# Takaful Emarat - ECARE BLUE **Published:** 2023-08-03 **Updated:** 2025-11-27 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/takaful-emarat-ecare-blue/ **We are Rated:** 4.7/5 **Review Count:** 44,602 [Reviews](https://maps.app.goo.gl/Ry9H7NLgFAGso8gZ7) **Trusted Customers:** 2 Million+ **Insurance Partners:** 35+ **Policies Sold:** 1 Million+ Embrace peace of mind with Takaful Emarat ECARE BLUE, an all-encompassing health insurance solution curated for you and your family. From diagnostics and tests, to maternity care and outpatient/inpatient services, this plan covers it all. Customise this Takaful Emarat ECARE BLUE according to your family's unique requirements and affordability with its flexible features. Regulatory credentials Licensed by the Central Bank of the UAE **([Registration No. 123](https://cdn.policybazaar.ae/pbuae/images/IA-License-Renewal-2026.pdf))** DHA Health Insurance Intermediary **Permit No.** [BRK-00041](https://www.isahd.ae/Home/PermittedIntermediaries) Emirates Insurance Federation **Membership No.** [B81](https://static.pbcdn.ae/pbuae/images/Policybazaar-Middle-East-Insurance-Brokers-LLC.pdf) Information on this page is for general guidance only - not personalised financial or medical advice. Plan Summary Plan NameECARE BLUE Cover AmountAED 150,000 Pharmacy LimitUpto AED 3,500 TPAE CARE ## Takaful Emarat - ECARE BLUE Details Maternity Cover • Normal Delivery expenses are covered up to AED 10,000 • C-Section and complication expenses are covered up to a sub limit of AED 10,000 Out-patient Maternity Services Covered subject to 10% coinsurance, and a maximum of 8 visits and 3 ante-natal ultrasound scans.Pregnancy at time of application should be declared in the medical application form and is subject to medical underwriting.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 Covered subject to 10% coinsurance, up to AED 10,000 fornormal delivery and up to AED 10,000 for medically necessary C-Section, termination and complications.In case of any condition developing 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 underwriting.Undeclared Pregnancy at time of application will not be covered during the policy period and will be underwritten at renewal if needed. New born CoverCoverage of a pregnant female is extended by the insurer to provide the same benefits for a new born child of that female for a period up to 30 days from its date of birth. This cover is provided regardless of whether or not the new born is eventually enrolled as a dependent member under the insurer’s policy Cover for 30 days from birth.BCG, Hepatitis B and neo-natal screening tests (Phenylketonuria (PKU), Congenital Hypothyroidism, sickle cell screening, congenital adrenal hyperplasia) prevent 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. Coverage Type GP Clinic Out-Patient Services Repatriation of Mortal Remains to Home Country Covered Up to AED 5000 Prescribed drugs and dressings Covered up to AED 7,500 subject to 0% Co-InsuranceCovered up to AED 6500 subject to 10% Co-InsuranceCovered up to AED 3,500 subject to 20% Co-Insurance In-Patient Services Room Type Semi-Private Cash indemnity benefit Not covered Pre-Existing and Chronic Conditions • All declared Pre existing and Chronic conditions are covered with a sub limit of AED 150,000/- Network E CARE Blue Other Services Alternative Medicine Covered to a limit of AED 2500/- per year. Home Nursing Not Covered Cancer Treatment Covered as per terms, conditions and exclusions of the program defined by DHA Local road and air ambulance services Covered Diagnostics (X-RAY, MRI, CT-SCAN) Covered up to AED 7,500 subject to 0% Co-InsuranceCovered up to AED 3,500 