# Takaful Emarat - Gold Plus **Published:** 2023-08-03 **Updated:** 2025-09-09 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/takaful-emarat-gold-plus/ Safeguard your family's health with Takaful Emarat Gold Plus, 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 Takaful Emarat Gold Plus is designed to adapt to your family's specific needs and health conditions. 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 NameGold Plus Cover AmountAED 1,000,000 Pharmacy LimitUpto AED 10,000 TPANextcare ## Takaful Emarat - Gold Plus Details Maternity Cover • Covered up to AED 20,000. In case of any emergency condition, the expenses will be covered up to the annual aggregate limit. • New born cover - up to 30 days from date of birth Out-patient Maternity Services Covered subject to 10% coinsurance, and a maximum of 10 visits and 4 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 20,000.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. 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. Pre-existing diseases (PED) Pre-existing diseases (PED) Covered only if declared on additional paymentNew chronic condition will be covered from Day One 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 Full Access Out-Patient Services Repatriation of Mortal Remains to Home Country Covered up to Maximum AED 15,000 per person per annum settled on Reimbursement basis with no copay Prescribed drugs and dressings Covered up to AED 10000 subject to 20% Co-InsuranceCovered up to AED 10000 subject to 15% Co-InsuranceCovered up to AED 10000 subject to 0% Co-Insurance In-Patient Services Room Type Private Pre-existing conditions Pre-existing & Chronic Conditions Subject to Medical Application Form (MAF) Covered up to a limit of AED 150,000 per member per year. All pre-existing medical conditions should be declared in the medical application form and is subject to medical underwriting, policy terms, conditions, benefits, and exclusions. Newly diagnosed medical condition during the policy period will not have a waiting period and is subject to policy terms, conditions, benefits, and exclusions. Undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at renewal subject to policy terms, conditions, benefits, and exclusions. Hospital Accommodation and related Services AED 400 / day Hospital Accommodation Subject to prior approval Cash indemnity benefit Covered on Reimbursement up to AED 200 per night and a maximum of 10 nights.The Cash Indemnity claim must be submitted within 15 days after discharge from the hospital with a proof of hospitalization including a discharge summary. Pre-Existing and Chronic Conditions All declared Pre-existing and Chronic conditions are covered up to a limit of AED 150,000/- Network NEXTCARE GN Other Services Home Nursing Covered (on reimbursement) up to Maximum AED 7,500 per person per annum Cancer Treatment Covered as per terms, conditions and exclusions of the program defined by DHA Vaccinations (Adults) Covered once per Annum Local road and air ambulance services Covered Diagnostics (X-RAY, MRI, CT-SCAN) Covered subject to 20% Co-payCovered subject to 10% Co-payCovered subject to 0% Co-pay Psychiatry Covered up to max AED 10,000 Alternative medicine Limited to AED 2,500 per person per annum subject to 20% Copay No coinsurance is applicable if a follow-up visit is made within seven days The claims will be settled on reimbursement basis, and only from providers which are recognized and approved by Nextcare as alternative preferred providers - refer to Nextcare website for details Dental and gum treatment Covered up to AED 3,000/- subject to 20% Co-pay Hearing and Vision Aid Covered subject to 20% coinsurance Only In Emergency cases Physiotherapy Treatment 20 sessions per member per annum Region Coverage Worldwide ## 151 Takaful Emarat - Gold Plus Added Network Hospitals Search Plan Name Plan Name Type Type Name Address National Hospital - AUH (Hospitals) P.O.Box 30666, Najda, Eldorado Cinema, Electra Street, Najda Area - 26711000 Al Dhannah Hospital (Ex Al Ruwais Hospital - AUH) (Hospitals) Abu Dhabi, Ruwais, Near Ruwais Mall - 28007267 Das Hospital (Hospitals) Al Dhannah Island, P.O Box11876 - 2601031 Ahalia Hospital (Hospitals) Ahalia Hospital, Hamdan Street, P.O. Box - 2419 - 26262666 Al Ahli Hospital Company Llc-Branch 1 (Hospitals) Ahalia Hospital, Tariff Road , M-24, Mussafah, P.O. Box - 2419 - 28119119 Ain Al Khaleej Hospital - Aan (Hospitals) Ain Al Khaleej Hospital Building,next to Al Jimi Mall,Al Jimi,AAN - 37133333 Burjeel Hospital - Auh (Hospitals) P.O Box 7400 Najda St. Abu Dhabi, Uae - 80055 Danat Al Emarat Hospital For Women Children Llc (Hospitals) Abu Dhabi Gate City Rabdan, Abu Dhabi - 26149999 Cosmesurge Emirates Clinics For One Day Surgery Branch 2 ( Ex. Cosmesurge Emirates Hospital For One Day Surgery - Aan) (Hospitals) Al Jimi Supermarket, Al Ain - 37620022 Cosmesurge Emirates Clinics For One Day Surgery Llc ( Ex. Cosmesurge Emirates Hospital) (Hospitals) St. 13, Delma Karama Intersection, Opposite to Public works Dept.,Abu Dhabi - 24466422 \*Network lists are subject to change as per the discretion of the Insurer. 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