ADNIC - Shifa Silver Opt - 10

ADNIC Shifa Silver Opt - 10 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.read more

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AED 1 million Health cover starting @4/Day

Selecting health insurance for
Self Only
Self Only
Both Self and Family
Both Self and Family
Family without Self
Family without Self
Domestic Workers
Domestic Workers
Investor
Investor
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Worldwide Coverage
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Wide Choices
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Expert Advice
Mousree Das
Written ByMousree DasSenior Content Writer (Expertise - Health and Travel Insurance)
Toshita Chauhan
Reviewed ByToshita ChauhanBusiness Head - General Insurance
Last updated on 09 September 2025Editorial Standards
Regulatory credentials
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Licensed by the Central Bank of the UAE (Registration No. 123)
DHA Health Insurance Intermediary Permit No. BRK-00041
Emirates Insurance Federation Membership No. B81
info-i-icon Information on this page is for general guidance only - not personalised financial or medical advice.
Plan Summary
Plan NameShifa Silver Opt - 10
Cover AmountAED 500,000
Pharmacy LimitUpto AED 1,000,000
TPAADNIC

ADNIC - Shifa Silver Opt - 10 Details

Maternity Cover
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
Pharmacy Limit
Covered
Deductible per Consultation
Covered
Lab and Scan / X-Ray Deductible
Covered
Minor Surgery
Covered
In-Patient Services
Room Type
Private (Limited to AED 750 per day for outside NTW inside UAE and Overseas for Elective and Emergency Cases)
Other Services
Dental
Up to AED 1,500 per person per year (20% co-insurance)
Vision
Not covered
Pharmacy Limit
Nil Co- Insurance
Psychiatric Treatment
Up to AED 1,500/-
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
Kidney Dialysis Treatment
Covered up to AED 15,000 per year
Psychological Counseling Services
Up to AED 1,500/-

ADNIC - Shifa Silver Opt - 10 Added Network Hospitals

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

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