# ADNIC - Shifa Platinum Opt - 3 **Published:** 2023-08-03 **Updated:** 2025-09-04 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/adnic-shifa-platinum-opt-3/ Embrace peace of mind with ADNIC Shifa Platinum 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 Platinum Opt - 3 according to your family's unique requirements and affordability with its flexible features. 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 Platinum Opt - 3 ## ADNIC - Shifa Platinum 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 In-Patient Services Standard Suite (At Actual Cost outside NWT Inside UAE and limited to AED 7,500 per day for Overseas for Elective and Emergency Cases) Other Services Dental Up to AED 7,000 per person per year (20% co-insurance) Vision Not Covered Alternative Medicine Up to AED 15,000 per year Airfare Ticket Covered , in case treatment is less than 70% of UAE cost. Covering up to AED 2,000 per ticket , on reimbursement basis. Economy Class Kidney Dialysis Treatment Covered up to AED 100,000 per year Routine Health Checkup Up to AED 2,500 per year Diabetes Tests/Consumables Covered up to AED 7,500 per yearFrequency is restricted to every 3 years from age of 30. High risk individuals annually from age 18. ## ADNIC - Shifa Platinum Opt - 3 Added Network Hospitals Search Plan Name Plan Name Type Type Name Address AL AIN FERTILITY CENTER - GENETIC DIAGNOSIS ASSISTED REPRODUCTIVE TECHNIQUES (Hospitals) Al Ain Fertility Center, Al Jami Al Kabeer S, tAl Jimi, P.O Box13844, Al Ain, UAE - 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 - \*Network lists are subject to change as per the discretion of the Insurer. ### **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/) Other ADNIC Health Insurance Plans [ADNIC - 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