ADNIC Senior Citizen Health Insurance

Founded in 1972 in the UAE, Abu Dhabi National Insurance Company (ADNIC) stands as a leading insurance provider in the region with expertise in catering to the insurance and reinsurance requirements of individuals and corporations across the Middle East and North Africa (MENA) region.

ADNIC senior citizen health insurance is the go-to solution for seniors seeking comprehensive and dependable health insurance coverage. The company’s excellent services, extensive coverage options, and robust presence in the UAE make it a trusted insurance partner for seniors' health-related needs.

Let’s understand ADNIC senior citizen health insurance in more detail and explore its features, terms, and more.

ADNIC Senior Citizen Health Insurance Plans

Tabled below are the ADNIC health insurance plans available to senior citizens -

Plan	Details
SHIFA Platinum	With a coverage of up to AED 5,000,000, this plan provides comprehensive coverage that extends globally to include both inpatient and outpatient services. The plan also offers the flexibility to choose between routine dental care and major dental care, allowing members to tailor their coverage to their specific dental needs. Additionally, there is an option to include vision care coverage for those who may require it.
SHIFA Gold	The Gold plan provides extensive coverage of up to AED 2,000,000 for both inpatient and outpatient services globally, with the exception of the USA and Canada. It includes options for routine dental care and major dental care, providing flexibility to cater to individual dental health requirements. Members can also opt for vision care coverage if required.
SHIFA Silver	The Silver plan provides coverage of AED 500,000 on a global scale for both inpatient and outpatient services, with the exception of the USA, Europe, and Canada. Additionally, the plan provides the flexibility to include routine dental coverage for group arrangements.
SHIFA Bronze	The Bronze plan provides coverage of AED 250,000 within the UAE. It is the most budget-friendly individual 'Shifa' plan and offers sufficient medical coverage.
EBP Basic	This is the basic medical insurance plan of ADNIC and includes coverage for a wide range of medical services — both outpatient and inpatient. The coverage extends to expenses related to diagnosis, medical treatments, medications, child vaccinations, and pregnancy and maternity care. As a policyholder, you can access these benefits at some of the top healthcare providers in the country. ADNIC's basic plan includes various value-added perks such as the Global Emergency Services Package, which proves invaluable when you find yourself away from home or traveling internationally.
Retirement Medical Insurance	This plan, with an annual limit of AED 250,000, includes emergency medical evacuation, worldwide access, and other benefits. You can benefit from in-patient, day care, and out-patient services within the NAS General Network, along with all mandatory DHA benefits. Additionally, benefits like physiotherapy, home nursing, and organ transplant coverage are included. A Global Emergency Assistance Package for services like medical repatriation, second opinions, and stress management is also included.

Check Out More About ADNIC Health Insurance Plans

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Key Benefits of ADNIC Senior Citizen Health Insurance

Let’s take a look at the major benefits of ADNIC senior citizen health insurance plans -

Extensive Network: ADNIC boasts a network of over 3,000 medical providers, allowing policyholders to access comprehensive coverage across the UAE and beyond.
Personalised Policies: These health insurance plans provide options to tailor the policy to suit individual medical requirements, ensuring the fulfilment of policyholders’ healthcare requirements.
Quick Access: The company’s extensive network ensures that policyholders can swiftly access the necessary treatment from top-tier medical professionals, guaranteeing timely medical care.
Global Emergency Assistance: The coverage of ADNIC senior citizen health insurance extends to medical emergencies during travel, providing invaluable support wherever policyholders go.
Worldwide Reach: ADNIC's partnership with MSH International, a global healthcare administration leader, ensures comprehensive coverage worldwide.

Eligibility Criteria for ADNIC Senior Citizen Health Insurance

Seniors can buy senior citizen health insurance if they fulfil the following general eligibility criterion -

Category	Eligibility Criteria
Maximum Age	99 years

Inclusions of ADNIC Senior Citizen Health Insurance

Here are the general inclusions of ADNIC senior citizen health insurance -

Accommodation services
Maternity cover
Alternative medicine
Psychiatry treatments
Vision care
Dental care

Exclusions of ADNIC Senior Citizen Health Insurance

The general exclusions of ADNIC Senior Citizen Health Insurance include (may vary depending upon your plan choice):

Treatments that are not deemed medically-necessary
Cosmetic procedures
Obesity treatment - both surgical and non-surgical
Smoking cessation

Health Insurance Popular Searches

Check out some frequently asked questions related to ADNIC senior citizen health insurance -

FAQ's

Ans: Claims for health and medical insurance that are less than AED 2,500 are typically processed in up to 7 working days. For claims exceeding AED 2,500, the processing time is 14 working days from the date of submission.

Ans: The ‘SHIFA’ medical insurance plans of ADNIC, available across a range of tiers (Bronze, Silver, Gold, and Platinum), offer the following features -

Annual Limit: Varying from AED 250,000 to AED 5,000,000 as per the tier.
Geographical Limit: Ranging from UAE-only coverage to worldwide coverage excluding specific regions
Accommodation: Options include Semi-Private, Private, and Standard Suite
Maternity Coverage: Available in various tiers with coverage limits
Medical Consultation Co-insurance: Varies between AED 30 and AED 50, depending on the tier
Overseas Direct Billing: Available for specific plans in coordination with MSH International Network.

Ans: The routine dental cover includes services such as consultation, X-rays, extractions, amalgam or composite fillings, root canal treatments, prescribed drugs for these services, and scaling and polishing for gum treatment. The major dental cover, on the other hand, includes services such as dentures, crowns, bridges, periodontitis treatment, orthodontics, and dental prostheses.

Ans: The package includes a range of benefits that are valid around the world. The list includes second medical opinion, medical repatriation, lost luggage, return of mortal remains, document assistance, stress-management and counselling, airfare cover for treatments outside of the UAE, chronic disease management, and pre-trip information.

Ans: Yes, most of the ADNIC health insurance plans include emergency medical evacuation, although the specifics of the cover may vary as per your chosen plan.

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