# Takaful Emarat - Emerald **Published:** 2023-08-03 **Updated:** 2025-09-09 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/takaful-emarat-emerald/ Embrace peace of mind with Takaful Emarat Emerald, 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 Emerald 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 NameEmerald Cover AmountAED 1,100,000 Pharmacy LimitUpto AED 1,000,000 TPAMEDNET ## Takaful Emarat - Emerald 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 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. Vaccinations (Adults) Covered both on Free Access & reimbursement basis Physician Consultation Covered with Co-pay of 20% max 50 per consultation In-Patient Services Co-Payment Nil co-payment on diagnostics and Laboratory Tests10% co-payment on diagnostics and Laboratory Tests20% co-payment on diagnostics and Laboratory Tests Room Type Private Room Ambulance Service Covered Emergency Treatment 100% of Actual Covered Cost Pre-existing 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., All adverse findings on health declarations would be priced on each case basis). In case of misrepresentation insurer reserves the right to cancel the policyAll 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. 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 declared Pre existing and Chronic conditions are covered with a sub limit of AED 150,000/- Network Mednet Emerald Diagnostics (X-RAY, MRI, CT-SCAN) Covered with 20% copay per invoiceCovered with 0% copay per invoiceCovered with 10% copay per invoice Psychiatry Not Covered Alternative medicine Covered on reimbursement upto AED 1,600/- Dental and gum treatment Covered with 20% co pay up to AED 3500 Hearing and Vision Aid Covered in medical emergencies Physiotherapy Treatment Covered with 0% copay per invoiceCovered with 10% copay per invoiceCovered with 20% copay per invoice Region Coverage Worldwide ## 59 Takaful Emarat - Emerald Added Network Hospitals Search Plan Name Plan Name Type Type Name Address LIFECARE HOSPITAL (Hospitals) BANIYAS STREET, WATHBA, GATE NO. 6 AL RAHA VILLAGE - 02-5856333 NMC SPECIALTY HOSPITAL (Hospitals) ELECTRA STREET, AL KAMAL TOWERS - 02-6332255 LLH HOSPITAL L.L.C./MF1954 (FORM LIFELINE HOSPITAL) (Hospitals) ELECTRA STREET, AL MARWA BUILDING - 02-6335522 AHALIA HOSPITAL (Hospitals) HAMDAN STREET, OPPOSITE BANK OF BARODA. - 02-6262666 AL AHALIA HOSPITAL LLC - MUSAFFA BRANCH / MF3107 (Hospitals) MUSSAFAH - 02-8119119 LLH HOSPITAL AL MUSAFFAH LLC (Hospitals) MUSSAFAH, ALI KAHBOUS AL ZAABI - 02-5557711 ALMAZROUI MEDICAL CENTER ONE DAY SURGERY LLC-MF1327- ABU DHABI (Hospitals) NAJDA STREET,AL MAZROUI BUILDING,ABU DHABI - 02-6723232 BURJEEL FARHA HOSPITAL L.L.C. (formerly MEDEOR 24X7 INTERNATIONAL HOSPITAL L.L.C.) (Hospitals) ASHAREJ COMMERICAL RESIDENTIAL CENTER, BIDA BIN AMMAR, ASHAREJ, AL AIN CITY - 03-7099000 HEART BEAT MEDICAL CENTER ONE DAY SURGERY L.L.C., AL MUSHARRAF (CONSULTANT MEDICAL CENTER) (Hospitals) SHEIKH RASHID BIN SAEED ST MUSHARRAF AREA, ABU DHABI. - 02-4449494 SPECIALISED MEDICAL CARE HOSPITAL (Hospitals) AL JAHLI STREET, NEAR AL AIN MUESUM - 03-7552291 \*Network lists are subject to change as per the discretion of the Insurer. Other Takaful Emarat Health Insurance Plans [Takaful Emarat - Diamond](https://www.policybazaar.ae/health-insurance/takaful-emarat-diamond/) [Takaful Emarat - Diamond