# ADNIC - Shifa Silver Opt - 14 **Published:** 2023-08-03 **Updated:** 2025-09-05 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/adnic-shifa-silver-opt-14/ Give your family the gift of a wholesome health insurance with ADNIC. This inclusive ADNIC Shifa Silver Opt - 14 provides coverage for a wide range of medical services. These services include consultation charges, prescription medication, alternative medicines, physiotherapy treatment, etc.You can customise plans depending upon your family’s specific requirements, all at your own accord. 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 - 14 Cover AmountAED 500,000 Pharmacy LimitUpto AED 1,000,000 TPAADNIC ## ADNIC - Shifa Silver Opt - 14 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 20% 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 - 14 Added Network Hospitals Search Plan Name Plan Name Type Type Name Address Ahalia Hospital (Hospitals) Ahalia Hospital, Hamdan Street, P.O. Box - 2419 - 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 Mafraq Hospital (Seha) - Auh (Hospitals) Mafraq area in Baniyas , Abu Dhabi - Al Oraibi Hospital - Rak (Hospitals) Opposite Home Centre,Al Muntasser St. Al Nakheel Ras Al Khaimah Uae - Al Saha Wa Al Shifa Hospital For One Day Surgery (Hospitals) Al Saha Al Shifa Hospital,3Rd Floor,Rolla Mall,Rolla Sharjah Uae - Al Sharq Hospital - Dibba (Hospitals) AL SHARQ HOSPITAL -DIBBA, Sheikh Zayed Bin Sultan Al Nahyan Road, Al Nahdah , Dibba Fujairah P.O Box 8505, UAE - \*Network lists are subject to change as per the discretion of the Insurer. 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