum AED 30) per consultation Maternity Waiting Period: No coverage within 40 days of application Pre-existing Disease and Chronic Condition Waiting Period: No waiting period for medical underwritten conditions. Note that undeclared pre-existing conditions are reviewed at renewal. Direct hospital access. Out-Patient Services: Physiotherapy is included. Pharmacy Limit: Covered Deductible per Consultation: Covered Lab and Scan / X-Ray Deductible: Covered Minor Surgery: Covered In-Patient Services: Private room (up to AED 750 per day for certain cases) Other Services No dental or vision coverage is provided. 20% co-insurance for pharmacy Coverage for psychiatric and psychological counselling services Deductible per Consultation Maternity Services: 10% (maximum AED 30) per consultation Other Services: 20% (up to AED 30) per consultation Lab and Scan / X-Ray Deductible: No deductible Kidney Dialysis Treatment: Up to AED 15,000 per year Psychological Counselling Services: Up to AED 1,500.
Shifa Silver Opt - 14	Medical coverage of up to AED 500,000 Maternity Cover: 10% (up to AED 30) per consultation Maternity Waiting Period: No coverage for pregnancies within the first 40 days Pre-existing Disease and Chronic Condition Waiting Period: No waiting period for medical underwritten conditions. Undeclared pre-existing conditions are reviewed at the time of renewal. Hospital Access: Direct hospital access Out-Patient Services: Includes physiotherapy, covered pharmacy limit, and consultation deductible In-Patient Services: Private room (limited coverage) Other Services: Dental coverage with 20% co-insurance, psychiatric and psychological counselling services covered Lab and Scan / X-Ray Deductible: Covered Minor Surgery: Covered Kidney Dialysis Treatment: Covered up to AED 15,000 per year
Shifa Silver Opt - 9	Medical coverage of up to AED 500,000 Maternity Cover: 10% (up to AED 30) per consultation Maternity Waiting Period: No coverage within the first 40 days Pre-existing Disease and Chronic Condition Waiting Period: No waiting period for underwritten conditions — undeclared pre-existing conditions reviewed at renewal Hospital Access: Direct hospital access Out-Patient Services: Includes physiotherapy, covered pharmacy limit, and consultation deductible In-Patient Services: Private room with coverage limitations Other Services Dental and vision not covered Pharmacy without any co-insurance Psychiatric treatment covered Lab and Scan / X-Ray Deductible: Covered Minor Surgery: Covered Kidney Dialysis Treatment: Covered up to AED 15,000 per year Psychological Counselling Services: Up to AED 1,500 coverage
Shifa Silver Opt - 6	Medical coverage of up to AED 500,000 Maternity Cover: 10% (up to AED 30) per consultation Maternity Waiting Period: No coverage within the first 40 days Pre-existing Disease and Chronic Condition Waiting Period: No waiting period for underwritten conditions Undeclared pre-existing conditions reviewed at renewal Hospital Access: Direct hospital access Out-Patient Services: Includes physiotherapy, covered pharmacy limit, and consultation deductible In-Patient Services: Private room (limited coverage) Other Services Dental covered up to AED 1,500 with 20% co-insurance Pharmacy with 20% co-insurance Psychiatric treatment covered up to AED 1,500 Lab and Scan / X-Ray Deductible: Covered Minor Surgery: Covered Kidney Dialysis Treatment: Covered up to AED 15,000 per year Psychological Counselling Services: Up to AED 1,500 coverage
Shifa Silver Opt - 1	Medical coverage of up to AED 500,000 Maternity Cover: 10% (up to AED 30) per consultation Maternity Waiting Period: No coverage for pregnancies within the first 40 days Pre-existing Disease and Chronic Condition Waiting Period: No waiting period for underwritten conditions Undeclared pre-existing conditions reviewed at renewal Hospital Access: Direct hospital access Out-Patient Services: Includes physiotherapy, covered pharmacy limit, and consultation deductible In-Patient Services: Private room with limited coverage Other Services Dental and vision care not covered Psychiatric treatment covered up to AED 1,500 Lab and Scan / X-Ray Deductible: Covered Minor Surgery: Covered Kidney Dialysis Treatment: Covered up to AED 15,000 per year Psychological Counselling Services: Coverage of up to AED 1,500
Shifa Gold Opt - 2	Medical coverage of up to AED 2,000,000 Maternity Cover: 10% – up to AED 30 — per consultation Maternity Waiting Period: No coverage for pregnancies within the first 40 days Pre-existing Disease and Chronic Condition Waiting Period: No waiting period for underwritten conditions Undeclared pre-existing conditions are reviewed at the time of renewal Direct hospital access Out-Patient Services: Coverage for physiotherapy and surgeries-related diagnostics and treatments In-Patient Services: Private room with a limit of AED 1,500 per day for outside the network inside the UAE and overseas for elective and emergency cases Other Services Dental coverage – up to AED 5,000 per person per year with 20% co-insurance Vision coverage – up to AED 750 per person per year No co-insurance for pharmacy limit Psychiatric Treatment: Up to AED 10,000 covered Lab and Scan / X-Ray Deductible: No deductible Psychological Counselling Services: Up to AED 10,000 covered
Shifa Platinum Opt - 2	Medical coverage of up to AED 5,000,000 Maternity Waiting Period: No coverage for pregnancies within the first 40 calendar days from the application date Pre-existing Disease and Chronic Condition Waiting Period: No waiting period for medical underwritten conditions — undeclared pre-existing conditions reviewed at renewal Direct hospital access In-Patient Services: Standard Suite covered at actual cost (limited to AED 7,500 per day) outside NWT inside the UAE — for overseas elective and emergency cases Other Services Dental coverage of up to AED 7,000 per person per year with 20% co-insurance Vision coverage of up to AED 1,000 per person per year Alternative medicine — up to AED 15,000 per year Airfare Ticket: Covered for treatments costing less than 70% of the UAE cost — up to AED 2,000 per ticket on a reimbursement basis in economy class Kidney Dialysis Treatment: Covered up to AED 100,000 per year Routine Health Checkup: Up to AED 2,500 per year Diabetes Tests/Consumables: Once every 3 years from the age of 30 onwards — annually for high-risk individuals from the age of 18, up to AED 7,500 per year

Note: All the mentioned figures are indicative and may change depending upon an applicant’s medical background, coverage requirement, and more.

