# ADNIC - Shifa Silver 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-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. 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 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 Search Plan Name Plan Name Type Type 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 \*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 - 10](https://www.policybazaar.ae/health-insurance/adnic-shifa-gold-opt-10/) [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 - 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 UAE](https://www.policybazaar.ae/health-insurance/) | [UAE Medical Insurance Prices](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/)