# ADNIC - Shifa Platinum Opt - 4 **Published:** 2023-08-03 **Updated:** 2025-09-05 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/adnic-shifa-platinum-opt-4/ Your family's health is paramount, and ADNIC Shifa Platinum Opt - 4 offers the ideal health insurance coverage to prove it. This ADNIC Shifa Platinum 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 Platinum Opt - 4 ## ADNIC - Shifa Platinum 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 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 Not Covered Vision Up to AED 1,000 per person per year 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 - 4 Added Network Hospitals Search Plan Name Plan Name Type Type Name Address Ahalia Hospital (Hospitals) Hamdan - 26262666 Ain Al Khaleej Hospital - Aan (Hospitals) Al Jimi - 37133333 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 Bascom Palmer August Medical Eye Institute L.L.C (Hospitals) Abu Dhabi City - 26767975 \*Network lists are subject to change as per the discretion of the Insurer. 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