Involuntary Loss of employment: 10% of credit card account outstanding balance or credit limit whichever is lower, but not exceeding AED 4,000 for each month of the primary credit card holder’s unemployment and the total period of such indemnity shall not exceed 12 months from the date of actual unemployment.

Natural Death & Permanent Total Disablement due to sickness: 100% of Sum Insured subject to the maximum indemnity limit of each type of card.

Accidental Death and Permanent Total Disablement (accident): 100% of Sum Insured subject to the maximum indemnity limit of each type of card.

Critical Illness: Critical illness condition shall mean the Insured Member having suffered or developed one of the following critical illnesses during the period of cover of this benefit up to the maximum indemnity limit of each type of card.

Top Up Life Cover: In addition to the above benefits in case of Death by Any Cause (either natural or accidental causes) the Company shall pay to the Policyholder or any named beneficiary a maximum indemnity limits set of each type of card.

On enrolling for Credit Shield you will be charged a monthly nominal premium of 1.0395% (includes Value Added Tax (VAT) at the rate of 5%) of your total credit card outstanding balance. The premium billed will reflect on your monthly credit card statement.

Example: If your Credit card outstanding balance for any given month is AED 10,000. Your Credit Shield premium for that month will be AED 104

• Please click here for Complimentary Life Cover Terms and Conditions
• Please click here for Main scheme Terms and Conditions

ADCB is only the distributor of Credit Shield Insurance scheme which is issued by Abu Dhabi National Insurance Company (ADNIC) as per their policy terms and conditions. ADCB does not offer insurance advice, nor does it manage, underwrite or issue insurance policies. Accordingly, ADCB makes no representation or warranty whatsoever in respect of the cover and assumes no liability or obligation for rejected applications or claims in respect thereof. The cover shall be provided as per the ADNIC Credit Shield Insurance Terms & Conditions

The credit card holder or his/her beneficiary should contact Abu Dhabi National Insurance Company
Tel.: 02 408 0100 or Fax: 02 626 8600, toll free no. 8008040/,or send an email to consumerlinesclaims@adnic.ae or mail_insurance@adcb.com

Or visit any ADCB Branch to report the claim.
Please click here to print the claim form.
Upon receipt of claim notification, ADNIC would register the claim, allocate & advice a claim number and required documents. 

Please remember that you have 30 days from the date of the covered event to report the claim and all requested documents are essential for processing the claim by ADNIC.