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

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 10,000 for normal delivery and up to AED 10,000 for medically necessary C-Section, termination and complications.In cas 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.

Coverage Type

Clinic + Hospital 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 0% Co-payCovered subject to 20% Co-payCovered subject to 10% 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