How to Renew Takaful Emarat Health Insurance Online?

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Established in 2008, Takaful Emarat Insurance PSC is one of the UAE's most reliable providers of Shariah-compliant life and health insurance options. Takaful Emarat is an Emirati, Sharia-compliant health and life insurance provider that offers a wide range of comprehensive insurance products. Offering a wide range of individual and corporate life and health insurance products, it boasts an array of distribution channels to market its services while promoting affordability at all times. They provide a variety of takaful insurance plans for individuals and corporations, including protection, savings and investment options.

The company offers individual and corporate health insurance plans to suit your dynamic health needs. The plans are designed to offer enhanced medical coverage for you and your family with its extensive network of hospitals and comprehensive pharmacy limit. If you already have a Takaful Emarat health insurance plan, it is essential to renew it on time for continued medical coverage. To know how to renew your Takaful Emarat Health Insurance, read further. 

How to Renew Takaful Emarat Health Insurance Online?

To continue receiving the policy benefits without interruption, it is crucial to renew your Takaful Emarat health insurance coverage on schedule. If you purchased your Takaful Emarat health insurance policy through Policybazaar UAE, you may quickly and conveniently renew it online by going to the website of the third-party aggregator (TPA). Here, you have the option of choosing to stick with the current plan or to change it. You can take the following actions to start the renewal process through Policybazaar.ae -

Step 1: Visit Policybazaar's official website and log in to your account.

Step 2: The policies that are now in effect can all be seen on your user dashboard.

Step 3: A notification or reminder that your Takaful Emarat health insurance policy has to be renewed can be found on the dashboard. Fill out the lead form for this and list any new critical disease or recent diagnosis.

Step 4: You will be taken to our Quotes Page after filling out the form. In this case, you can select the Premium Amount tab next to the Takaful Emarat health insurance plan if you are happy with it. If you do decide to change plans, you can examine the features of the top provider's plans on the Quotes Page.

Step 5: Once you have decided, select the tab for the premium amount. You will be taken to the insurance application form, where you must enter all the pertinent details regarding your current medical conditions and disorders. Also, you can choose riders in this situation to help you make your coverage more extensive.

Step 6: Post this, make the required payment using your debit/credit card or net banking platform. 

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Why is Renewing Your Takaful Emarat Health Insurance Important?

To prevent a policy lapse in the UAE, you are required to renew your health insurance coverage during the grace period. This is due to the fact that once the policy expires, you will no longer be eligible for any of the benefits you were receiving from your Takaful Emarat health insurance coverage. Benefits like compounded bonuses and waiting period perks fall under this category. In addition, the following outcomes could happen:

  • Interruption in the Coverage - Your Takaful Emarat health insurance coverage expires if you do not timely renew it during the grace period. That suggests that any claims you submit between the time your policy expires and when it is renewed will be denied. You would have to buy a new policy to resume coverage.
  • More Waiting Period - The waiting period from the prior policy expires when the current one does. This suggests that when you buy a new health insurance plan, your pre-existing medical issues or maternity benefits won't be covered right away. To put it another way, you would have to go through the waiting process again.
  • Higher Premium - You would have to get new insurance if you didn't renew your current one during the grace period. Not only would you have to go through the waiting period all over again, but your premium would also have to be determined from start. While estimating the premium, every aspect, including a new disease, will be taken into consideration. The price will go up as a result.
  • Loss of Cumulated No-Claim Bonus - You will forfeit your accrued no-claim bonus discount advantage if you do not renew your Takaful Emarathealth insurance plan on time. Paying a higher premium could result from this loss of benefit.
  • Requirement to Undergo Detailed Medical Check-ups - You wouldn't have had to undergo a thorough health examination when your Takaful Emarat health insurance plan was renewed if you had done so on time. But, you will need to pass a thorough medical examination in order to enrol in a new health insurance plan once the coverage expires. This may cause the transaction to be delayed, leaving you vulnerable in the event of a medical emergency.

