Takaful Emarat Gold : Choose Best Health Insurance Plan From Takaful Emarat

Takaful Emarat - Gold

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

Plan Summary

Plan NameGold

Cover AmountAED 1,000,000

Pharmacy LimitUpto AED 1,000,000

TPAMEDNET

Takaful Emarat - Gold 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 Waiting Period

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 Waiting Period

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

Clinic + Hospital 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.

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/-