Balanced
Annual limitAED 500,000
PremiumQuote only
- Visa emirates
- Abu Dhabi, Dubai, Northern Emirates
- Area of cover
- Worldwide
Maternity: coveredDental: coveredOptical: not coveredPre-existing conditions: covered
PremiumQuote onlyQuote only
Annual limitAED 500,000
Visa emiratesUAE
Area of coverWorldwideWorldwide excl. USA, Canada & Europe
Benefits
| Core cover | |
|---|---|
| Inpatient | Covered; Private room |
| Outpatient | Covered |
| Deductible & co-payment | Deductible AED 30 or 50; pharmacy nil or 20%; 20% outside network |
| Prescription medicines | pharmacy nil or 20% |
| Benefits | |
| Maternity | Covered In-network; outside network/overseas AED 15,000 |
| Dental | Optional add-on Routine dental option for groups |
| Optical | Not confirmed |
| Pre-existing conditions | Covered Covered |
| Network | |
| Hospital & clinic network | ADNIC tiered networks (colour coded) |
| Claims administrator (TPA) | MSH International (worldwide) |
| Network pages | MSH International network |
| Eligibility & documents | |
| Who it's for | Individual & group |
| Regulatory type | Enhanced |
| Other notes | Brochure is older (c.2021) - verify current limits |
| Document date | c.2021 brochure; product page 2026 |
Similar plans from other insurers
Balanced
Annual limitAED 500,000
PremiumQuote only
- Visa emirates
- Abu Dhabi, Dubai, Northern Emirates
- Area of cover
- Regional
Maternity: optional add-onDental: optional add-onOptical: not coveredPre-existing conditions: covered
Annual limitAED 918,125
PremiumQuote only
- Visa emirates
- Dubai, Northern Emirates
- Area of cover
- Worldwide
Maternity: coveredDental: coveredOptical: not confirmedPre-existing conditions: not confirmed
Sources
- ADNIC - Medical Insurance (SHIFA plans) – ADNIC, 2026
- ADNIC - Color Coded Product Sales Brochure (SHIFA) – ADNIC, c. Feb 2021 (file timestamp)
Retrieved 2026-10-29. Always check the insurer's current table of benefits before buying.