# ADNIC - Shifa Gold Opt - 10 **Published:** 2023-08-03 **Updated:** 2025-09-09 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-10/ Secure your family's well-being with ADNIC Shifa Gold Opt - 10, an exclusive health insurance package covering a diverse range of health services, such as critical illness cover, dental and gum treatment, pre-existing and chronic conditions, psychiatry and beyond. This highly flexible ADNIC Shifa Gold Opt - 10 can be customized to perfectly meeting your preferences. 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 Gold Opt - 10 Cover AmountAED 2,000,000 Pharmacy LimitUpto AED 1,000,000 TPAADNIC ## ADNIC - Shifa Gold Opt - 10 Details Maternity Cover Deductible per Consultation 10% up to AED 30 per consultation 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 Test, diagnosis, treatments related to surgeries in hospitals Covered Pharmacy Limit Covered Deductible per Consultation Covered In-Patient Services Room Type Private (Limited to AED 1,500 per day for outside NTW inside UAE and Overseas for Elective and Emergency Cases) Other Services Dental Up to AED 5000 per person per year (20% co-insurance) Vision Up to AED 750 per person per year Pharmacy Limit 20% Copay Psychiatric Treatment Up to AED 10,000 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 20% Copay Psychological Counseling Services Up to AED 10,000 ## ADNIC - Shifa Gold Opt - 10 Added Network Hospitals Search Plan Name Plan Name Type Type Name Address Adam Vital Hospital L.L.C. (Hospitals) 10Th Street, Near Ggico Metro Station, Garhoud, Dubai Uae - Ahalia Hospital (Hospitals) Ahalia Hospital, Hamdan Street, P.O. Box - 2419 - Ain Al Khaleej Hospital - Aan (Hospitals) Ain Al Khaleej Hospital Building,next to Al Jimi Mall,Al Jimi,AAN - 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 Garhoud Private Hospital Llc (Hospitals) Al Garhoud Private Hospital 48Th Street, Garhoud, Po Box 639 Dubai, Uae - Al Jalila ChildrenS Specialty Hospital Fz Llc (Hospitals) Al Jaddaf - Dubai Al Jalila ChildrenS Speciality HospitalPo Box 505001 - \*Network lists are subject to change as per the discretion of the Insurer. Other ADNIC Health Insurance Plans [ADNIC - Shifa Bronze Opt - 1](https://www.policybazaar.ae/health-insurance/adnic-shifa-bronze-opt-1/) [ADNIC - Shifa Bronze Opt - 2](https://www.policybazaar.ae/health-insurance/adnic-shifa-bronze-opt-2/) [ADNIC - Shifa Bronze Opt - 3](https://www.policybazaar.ae/health-insurance/adnic-shifa-bronze-opt-3/) [ADNIC - Shifa Bronze Opt - 4](https://www.policybazaar.ae/health-insurance/adnic-shifa-bronze-opt-4/) [ADNIC - Shifa Gold Opt - 1](https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-1/) [ADNIC - Shifa Gold Opt - 11](https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-11/) [ADNIC - Shifa Gold Opt - 12](https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-12/) [ADNIC - Shifa Gold Opt - 13](https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-13/) [ADNIC - Shifa Gold Opt - 14](https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-14/) [ADNIC - Shifa Gold Opt - 15](https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-15/) [ADNIC - Shifa Gold Opt - 16](https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-16/) [ADNIC - Shifa Gold Opt - 17](https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-17/) [ADNIC - Shifa Gold Opt - 18](https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-18/) [ADNIC - Shifa Gold Opt - 19](https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-19/) [ADNIC - Shifa Gold Opt - 2](https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-2/) [ADNIC - Shifa Gold Opt - 20](https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-20/) [ADNIC - Shifa Gold Opt - 21](https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-21/) [ADNIC - Shifa Gold Opt - 22](https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-22/) [ADNIC - Shifa Gold Opt - 23](https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-23/) [ADNIC - Shifa Gold Opt - 24](https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-24/) [ADNIC - Shifa Gold Opt - 3](https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-3/) [ADNIC - Shifa Gold Opt - 4](https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-4/) [ADNIC - Shifa Gold Opt - 5](https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-5/) [ADNIC - Shifa