# ADNIC - Shifa Bronze Opt - 4 **Published:** 2023-08-03 **Updated:** 2026-01-22 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/adnic-shifa-bronze-opt-4/ **We are Rated:** 4.7/5 **Review Count:** 44,602 [Reviews](https://maps.app.goo.gl/Ry9H7NLgFAGso8gZ7) **Trusted Customers:** 2 Million+ **Insurance Partners:** 35+ **Policies Sold:** 1 Million+ Your family's health is paramount, and ADNIC Shifa Bronze Opt - 4 offers the ideal health insurance coverage to prove it. This ADNIC Shifa Bronze Opt - 4 includes a plethora of medical services, such as maternity care, critical illness cover, dental and gum treatment, hearing and vision aids, and more. You can also make changes in your plan by including riders/ add-ons to make it more beneficial for your family. 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 NameShifa Bronze Opt - 4 Cover AmountAED 250,000 Pharmacy LimitUpto AED 1,000,000 TPAADNIC ## ADNIC - Shifa Bronze Opt - 4 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 - 4 Added Network Hospitals Search Plan Name Plan Name Type Type Name Address Ahalia Hospital (Hospitals) Hamdan - 26262666 Al Ahli Hospital Company Llc-Branch 1 (Hospitals) Musaffah - 28119119 Al Ain Hospital (Seha) - Aan (Hospitals) Jimmy Area - 37022589 Al Dhannah Hospital (Ex Al Ruwais Hospital - AUH) (Hospitals) Al Ruwais Housing Al Ruwais - 28007267 Al Mafraq Hospital (Seha) - Auh (Hospitals) Mafraq area in Baniyas - 25823100 Al- Rahba Hospital (Seha) - Auh (Hospitals) n/a - 25065000 Al Wagan Hospital (Seha) - Aan (Hospitals) n/a - 37352222 Bareen International Hospital (Hospitals) Mohammad Bin Zayed Area - 25545555 Behavioral Sciences Pavilion (Seha)- Auh (Hospitals) n/a - 28192000 Burjeel Farha Hospital L.L.C. Ex Medeor 24X7 International Hospital Llc (Hospitals) Al Ain - 37099000 \*Network lists are subject to change as per the discretion of the Insurer. ### **Health Insurance Popular Searches** [Medical Insurance UAE Plans](https://www.policybazaar.ae/health-insurance/) | [Cheapest Medical Insurance in UAE](https://www.policybazaar.ae/health-insurance/medical-insurance/) | [Health Insurance for Kids](https://www.policybazaar.ae/health-insurance-for-kids-hiart/) | [Health Insurance Plans for Family](https://www.policybazaar.ae/family-health-insurance-hic/) | [Dental Insurance](https://www.policybazaar.ae/health-insurance/articles/dental-insurance-in-uae/) | [Individual Health Insurance](https://www.policybazaar.ae/individual-health-insurance-hic/) | [Health Insurance Abu Dhabi](https://www.policybazaar.ae/health-insurance-abu-dhabi/) | [Medical Insurance Sharjah](https://www.policybazaar.ae/health-insurance/health-insurance-in-sharjah/) | [UAE Insurance Check](https://www.policybazaar.ae/how-to-check-medical-insurance-status-with-emirates-id-hiart/) | [Best Medical Insurance in UAE](https://www.policybazaar.ae/top-10-health-insurance-companies-in-uae-hiart/) | [Health Insurance for Parents](https://www.policybazaar.ae/senior-citizen-health-insurance-hic/) | [Maternity Insurance UAE](https://www.policybazaar.ae/health-insurance/articles/maternity-insurance-in-uae/) Other ADNIC Health Insurance Plans [ADNIC - 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