Orient Takaful - Silver Classic

Safeguard your family's health with Orient Takaful Silver Classic, a health insurance package that covers an extensive range of medical services, encompassing maternity care, medication, pre-existing and chronic conditions, diagnostics costs, and much more. This highly customizable Orient Takaful Silver Classic is designed to adapt to your family's specific needs and health conditions.read more

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Plan Summary

Plan NameSilver Classic

Cover AmountAED 1,000,000

Pharmacy LimitUpto AED 1,000,000

TPAMEDNET

Orient Takaful - Silver Classic Details

Maternity Cover

Normal Delivery expenses are covered up to a sub limit of AED 10,000/- , Medically necessary Caesarean Section and complication expenses are covered up to a sub limit of AED 10,000/- , Any Medical Emergency expenses related to Maternity will be covered up to a sublimit of AED 150,000/- , Out Patient eligible Maternity expenses are covered up to Annual limit - 10% co-payment applicable on all Maternity treatments, including out- patient Maternity consultation (no Deductible applies)

Waiting Period

Maternity

any pregnancy, which arises within forty calendar days from the date of policy issuance, shall not be covered under this policy under any condition No waiting period for maternity coverage upon payment of an additional premium, as per underwriting guidelines – coverage begins from Day 1.

Chronic Condition

All medical underwritten conditions will have no waiting period. Undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at renewal.

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 hospital

Coverage Type

Full Access

Out-Patient Services

New Born Cover

As per DHA benefit guidelines.

Dental

Free Access - Covered with 20% Co-Payment with an annual Sub-Limit of AED 3,500, Reimbursement - Additional 20% co-payment applicable over free access with annual sub limit of AED 3,500

Alternative Medicine

Covered up to AED 1,600/- PMPY

Vaccinations (Adults)

Covered both on Free Access & reimbursement basis

Physician Consultation

Covered with Co-pay of 20% max 50 per consultation

In-Patient Services

Room Type

Private Room

Ambulance Service

Covered

Emergency Treatment

100% of Actual Covered Cost

Parent Accommodation for child under 18 years

For children upto 16 Years of Age - Covered maximum up to 100 AED per night

Repatriation of Mortal Remains to Home Country

Covered up to AED 7,500/-

Pre-Existing and Chronic Conditions

All pre-existing medical conditions should be declared in the Medical Application Form and is subject to medical underwriting., All declared Pre-existing and Chronic conditions are covered with a sub limit of AED 150,000/- , Undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at renewal.

Network

Silver Classic

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

Covered with 0% co-pay per invoiceCovered with 10% co-pay per invoiceCovered with 20% co-pay per invoice

Psychiatry

Covered In Case Of Emergency Only

Alternative medicine

Covered up to AED 1,600/- PMPY

Dental and gum treatment

Covered subject to the following: • Sub-limit: AED 3,500 • Coinsurance: 20%

Hearing and Vision Aid

Covered only in cases of medical emergencies

Physiotherapy Treatment

Covered up to 15 sessions/ Per member Per year - 20% Co-paymentCovered up to 15 sessions/ Per member Per year - 10% Co-paymentCovered up to 15 sessions/ Per member Per year - 0% Co-payment