ADNIC Individual Health Insurance

• 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.

• Medical Providers Network: Bronze level

• 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

• 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

• Lab and Scan / X-Ray Deductible: No deductible
• Medical Providers Network: Bronze level

• 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

• Lab and Scan / X-Ray Deductible: No deductible
• Medical Providers Network: Bronze level

• 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.

• 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.

• 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