Founded in 1972, Abu Dhabi National Insurance Company PJSC (ADNIC) has built a reputation for excellence in the UAE insurance market over 5 decades. As a trusted insurance company, ADNIC collaborates with a wide network of healthcare providers and offers a diverse range of medical plans to help ...read more
ADNIC individual health insurance plans are designed to cater to the unique healthcare requirements of individuals. These plans provide a range of benefits and coverage options, ensuring that policyholders receive the medical attention they require when they require it the most.
In this article, we will explore the ADNIC individual health insurance plans in detail and cover their features in detail to help you make an informed choice.
In the following table, we will cover the major ADNIC individual health insurance plans. Note that the network provider for these plans is MSHI or MSH International.
Plan | Details |
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Shifa Bronze Opt - 4 |
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Shifa Bronze Opt - 2 |
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Shifa Bronze Opt - 3 |
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Shifa Bronze Opt - 1 |
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Shifa Silver Opt - 13 |
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Shifa Silver Opt - 5 |
|
Shifa Silver Opt - 14 |
Undeclared pre-existing conditions are reviewed at the time of renewal.
|
Shifa Silver Opt - 9 |
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Shifa Silver Opt - 6 |
Undeclared pre-existing conditions reviewed at renewal
|
Shifa Silver Opt - 1 |
Undeclared pre-existing conditions reviewed at renewal
|
Shifa Gold Opt - 2 |
Undeclared pre-existing conditions are reviewed at the time of renewal
|
Shifa Platinum Opt - 2 |
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Note: All the mentioned figures are indicative and may change depending upon an applicant’s medical background, coverage requirement, and more.
Mentioned below are the salient features of the major ADNIC individual health insurance plans -
Individuals can buy ADNIC Individual Health Insurance if they fulfil the following eligibility criteria -
Categories | Eligibility Criteria |
---|---|
For Adults | 18 to 60+ years |
Listed below are the general inclusions of ADNIC individual health insurance -
The general exclusions of individual health insurance plans are as follows -
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Check out some frequently asked questions regarding ADNIC individual health insurance -
Ans: Routine Dental Covers include services such as consultations, extractions, root canal treatments, amalgam or composite fillings, X-rays, prescribed drugs related to the mentioned services, and scaling and polishing for gum treatment. Major Dental Covers, on the other hand, encompass services like dentures, periodontitis treatment, orthodontics, crowns, bridges, and dental prostheses.
Ans: Claims for health and medical insurance below AED 2,500 usually get processed within 7 working days. For claims exceeding AED 2,500, the processing time extends to 14 working days from the submission date.
Ans: ADNIC's ‘Shifa’ medical insurance is available in Bronze, Silver, Gold, and Platinum tiers with annual coverage limits ranging from AED 250,000 to AED 5,000,000. Coverage extends from UAE-only to worldwide (excluding specific regions). You can choose accommodation options like Semi-Private, Private, or Standard Suite. Maternity coverage varies by tier, while medical consultation co-insurance ranges from AED 30 to AED 50. Pharmaceutical co-insurance is 10% to 30% with an annual limit of AED 2,500 per person in some tiers.
The plans can cover kidney dialysis, vaccinations, organ transplants, second medical opinions, alternative medicine, routine health checkups, diabetic consumables, psychiatry treatment, and psychological counselling. Some tiers offer overseas direct billing, cash benefits, and optional dental and vision care with co-insurance.