Key Benefits of ADNIC Individual Health Insurance

Mentioned below are the salient features of the major ADNIC individual health insurance plans -

Extensive Provider Network: ADNIC offers a vast network of more than 3,000 medical providers, which ensures extensive coverage in the UAE and beyond.
Tailored Policies: ADNIC offers customisable policies to help individuals meet their particular medical requirements.
Prompt Access: The vast network of ADNIC allows policyholders to quickly access top medical professionals and healthcare services, ensuring timely medical attention.
Global Emergency Support: ADNIC covers medical emergencies during travel, offering vital assistance wherever policyholders are.
Worldwide Coverage: ADNIC's partnership with MSH International, a global healthcare administration leader, ensures comprehensive global coverage.

Eligibility Criteria for ADNIC Individual Health Insurance

Individuals can buy ADNIC Individual Health Insurance if they fulfil the following eligibility criteria -

Categories	Eligibility Criteria
For Adults	18 to 60+ years

Check Out More About ADNIC Health Insurance Plans

ADNIC - Shifa Bronze Opt - 1

ADNIC - Shifa Bronze Opt - 2

ADNIC - Shifa Bronze Opt - 3

ADNIC - Shifa Bronze Opt - 4

ADNIC - Shifa Gold Opt - 1

ADNIC - Shifa Gold Opt - 10

ADNIC - Shifa Gold Opt - 11

ADNIC - Shifa Gold Opt - 12

ADNIC - Shifa Gold Opt - 13

ADNIC - Shifa Gold Opt - 14

ADNIC - Shifa Gold Opt - 15

ADNIC - Shifa Gold Opt - 16

ADNIC - Shifa Gold Opt - 17

ADNIC - Shifa Gold Opt - 18

ADNIC - Shifa Gold Opt - 19

ADNIC - Shifa Gold Opt - 2

ADNIC - Shifa Gold Opt - 20

ADNIC - Shifa Gold Opt - 21

ADNIC - Shifa Gold Opt - 22

ADNIC - Shifa Gold Opt - 23

ADNIC - Shifa Gold Opt - 24

ADNIC - Shifa Gold Opt - 3

ADNIC - Shifa Gold Opt - 4

ADNIC - Shifa Gold Opt - 5

ADNIC - Shifa Gold Opt - 6

ADNIC - Shifa Gold Opt - 7

ADNIC - Shifa Gold Opt - 8

ADNIC - Shifa Gold Opt - 9

ADNIC - Shifa Platinum Opt - 1

ADNIC - Shifa Platinum Opt - 2

ADNIC - Shifa Platinum Opt - 3

ADNIC - Shifa Platinum Opt - 4

ADNIC - Shifa Silver Opt - 1

ADNIC - Shifa Silver Opt - 10

ADNIC - Shifa Silver Opt - 13

ADNIC - Shifa Silver Opt - 14

ADNIC - Shifa Silver Opt - 2

ADNIC - Shifa Silver Opt - 5

ADNIC - Shifa Silver Opt - 6

ADNIC - Shifa Silver Opt - 9

ADNIC Individual Health Insurance Inclusions

Listed below are the general inclusions of ADNIC individual health insurance -

Accommodation services
Pharmaceutical co-insurance
Alternative medicine
Psychiatry treatments
Child vaccination
Maternity coverage
Optional dental care

Exclusions of ADNIC Individual Health Insurance

The general exclusions of individual health insurance plans are as follows -

Treatment that is not medically necessary
Health conditions due to wars or nuclear radiation
Cosmetic procedures
Hair fall
Obesity treatment

Health Insurance Popular Searches

Check out some frequently asked questions regarding ADNIC individual health insurance -

FAQ's

Ans: Routine Dental Covers include services such as consultations, extractions, root canal treatments, amalgam or composite fillings, X-rays, prescribed drugs related to the mentioned services, and scaling and polishing for gum treatment. Major Dental Covers, on the other hand, encompass services like dentures, periodontitis treatment, orthodontics, crowns, bridges, and dental prostheses.

Ans: Claims for health and medical insurance below AED 2,500 usually get processed within 7 working days. For claims exceeding AED 2,500, the processing time extends to 14 working days from the submission date.

Ans: ADNIC's ‘Shifa’ medical insurance is available in Bronze, Silver, Gold, and Platinum tiers with annual coverage limits ranging from AED 250,000 to AED 5,000,000. Coverage extends from UAE-only to worldwide (excluding specific regions). You can choose accommodation options like Semi-Private, Private, or Standard Suite. Maternity coverage varies by tier, while medical consultation co-insurance ranges from AED 30 to AED 50. Pharmaceutical co-insurance is 10% to 30% with an annual limit of AED 2,500 per person in some tiers.

The plans can cover kidney dialysis, vaccinations, organ transplants, second medical opinions, alternative medicine, routine health checkups, diabetic consumables, psychiatry treatment, and psychological counselling. Some tiers offer overseas direct billing, cash benefits, and optional dental and vision care with co-insurance.