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What is an Insurance Continuity Certificate?

Your company should provide you with this letter when you transfer your present insurance to the new company. It will ask the insurance company to send Certificates of Continuity (COCs) which they are legally obligated to give. It is valid for 30 days from the date of its issue. It is the evidence of your insurance coverage for the new employer.

Why is an Insurance Continuity Certificate Important?

An Insurance Continuity Certificate is essential because it provides proof that the insurance policyholder has uninterrupted coverage. Continued coverage proves to the new employer that you have adequate coverage and will not raise insurance claims immediately after joining.

Things to Consider While Renewing Your Takaful Emarat Health Insurance Plan

When you buy a health insurance policy for yourself, your obligation as an insured does not end there. It also includes renewing on time and making sure you consider various considerations while doing so. You should keep the following things in mind when renewing your Takaful Emarat health insurance policy online -

  • You should renew your policy before the deadline - Before it expires, you should renew your health insurance coverage. Depending on the plan, you may be granted a grace period of up to 15 days if you do not renew your health insurance plan by the deadline.
  • Review the requirements for your health insurance - When the time comes to renew your health insurance, thoroughly check the agreement and make any necessary modifications. It entails adding family members who might require insurance.
  • Declare any new illness - Your health insurance plan's terms are updated annually because it is an annual contract due to changes in pre-existing medical problems. As a result, you should not disclose any new medical developments that have occurred since the preceding policy's term at the time of policy renewal.
  • Compare Your Options - It is always advisable to weigh your options, even though the majority of you would find it more practical to stick with your current insurance carrier. You can contrast the characteristics of several plans offered by the top providers in the UAE on third-party aggregators like Policybazaar.ae before renewing your policy. By choosing portability, you can move providers while preserving the advantages and features of the current policy.
  • Consider Including Add-ons - If you feel that the existing health insurance plan's benefits are insufficient, you can choose to add riders when your policy is renewed to broaden the scope of the coverage.
  • Review Your Current Plan - You ought to be knowledgeable on the protection you currently have. Knowing your requirements will be the next stage that this will help you with. Also, being aware of your current coverage decreases the likelihood that a claim will be denied and makes you more ready for emergencies.

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Conclusion

Renewing your Takaful Emarat Health Insurance online is an easy and convenient way to ensure that you are always covered for the medical care you need. With just a few clicks, you can renew your policy and ensure you receive the coverage you need. When renewing your policy, it is essential to check the details of your policy to make sure that it is up to date and that your coverage is still adequate for your needs. 

One of the most convenient ways to renew your Takaful Emarat health insurance plan online is via Policybazaar. We provide timely reminders about renewal during the grace period, preventing you from lapsing your policy. You have the option to continue with the same plan or switch the provider at your convenience when you renew your plan through policybazaar.ae.

To know more about renewing your Takaful Emarat health insurance, read the folllowing FAQ section.

Frequently Asked Questions

What is the grace period in health insurance?

The grace period is the extended policy tenure within which you need to renew your plan. In the UAE, the grace period is of 15 days. 

What happens if you do not renew your Takaful Emarat health insurance online on time?

If you fail to renew your health insurance plan on time, you end up losing your uninterrupted coverage and accumulated benefits like no-claim bonus benefits and waiting period. 

Can you opt for riders when renewing your Takaful Emarat health insurance plan online?

You can opt for add-on coverages to make your existing health insurance plan more comprehensive. However, this can increase the cost of the premium to be paid. 

Can you renew your health insurance once it lapses?

If your health insurance plan expires, you would have to buy a new one at a higher price. Also, you wouldn't be able to take advantage of the preceding policy's cumulative benefits.

What do you mean by portability in health insurance?

If you're not happy with the health insurance company's current level of coverage, you can move your policy to a different insurer and keep all of your current policy's advantages.

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