# ADNIC - Shifa Gold Opt - 13 **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-13/ ADNIC Shifa Gold Opt - 13 ensures health insurance coverage for families, encompassing a wide range of medical services such as maternity care, outpatient/inpatient services, diagnostics costs etc. ADNIC offers flexibility and customizable features to tailor-fit your families’ needs and your budget. 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 - 13 Cover AmountAED 2,000,000 Pharmacy LimitUpto AED 1,000,000 TPAADNIC ## ADNIC - Shifa Gold Opt - 13 Details Maternity Cover Deductible per Consultation 10% up to AED 50 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 Not Covered Vision Not Covered Pharmacy Limit Nil Co- Insurance Psychiatric Treatment Up to AED 10,000 Deductible per Consultation 20% up to AED 50 per consultation Lab and Scan / X-Ray Deductible Nil Deductible Psychological Counseling Services Up to AED 10,000 ## ADNIC - Shifa Gold Opt - 13 Added Network Hospitals Search Plan Name Plan Name Type Type Name Address No Network Hospital is available at this Location. \*Network lists are subject to change as per the discretion of the Insurer. 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