subject to 20% Co-InsuranceCovered up to AED 5,000 subject to 10% Co-InsuranceCovered up to AED 6500 subject to 10% Co-InsuranceCovered subject to 0% Co-payCovered subject to 20% Co-payCovered subject to 10% Co-pay Psychiatry Not Covered Alternative medicine Covered to a limit of AED 2500/- per year Dental and gum treatment Covered subject to 20% coinsurance In case of Emergency Only Hearing and Vision Aid Covered subject to 20% coinsurance In case of Emergency Only Physiotherapy Treatment 6 sessions per member per annum subject to 20% Copay Region Coverage UAE (Home country) ## 52 Takaful Emarat - ECARE BLUE Added Network Hospitals Search Plan Name Plan Name Type Type Name Address SHEIKH KHALIFA HOSPITAL AJMAN (In Patient) (Hospitals) AJMAN-AL JURF 1 - UNIVERSITY STREET - 06-7117777 SHEIKH KHALIFA MATERNITY AND PEDIATRIC HOSPITAL AJMAN (In Patient) (Hospitals) AJMAN-AL JURF 1 - UNIVERSITY STREET - 06-711 7777 RASHID CENTER FOR DIABETES AND RESEARCH (In Patient) (Hospitals) AJMAN-AL JURF 1 - UNIVERSITY STREET - 06-7117777 SHEIKH KHALIFA HOSPITAL MASFOUT AJMAN (In Patient) (Hospitals) AJMAN / MASFOUT - 04-8099999 AMINA HOSPITAL (In Patient) (Hospitals) AL QUDS STREET, SAWAN AJMAN - 06-7114444 SPECIALIZED MEDICAL CARE HOSPITAL (In Patient) (Hospitals) NEAR TRANSPORT AUTHORITY,AL JAHILI AREA,AL AIN UAE - 03-7552291 EMIRATES INTERNATIONAL HOSPITAL - SOLE PROPRIETORSHIP L.L.C. (In Patient) (Hospitals) HAMDAN BIN MOHD STREET, LANDMARK BEHIND JIMI MALL, AL KHABAISI, AL AIN, ABU DAHBI, UAE - 03-7637777 NEW MEDICAL CENTRE SPECIALTY HOSPITAL LTD-ABU DHABI(FORMERLY NEW MEDICAL CENTRE SPECIALTY HOSPITAL L (In Patient) (Hospitals) OPP. POLICE HEAD QUARTER, NEAR ZAYED SCHOOL - 03-7555999 LLH HOSPITAL AL MUSAFFAH L.L.C (In Patient) (Hospitals) PO BOX NO 92313,16TH, STREET, SANAYYA 7, INDUSTRIAL AREA, MUSAFFAH, ABU DHABI, UAE - 02-4126018 LLH HOSPITAL L.L.C (In Patient) (Hospitals) AL MARWA TOWER, ELECTRA STREET ABU DHABI - 02-6335522 \*Network lists are subject to change as per the discretion of the Insurer. | ### Important Articles Related Health Insurance | | --- | | [A to Z of Getting a Health Card in UAE](https://www.policybazaar.ae/what-is-health-card-in-uae-hiart/) | [Can You Buy Health Insurance for New Born Baby in UAE?](https://www.policybazaar.ae/can-you-buy-health-insurance-for-new-born-baby-in-uae-hiart/) | | [Where Can I Get Medical Help Without Having Health Insurance?](https://www.policybazaar.ae/where-can-i-get-medical-help-without-having-health-insurance-hiart/) | [Health Insurance for Dependents in Dubai](https://www.policybazaar.ae/5-minute-guide-to-choosing-the-best-health-insurance-for-dependents-hiart/) | | [Best Short-term International Health Insurance in UAE](https://www.policybazaar.ae/health-insurance/articles/best-short-term-international-health-insurance-in-uae/) | [Is IVF covered by Health Insurance](https://www.policybazaar.ae/is-ivf-covered-by-health-insurance-hiart/) | | [Different Types of Health Insurance in UAE](https://www.policybazaar.ae/different-types-of-health-insurance-in-uae-hiart/) | [How to Renew Daman Health Insurance Online?](https://www.policybazaar.ae/how-to-renew-daman-health-insurance-online-hiart/) | | [Health Insurance Claim Settlement](https://www.policybazaar.ae/health-insurance-claim-settlement-hiart/) | [Delmicron – What is it and How is it Different from Omicron?](https://www.policybazaar.ae/health-insurance-articles-what-is-delmicron-and-how-is-it-different-from-omicron/) | | [Dos and Don’ts of recovering from COVID-19](https://www.policybazaar.ae/dos-and-donts-of-recovering-from-covid-19-hiart/) | [Free Annual Health Check-up - 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