Orient Takaful - Plan 4

Orient Takaful Plan 4 ensures health insurance coverage for families, encompassing a wide range of medical services such as maternity care, outpatient/inpatient services, diagnostics costs etc. Orient Takaful offers flexibility and customizable features to tailor-fit your families’ needs and your budget.read more

Worldwide Coverage

Wide Choices

Expert Advice

Written ByMousree DasSenior Content Writer (Expertise - Health and Travel Insurance)

Reviewed ByToshita ChauhanBusiness Head - General Insurance

Last updated on 09 September 2025Editorial Standards

Regulatory credentials

Licensed by the Central Bank of the UAE (Registration No. 123)

DHA Health Insurance Intermediary Permit No. BRK-00041

Emirates Insurance Federation Membership No. B81

Information on this page is for general guidance only - not personalised financial or medical advice.

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Plan Summary

Plan NamePlan 4

Cover AmountAED 1,000,000

Pharmacy LimitUpto AED 5,000

TPANextcare

Orient Takaful - Plan 4 Details

Maternity Cover

Waiting Period - This is the time span during which you cannot claim specified benefits from the insurer

40 Days ( any pregnancy, which arises within 40 calendar days from policy inception will be at the discretion of the insurer)

Out-patient Maternity Services

10% co-payment, and a maximum of 12 visits and 6 ante-natal ultrasound scansPregnancy at time of application should be declared in the medical application form and is subject to medical undewritingUndeclared Pregnancy at time of application will not be covered during the policy period and will be underwritten at renewal if neededCovered subject to 10% coinsurance, and a maximum of 12 visits and 6 ante-natal ultrasound scans Pregnancy at time of application should be declared in the medical application form and is subject to medical undewriting Undeclared Pregnancy at time of application will not be covered during the policy period and will be underwritten at renewal if needed.

In-patient Maternity Services

10% co-payment, up to AED 12,500In case of any condition developping into an emergency, the medically necessary expenses will be covered up to the annual aggregate limitPregnancy at time of application should be declared in the medical application form and is subject to medical undewritingUndeclared Pregnancy at time of application will not be covered during the policy period and will be underwritten at renewal if neededCovered subject to 10% coinsurance, up to AED 12,500. In case of any condition developping into an emergency, the medically necessary expenses will be covered up to the annual aggregate limit. Pregnancy at time of application should be declared in the medical application form and is subject to medical undewriting Undeclared Pregnancy at time of application will not be covered during the policy period and will be underwritten at renewal if needed.

Waiting Period

Maternity

Maternity Waiting Period :- 40 days No waiting period for maternity coverage upon payment of an additional premium, as per underwriting guidelines – coverage begins from Day 1.Maternity Waiting Period :- 40 days No waiting period for maternity coverage upon payment of an additional premium, as per underwriting guidelines – coverage begins from Day 1.

Chronic Condition

Chronic Condition Waiting Period :- 6 monthsChronic Condition Waiting Period :- 6 months

Pre-existing diseases (PED)

Pre-existing diseases (PED) Covered only if declared on additional payment

Additional Information

No waiting period applies to the above cases upon payment of an additional premium, as per underwriting guidelines—coverage begins from Day 1. Also, for renewals, no waiting period is applicable.

Hospital Access

Direct access to hospitalDirect access to hospital

Dental and Gum Treatment

Co-Payment

20% Co-payment

Hearing and Vision Aids

Co-Payment

20% Co-payment

Coverage Type

Full Access

Out-Patient Services

Co-Payment - This is what you'll pay your health provider when claiming with this policy

10% up to AED 25/- for General Practitioners. 20% up to AED 60/- for Specialists

In-Patient Services

Co-Payment - This is what you'll pay your health provider when claiming with this policy for hospitalization

Covered

Room Type

Private

Ambulance Service

Covered

Companion Accomodation

Accommodation of an accompanying person in the same room as per recommendation of attending physician : 450 per dayParent Accommodation for child under 18 years of age : 250 per day

Parent Accommodation for child under 18 years

AED 250 / day

Territorial Scope Of Coverage

Coverage

Worldwide

Pre-Existing and Chronic Conditions

Covered up to a limit of AED 150,000 per member per year. No waiting period applies if evidence of continuity of coverage is provided; otherwise a waiting period of 6 months applies to the first scheme membership. All pre-existing medical conditions should be declared in the medical application form and is subject to medical undewriting Undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at renewal.

Waiting Period

6 months(subsequent coverage subject to declaration)

Network

NEXTCARE RN2NEXTCARE RN2NEXTCARE RN 2

Other Services

Laboratory Tests

10% Co-payment

Physiotherapy Treatment

10 sessions per member per annum

Emergency Treatment

Approval required from the insurance company within 24 hours of admission to the authorized hospital

Psychiatric Treatment

Out Patient Covered up to Maximum AED 1,500/- per person per annumIN Patient Covered up to Maximum AED 6,000/- per person per annum

Repatriation of Mortal Remains to Home Country

Covered up to Maximum AED 10,000 per person per annum settled on Reimbursement basis with no co-pay

Medication

Co-Payment

Covered up to AED 5,000 subject to 15% Co-payment

Essential Vaccines & Preventive Services

As per DHA Regulations

Diagnostics (X-RAY, MRI, CT-SCAN)

Covered subject to 10% Co-payCovered subject to 20% Co-payCovered subject to Nil Co-pay

Psychiatry

In-Patient, Out-Patient, and Emergency cover up to a maximum of AED 10,000/- per person per annum. 20% coinsurance payable by the insured per visit for Out Patient services. No coinsurance is applicable for follow up visits made within seven days.