AUH](https://www.policybazaar.ae/health-insurance/takaful-emarat-diamond-auh/) [Takaful Emarat - ECARE BLUE](https://www.policybazaar.ae/health-insurance/takaful-emarat-ecare-blue/) [Takaful Emarat - Emerald (AUH)](https://www.policybazaar.ae/health-insurance/takaful-emarat-emerald-auh/) [Takaful Emarat - Gold](https://www.policybazaar.ae/health-insurance/takaful-emarat-gold/) [Takaful Emarat - Gold (AUH)](https://www.policybazaar.ae/health-insurance/takaful-emarat-gold-auh/) [Takaful Emarat - Gold Plus](https://www.policybazaar.ae/health-insurance/takaful-emarat-gold-plus/) [Takaful Emarat - Green](https://www.policybazaar.ae/health-insurance/takaful-emarat-green/) [Takaful Emarat - Green (AUH)](https://www.policybazaar.ae/health-insurance/takaful-emarat-green-auh/) [Takaful Emarat - Iridium](https://www.policybazaar.ae/health-insurance/takaful-emarat-iridium/) [Takaful Emarat - Iridium AUH](https://www.policybazaar.ae/health-insurance/takaful-emarat-iridium-auh/) [Takaful Emarat - Marjan](https://www.policybazaar.ae/health-insurance/takaful-emarat-marjan/) [Takaful Emarat - Marjan AUH](https://www.policybazaar.ae/health-insurance/takaful-emarat-marjan-auh/) [Takaful Emarat - Opal](https://www.policybazaar.ae/health-insurance/takaful-emarat-opal/) [Takaful Emarat - Opal AUH](https://www.policybazaar.ae/health-insurance/takaful-emarat-opal-auh/) [Takaful Emarat - Platinum](https://www.policybazaar.ae/health-insurance/takaful-emarat-platinum/) [Takaful Emarat - Platinum AUH](https://www.policybazaar.ae/health-insurance/takaful-emarat-platinum-auh/) [Takaful Emarat - Rhodium](https://www.policybazaar.ae/health-insurance/takaful-emarat-rhodium/) [Takaful Emarat - Rhodium AUH](https://www.policybazaar.ae/health-insurance/takaful-emarat-rhodium-auh/) [Takaful Emarat - Silk Road](https://www.policybazaar.ae/health-insurance/takaful-emarat-silk-road/) [Takaful Emarat - Silk Road (AUH)](https://www.policybazaar.ae/health-insurance/takaful-emarat-silk-road-auh/) [Takaful Emarat - Silver](https://www.policybazaar.ae/health-insurance/takaful-emarat-silver/) [Takaful Emarat - Silver AUH](https://www.policybazaar.ae/health-insurance/takaful-emarat-silver-auh/) [Takaful Emarat - Silver Classic](https://www.policybazaar.ae/health-insurance/takaful-emarat-silver-classic/) [Takaful Emarat - Silver Classic (AUH)](https://www.policybazaar.ae/health-insurance/takaful-emarat-silver-classic-auh/) [Takaful Emarat - Silver Premium](https://www.policybazaar.ae/health-insurance/takaful-emarat-silver-premium/) [Takaful Emarat - Silver Premium (AUH)](https://www.policybazaar.ae/health-insurance/takaful-emarat-silver-premium-auh/) [Takaful Emarat - Yaqoot](https://www.policybazaar.ae/health-insurance/takaful-emarat-yaqoot/) [Takaful Emarat - Yaqoot AUH](https://www.policybazaar.ae/health-insurance/takaful-emarat-yaqoot-auh/) [Takaful Emarat - Zumurrod](https://www.policybazaar.ae/health-insurance/takaful-emarat-zumurrod/) [Takaful Emarat - Zumurrod AUH](https://www.policybazaar.ae/health-insurance/takaful-emarat-zumurrod-auh/) Top Hospitals in UAE [Al Garhoud Private Hospital](https://www.policybazaar.ae/health-insurance/hospitals/al-garhoud-private-hospital/) [Al Khaleej Hospital](https://www.policybazaar.ae/health-insurance/hospitals/al-khaleej-hospital/) [Al Mafraq Hospital Abu Dhabi](https://www.policybazaar.ae/health-insurance/hospitals/al-mafraq-hospital-abu-dhabi/) [Al