Gold Opt - 6](https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-6/) [ADNIC - Shifa Gold Opt - 7](https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-7/) [ADNIC - Shifa Gold Opt - 8](https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-8/) [ADNIC - Shifa Gold Opt - 9](https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-9/) [ADNIC - Shifa Platinum Opt - 1](https://www.policybazaar.ae/health-insurance/adnic-shifa-platinum-opt-1/) [ADNIC - Shifa Platinum Opt - 2](https://www.policybazaar.ae/health-insurance/adnic-shifa-platinum-opt-2/) [ADNIC - Shifa Platinum Opt - 3](https://www.policybazaar.ae/health-insurance/adnic-shifa-platinum-opt-3/) [ADNIC - Shifa Platinum Opt - 4](https://www.policybazaar.ae/health-insurance/adnic-shifa-platinum-opt-4/) [ADNIC - Shifa Silver Opt - 1](https://www.policybazaar.ae/health-insurance/adnic-shifa-silver-opt-1/) [ADNIC - Shifa Silver Opt - 10](https://www.policybazaar.ae/health-insurance/adnic-shifa-silver-opt-10/) [ADNIC - Shifa Silver Opt - 13](https://www.policybazaar.ae/health-insurance/adnic-shifa-silver-opt-13/) [ADNIC - Shifa Silver Opt - 14](https://www.policybazaar.ae/health-insurance/adnic-shifa-silver-opt-14/) [ADNIC - Shifa Silver Opt - 2](https://www.policybazaar.ae/health-insurance/adnic-shifa-silver-opt-2/) [ADNIC - Shifa Silver Opt - 5](https://www.policybazaar.ae/health-insurance/adnic-shifa-silver-opt-5/) [ADNIC - Shifa Silver Opt - 6](https://www.policybazaar.ae/health-insurance/adnic-shifa-silver-opt-6/) [ADNIC - Shifa Silver Opt - 9](https://www.policybazaar.ae/health-insurance/adnic-shifa-silver-opt-9/) ### **Health Insurance Popular Searches** [Health Insurance Dubai](https://www.policybazaar.ae/health-insurance/) | [Dubai Health Insurance Cost](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/) | [How to check Medical Insurance status with Emirates ID](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/) Top Hospitals in UAE [Al Garhoud Private Hospital](https://www.policybazaar.ae/health-insurance/hospitals/al-garhoud-private-hospital/) [Al Khaleej Hospital](https://www.policybazaar.ae/health-insurance/hospitals/al-khaleej-hospital/) [Al Mafraq Hospital Abu Dhabi](https://www.policybazaar.ae/health-insurance/hospitals/al-mafraq-hospital-abu-dhabi/) [Al Noor Hospital Abu Dhabi](https://www.policybazaar.ae/health-insurance/hospitals/al-noor-hospital-abu-dhabi/) [Al Qassimi Hospital](https://www.policybazaar.ae/health-insurance/hospitals/al-qassimi-hospital/) [Al Rahba Hospital Abu Dhabi](https://www.policybazaar.ae/health-insurance/hospitals/al-rahba-hospital-abu-dhabi/) [Al Wasl Hospital](https://www.policybazaar.ae/health-insurance/hospitals/al-wasl-hospital/) [American Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/american-hospital-dubai/) [Aster Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/aster-hospital-dubai/) [Cleveland Clinic Abu Dhabi](https://www.policybazaar.ae/health-insurance/hospitals/cleveland-clinic-abu-dhabi/) [Dubai Hospital](https://www.policybazaar.ae/health-insurance/hospitals/dubai-hospital/) [Kings College Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/kings-college-hospital-dubai/) [Lifeline Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/lifeline-hospital-dubai/) [Lifeline Hospital Sharjah](https://www.policybazaar.ae/health-insurance/hospitals/lifeline-hospital-sharjah/) [Medeor Hospital Sharjah](https://www.policybazaar.ae/health-insurance/hospitals/medeor-hospital-sharjah/) [NMC Specialty Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/nmc-specialty-hospital-dubai/) [Oasis Hospital](https://www.policybazaar.ae/health-insurance/hospitals/oasis-hospital/) [Rashid Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/rashid-hospital-dubai/) [Saudi German Hospital Ajman](https://www.policybazaar.ae/health-insurance/hospitals/saudi-german-hospital-ajman/) [Saudi German Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/saudi-german-hospital-dubai/) [Sheikh Khalifa Medical City](https://www.policybazaar.ae/health-insurance/hospitals/sheikh-khalifa-medical-city/) [Thumbay Hospital Ajman](https://www.policybazaar.ae/health-insurance/hospitals/thumbay-hospital-ajman/) [University Hospital Sharjah](https://www.policybazaar.ae/health-insurance/hospitals/university-hospital-sharjah/) [Zulekha Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/zulekha-hospital-dubai/)