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Abu Dhabi National Insurance Co - Shifa Gold - Option 16

Abu Dhabi National Insurance Co - Shifa Gold - Option 16

Available in Ras Al Khaimah , Dubai , Sharjah , Fujairah , Umm Al Quwain , Ajman

Max. Annual Coverage

AED 2,000,000


AED 50 per consultation (maternity, dental and any service subject to consultation)


Worldwide ex-North America

Chronic Conditions


Pre-Existing Conditions

Not Covered


Ambulance Coverage

Covered in Full

Hospital Cash Benefit

Up to AED 250 per night for a max of 15 nights

Hospital Accomodation

Covered in full for a private room; outside the network only up to AED 1,500 per day

Parent Accomodation

Up to AED 750 per day



Covered for children up to age of 6 years and adults

Psychiatric Treatment

Up to AED 10,000


Covered with pre-authorization

Alternative Medicine

Up to AED 7,500



Prescription Drugs

Not Covered

Health Checks

Up to AED 1,000 each once a year for routine health check & breast cancer and prostate cancer screening


Network Coverage

151 Hospitals
1133 Clinics
77 Laboratories
1503 Pharmacies
239 Dentals
12 Optics

Treatment Outside Area of Cover

Not Covered

Treatment Outside Network

For elective treatment 80% of covered cost subject to network rates and on reimbursement basis


Pregnancy Cover

Covered in full; outside the network only up to AED 30,000 with 20% co-insurance

Natal Complications



Dental Coverage

Up to AED 5,000 each for both routine and major dental care; 20% co-pay for routine and 50% co-pay for major dental care

Accidental Damage to Teeth

Covered if treated within 72 hours