Noor Hospital Abu Dhabi](https://www.policybazaar.ae/health-insurance/hospitals/al-noor-hospital-abu-dhabi/) [Al Qassimi Hospital](https://www.policybazaar.ae/health-insurance/hospitals/al-qassimi-hospital/) [Al Rahba Hospital Abu Dhabi](https://www.policybazaar.ae/health-insurance/hospitals/al-rahba-hospital-abu-dhabi/) [Al Wasl Hospital](https://www.policybazaar.ae/health-insurance/hospitals/al-wasl-hospital/) [American Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/american-hospital-dubai/) [Aster Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/aster-hospital-dubai/) [Cleveland Clinic Abu Dhabi](https://www.policybazaar.ae/health-insurance/hospitals/cleveland-clinic-abu-dhabi/) [Dubai Hospital](https://www.policybazaar.ae/health-insurance/hospitals/dubai-hospital/) [Kings College Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/kings-college-hospital-dubai/) [Lifeline Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/lifeline-hospital-dubai/) [Lifeline Hospital Sharjah](https://www.policybazaar.ae/health-insurance/hospitals/lifeline-hospital-sharjah/) [Medeor Hospital Sharjah](https://www.policybazaar.ae/health-insurance/hospitals/medeor-hospital-sharjah/) [NMC Specialty Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/nmc-specialty-hospital-dubai/) [Oasis Hospital](https://www.policybazaar.ae/health-insurance/hospitals/oasis-hospital/) [Rashid Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/rashid-hospital-dubai/) [Saudi German Hospital Ajman](https://www.policybazaar.ae/health-insurance/hospitals/saudi-german-hospital-ajman/) [Saudi German Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/saudi-german-hospital-dubai/) [Sheikh Khalifa Medical City](https://www.policybazaar.ae/health-insurance/hospitals/sheikh-khalifa-medical-city/) [Thumbay Hospital Ajman](https://www.policybazaar.ae/health-insurance/hospitals/thumbay-hospital-ajman/) [University Hospital Sharjah](https://www.policybazaar.ae/health-insurance/hospitals/university-hospital-sharjah/) [Zulekha Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/zulekha-hospital-dubai/) ### **Health Insurance Popular Searches** [Health Insurance Dubai](https://www.policybazaar.ae/health-insurance/) | [Dubai Health Insurance Cost](https://www.policybazaar.ae/health-insurance/medical-insurance/) | [Health Insurance for Kids](https://www.policybazaar.ae/health-insurance-for-kids-hiart/) | [Health Insurance Plans for Family](https://www.policybazaar.ae/family-health-insurance-hic/) | [Dental Insurance](https://www.policybazaar.ae/health-insurance/articles/dental-insurance-in-uae/) | [Individual Health Insurance](https://www.policybazaar.ae/individual-health-insurance-hic/) | [Health Insurance Abu Dhabi](https://www.policybazaar.ae/health-insurance-abu-dhabi/) | [Medical Insurance Sharjah](https://www.policybazaar.ae/health-insurance/health-insurance-in-sharjah/) | [How to check Medical Insurance status with Emirates ID](https://www.policybazaar.ae/how-to-check-medical-insurance-status-with-emirates-id-hiart/) | [Best Medical Insurance in UAE](https://www.policybazaar.ae/top-10-health-insurance-companies-in-uae-hiart/) | [Health Insurance for Parents](https://www.policybazaar.ae/senior-citizen-health-insurance-hic/) | [Maternity Insurance UAE](https://www.policybazaar.ae/health-insurance/articles/maternity-insurance-in-uae/)