ADNIC - Shifa Bronze Opt - 3

Embrace peace of mind with ADNIC Shifa Bronze Opt - 3, an all-encompassing health insurance solution curated for you and your family. From diagnostics and tests, to maternity care and outpatient/inpatient services, this plan covers it all. Customise this ADNIC Shifa Bronze Opt - 3 according to your family's unique requirements and affordability with its flexible features.read more

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AED 1 million Health cover starting @4/Day

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Mousree Das
Written Byverify-iconMousree DasSenior Content Writer (Expertise - Health and Travel Insurance)
Toshita Chauhan
Reviewed Byverify-iconToshita ChauhanBusiness Head - General Insurance
Last updated on 09 September 2025Editorial Standards
Regulatory credentials
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Licensed by the Central Bank of the UAE (Registration No. 123)
DHA Health Insurance Intermediary Permit No. BRK-00041
Emirates Insurance Federation Membership No. B81
info-i-icon Information on this page is for general guidance only - not personalised financial or medical advice.
Plan Summary
Plan NameShifa Bronze Opt - 3
Cover AmountAED 250,000
Pharmacy LimitUpto AED 1,000,000
TPAADNIC

ADNIC - Shifa Bronze Opt - 3 Details

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
Direct access to hospital
Coverage Type
Full Access
Out-Patient Services
Physiotherapy Treatment
Covered
Pharmacy Limit
Covered (ADNIC Tier 1 drug list only)
Deductible per Consultation
Covered
Lab and Scan / X-Ray Deductible
Covered
In-Patient Services
Room Type
Semi-Private (Limited to AED 400 per day for outside NTW inside UAE for Emergency cases only)
Pre-Existing and Chronic Conditions
Covered
Other Services
Dental
No option
Vision
No option
Pharmacy Limit
Not CoveredNil Co- Insurance (Subject to ADNIC Tier 1 drug list)
Deductible per Consultation
For Maternity Services: 10% up to AED 30 per consultation For Other Services: 20% up to AED 30 per consultation
Lab and Scan / X-Ray Deductible
Nil Deductible
Medical Providers Network
Bronze

ADNIC - Shifa Bronze Opt - 3 Added Network Hospitals

Name
Address
Ahalia Hospital (Hospitals)
Ahalia Hospital, Hamdan Street, P.O. Box - 2419 -
Ajman Specialty General Hospital (Hospitals)
New Vegetable Market, Hamedeya St., New Industrial Zone,Ajman -
Al Abeer Medical Center Day Surgery Unit Llc (Hospitals)
Al Raha Building Next To Adnoc Petrol Station Hamdan Street Delma Street Madinat Zayed Area, Abu Dhabi -
Al Ahli Hospital Company Llc-Branch 1 (Hospitals)
Ahalia Hospital, Tariff Road , M-24, Mussafah, P.O. Box - 2419 -
Al Ain Hospital (Seha) - Aan (Hospitals)
Eastern Region, Al Ain Hospital Street/Al Ain Hospital round about,Jimmy Area, AAN -
Al Dhannah Hospital (Ex Al Ruwais Hospital - AUH) (Hospitals)
Abu Dhabi, Ruwais, Near Ruwais Mall -
Al Mafraq Hospital (Seha) - Auh (Hospitals)
Mafraq area in Baniyas , Abu Dhabi -
Al Oraibi Hospital - Rak (Hospitals)
Opposite Home Centre,Al Muntasser St. Al Nakheel Ras Al Khaimah Uae -
Al Saha Wa Al Shifa Hospital For One Day Surgery (Hospitals)
Al Saha Al Shifa Hospital,3Rd Floor,Rolla Mall,Rolla Sharjah Uae -
Al Sharq Hospital - Dibba (Hospitals)
AL SHARQ HOSPITAL -DIBBA, Sheikh Zayed Bin Sultan Al Nahyan Road, Al Nahdah , Dibba Fujairah P.O Box 8505, UAE -

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